<PAGE>   1

                                  EXHIBIT 10.52

                            STOCK PURCHASE AGREEMENT

                                  BY AND AMONG

                      AMERICAN INVESTORS SALES GROUP, INC.,

                         COMMUNITY BANK MARKETING, INC.

                                       AND

                       COMMUNITY FINANCIAL SERVICES, INC.







                                FEBRUARY 23, 2000





<PAGE>   2



                                TABLE OF CONTENTS
<TABLE>
<CAPTION>

                                                                                                                 Page
<S>        <C>                                                                                                  <C>
ARTICLE  1: PURCHASE AND SALE.....................................................................................1

         1.1.   Purchase and Sale of Purchased Shares.............................................................1
         1.2.   Purchase Price....................................................................................2

ARTICLE  2: CLOSING...............................................................................................2

         2.1.   Closing Date......................................................................................2
         2.2.   Deliveries........................................................................................3

ARTICLE  3: REPRESENTATIONS AND WARRANTIES OF SELLER..............................................................4

         3.1.   Organization and Good Standing....................................................................4
         3.2.   Authority and Binding Effect......................................................................4
         3.3.   Capitalization and Share Ownership................................................................4
         3.4.   Corporate Documents and Minute Books..............................................................5
         3.5.   Validity of Contemplated Transactions; Consents...................................................5
         3.6.   Ownership of Assets; Condition and Sufficiency....................................................6
         3.7.   Absence of Certain Changes Subsequent to September 30, 1999.......................................6
         3.8.   Returns and Reports; Taxes........................................................................7
         3.9    Employee Matters; Officers and Directors..........................................................8
         3.10   Compliance with Law...............................................................................8
         3.11.  Claims............................................................................................9
         3.12.  Financial Statements..............................................................................9
         3.13.  Undisclosed Liabilities...........................................................................9
         3.14.  Pension Plans; Employee Benefit Plans............................................................10
         3.15.  Real Property and Leaseholds.....................................................................11
         3.16   Contracts........................................................................................11
         3.17   Transactions With Affiliates.....................................................................11
         3.18.  Certain Information..............................................................................12
         3.19.  No Other Obligations.............................................................................12
         3.20   No Brokers.......................................................................................12
         3.21   No Guarantees....................................................................................12
         3.22   Company's Files..................................................................................12
         3.23   No Misrepresentation.............................................................................12

ARTICLE  4: REPRESENTATIONS AND WARRANTIES OF BUYER..............................................................13

         4.1    Organization and Standing........................................................................13
         4.2    Authority and Binding Effect.....................................................................13

ARTICLE  5: CERTAIN COVENANTS....................................................................................13

         5.1    Election of Board of Directors...................................................................13
         5.2    Rights and Restrictions Concerning Seller Shares.................................................13

ARTICLE  6: CONDITIONS TO CLOSING................................................................................15

         6.1    Conditions to Obligation of Buyer................................................................15
         6.2    Conditions to Obligations of Seller..............................................................15
</TABLE>





                                       i

<PAGE>   3

<TABLE>


<S>         <C>                                                                                                  <C>
ARTICLE  7: INDEMNIFICATION; REMEDIES............................................................................16

         7.1.   Investigations; Survival of Warranties and Indemnification Obligations...........................16
         7.2.   Indemnification by Seller........................................................................16
         7.3.   Indemnification by Buyer.........................................................................17
         7.4.   Notice of Claim; Payment.........................................................................17
         7.5.   Construction.....................................................................................17
         7.6    Limitations on Indemnity.........................................................................18

ARTICLE  8: MISCELLANEOUS........................................................................................18

         8.1.   Payment of Expenses..............................................................................18
         8.2.   Announcements....................................................................................18
         8.3.   Assignment and Binding Effect....................................................................18
         8.4.   Waivers..........................................................................................18
         8.5.   Notices..........................................................................................18
         8.6.   Kansas Law to Govern.............................................................................19
         8.7.   No Benefit to Others.............................................................................20
         8.8.   Entire Agreement; Amendments.....................................................................20
         8.9.   Schedule and Exhibits............................................................................20
         8.10.  Cooperation......................................................................................20
         8.11.  Severability.....................................................................................20

         8.12.  Counterparts.....................................................................................20
         8.13.  Representation By Counsel; Interpretation........................................................20
         8.14.  No Contribution; Indemnity.......................................................................20

</TABLE>





















                                       ii



<PAGE>   4


                            STOCK PURCHASE AGREEMENT

                  This STOCK PURCHASE AGREEMENT (this "Agreement"), dated as of
February 23, 2000, is made by and among AMERICAN INVESTORS SALES GROUP, INC., a
Kansas corporation ("Buyer") and a wholly-owned subsidiary of AMVESTORS
FINANCIAL CORPORATION, a Kansas corporation ("AmVestors"), COMMUNITY BANK
MARKETING, INC., a Georgia corporation (the "Company"), and COMMUNITY FINANCIAL
SERVICES, INC., a Georgia corporation and sole shareholder of the Company
("Seller").


                                    RECITALS

                  WHEREAS, Seller owns 100,000 shares of the common stock, $.01
par value, of the Company (the "Common Stock"), which is all of the shares of
Common Stock issued and outstanding as of the time immediately prior to the date
of this Agreement (the "Seller Shares");

                  WHEREAS, the parties each desire to enter into, and this
Agreement contemplates, a transaction in which Buyer will purchase from the
Company and Seller, respectively, and the Company will issue and sell 100,000
shares of Common Stock (the "Company Portion") and Seller will sell and transfer
to Buyer 60,000 shares of the Seller Shares (the "Seller Portion" and, together
with the Company Portion, the "Purchased Shares"), for the consideration and on
the terms and conditions set forth herein (such transactions are collectively
referred to herein as the "Purchase"); and

                  WHEREAS, the parties each desire to enter into, and this
Agreement contemplates , certain covenants related to the governance of the
Company and future transfers of the outstanding Common Stock after closing of
the Purchase.

                                    AGREEMENT

                  NOW THEREFORE, in consideration of the foregoing premises and
respective covenants, representations and warranties herein contained and other
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, and intending to be legally bound hereby, the parties hereto agree
as follows:

                                   ARTICLE 1:
                                PURCHASE AND SALE

                  1.1.    Purchase and Sale of Purchased Shares. Upon the terms
and subject to the conditions of this Agreement and for the consideration
specified in Section 1.2 hereof, at the Closing, the Purchase will be
consummated in which:

                          (a)    the Company will issue, sell, transfer, convey
         and deliver to Buyer, free and clear of any mortgage, lien, security
         interest, pledge, encumbrance, restriction on transferability, defect
         of title, charge or claim of any nature whatsoever on any property or







<PAGE>   5


         property interest, except for Permitted Liens ("Liens"), all of the
         Company Portion of the Purchased Shares;

                          (b)    Seller will sell, transfer, assign, convey and
         deliver to Buyer, free and clear of any Liens, all of the Seller
         Portion of the Purchased Shares.

                 1.2.     Purchase Price. Subject to the terms and conditions of
this Agreement, and in consideration of the sale of the Purchased Shares by the
Company and Seller and the Company's and Seller's performance of this Agreement,
Buyer shall pay (i) to the Company $1,700,000 (the "Company Purchase Price") and
(ii) to Seller $500,000 (the "Seller Purchase Price" and, together with the
Company Purchase Price, the "Purchase Price"), payable as follows:

                          (a)    1,700,000 payable to the Company, as follows:

                                 (i)   $900,000 at Closing in immediately
                                 available funds;

                                 (ii)  $400,000 on January 1, 2001(the "First
                 Deferred Payment");

                                 (iii) $400,000 on January 1, 2002 (the "Second
                 Deferred Payment").

                          (b)    $500,000 payable to Seller at Closing in
                 immediately available funds.

The First Deferred Payment and the Second Deferred Payment shall be evidenced by
a promissory note of Buyer in the form of Exhibit 1.2-1 hereto (the "Buyer
Note"). AmVestors shall guaranty all the obligations of Buyer under the Buyer
Note pursuant to the guaranty in the form of Exhibit 1.2-2 hereto (the "Parent
Guaranty").



                                   ARTICLE 2:
                                     CLOSING

                 2.1.    Time and Place of Closing. The consummation (the
"Closing") of the Purchase shall take place on or before February 24, 2000, at
the offices of Bryan Cave LLP, 1200 Main Street, Suite 3500, Kansas City,
Missouri 64105, and commence upon the execution and delivery by the parties of
this Agreement on the date hereof. The date of the Closing is hereinafter
sometimes referred to as the "Closing Date." Each party shall cooperate, as to
matters under such party's control, in the satisfaction of the conditions to the
obligations of the parties at Closing; provided that the foregoing shall not
require any party to waive any condition herein to its obligations at the
Closing or to incur any substantial cost not otherwise required hereunder.











                                       2

<PAGE>   6




                 2.2. Deliveries at Closing.

                      (a)   At the Closing, the Company and Seller shall deliver
       or cause to be delivered to Buyer (the "Seller Closing Deliveries"):

                            (i)    fully executed, sealed and proper
                 certificates evidencing the Purchased Shares in negotiable
                 form;

                            (ii)   the release substantially in the form
                 attached hereto as Exhibit 2.2(a)(ii), duly executed by Seller
                 and dated as of the Closing Date;

                            (iii)  the opinion of counsel to the Company and
                 Seller substantially in the form attached hereto as Exhibit
                 2.2(a)(iii), duly executed by such counsel and dated as of the
                 Closing Date;

                            (iv)   the certificate of the chief executive
                 officer, chief financial officer and secretary, respectively,
                 of Seller and the Company certifying the satisfaction of the
                 closing conditions set forth in Sections 6.1(a), 6.1(b) and
                 6.1(c) hereof, and the signatures and incumbency of such
                 persons, and dated as of the Closing Date;

                            (v)    the employment, noncompetition and
                 confidentiality agreement of Charles Daniel substantially in
                 the form attached hereto as Exhibit 2.2(a)(v) (the "Employment
                 Agreement"), duly executed by Charles Daniel and the Company
                 and dated as of the Closing Date;

                            (vi)   resignations of all current directors of the
                 Company, effective upon the Closing; and

                            (vii)  such other documents, instruments and
                 certificates, duly executed by appropriate persons and dated
                 appropriately, as reasonably requested in writing by Buyer in
                 connection with the Purchase.

                      (b)   at the Closing, Buyer shall deliver or cause to be
       delivered to Seller and/or the Company, as the case may be, the following
       (the "Buyer Closing Deliveries"):

                            (i)    $1,400,000.00 in immediately available funds,
                 payable $500,000 to Seller and $900,000 to the Company, by wire
                 transfer to such account or accounts as have been designated by
                 Seller and the Company, respectively, in writing to Buyer no
                 less than one (1) business day before Closing;

                            (ii)   the Buyer Note, executed by a duly authorized
                 officer of Buyer;

                            (iii)  the Parent Guaranty, executed by a duly
                 authorized officer of AmVestors; and






                                       3

<PAGE>   7


                            (iv)    the certificates of the duly authorized
                 officer of Buyer who signed this Agreement on behalf of Buyer
                 and the secretary of Buyer, respectively and certifying the
                 satisfaction of the closing conditions set forth in Sections
                 6.2(a), 6.2(b) and 6.2(c), and the signatures and incumbency of
                 such persons, dated the Closing Date.





                                   ARTICLE 3:
                    REPRESENTATIONS AND WARRANTIES OF SELLER


                  Seller hereby represents and warrants to Buyer as follows:

                  3.1.    Organization and Good Standing. Each of Seller and the
Company is a corporation duly incorporated, validly existing, and in good
standing under the laws of the State of Georgia, having full power and authority
to carry on its business as it is now being conducted and to own, lease and
operate its assets. The Company has no subsidiaries. The Company has no stock or
other equity or ownership interest (whether controlling or not) in any business
or other entity. The Company is duly qualified to do business and is in good
standing in all states and jurisdictions in which it is required to be so
qualified, except where the failure to be so qualified would not have an adverse
effect on the business of the Company. The Company has all state and local
licenses required for the operation of its business as it is now being
conducted. The Company is not a partner, venturer, guarantor or obligor in any
joint venture, partnership or other arrangement or contract.

                  3.2.    Authority and Binding Effect. Each of Seller and the
Company has the full power, authority and capacity to execute, deliver and
perform (or cause to be delivered and performed) its respective obligations
under this Agreement and the other agreements, certificates, instruments, and
other documents necessary to consummate any of the transactions contemplated by
this Agreement ("Transaction Documents") to be executed by them. This Agreement
constitutes, and each of the Transaction Documents to be executed by Seller and
the Company when executed and delivered pursuant hereto will constitute, the
legal, valid and binding obligation of each of them, as the case may be,
enforceable against each of them, as the case may be, in accordance with its
terms, except as such enforceability may be limited by bankruptcy, insolvency,
reorganization, moratorium or other similar laws relating to creditors' rights
generally and remedies of specific enforcement and injunctive relief and other
forms of equitable relief and remedies.

                  3.3.    Capitalization and Share Ownership. The Company's
authorized capital stock consists of 500,000 shares of Common Stock
(collectively, the "Company Stock"). Without giving effect to the issuance of
the Purchased Shares, there are 100,000 shares of Common Stock issued and
outstanding, all of which shares are held by Seller of record and beneficially,
free and clear of any Liens. The Seller Portion has been, and when issued at the
Closing pursuant to this Agreement the Company Portion shall be, duly
authorized, validly issued, fully paid and nonassessable. The Seller Portion has
not, and the Company Portion when issued at the Closing pursuant to this
Agreement will not have been, issued in violation of (i) the terms of







                                       4

<PAGE>   8


any written or oral contract, agreement, lease, plan, instrument or other
document, commitment, arrangement, undertaking or authorization ("Contract")
binding upon the Company or Seller or (ii) the Articles of Incorporation and
Bylaws of the Company and any applicable statute, law, ordinance, regulation,
decision, order or rule of any Governmental Authority ("Law"), including,
without limitation, the Securities Act of 1933, as amended, and the rules and
regulations thereunder and all federal and state securities or "blue sky" laws
and regulations. Other than the Seller Portion, and immediately prior to the
issuance of the Company Portion at the Closing pursuant to this Agreement, there
have been no issuances by the Company of Company Stock. There are, and have
been, no preemptive rights with respect to the issuance of the Company Stock.
There are no Contracts, subscriptions, convertible debt obligations, options,
warrants, calls, rights of first refusal, commitments or rights of any character
to purchase or otherwise acquire any Company Stock, equity, capital shares or
other securities of the Company, whether or not presently issued, outstanding or
exercisable, from Seller or the Company.

                  3.4.    Corporate Documents and Minute Books. The Company has
given Buyer reasonable access to, true, correct and complete copies of:

                          (a)    The minute books of the Company which are
           current and contain correct and complete copies of the Articles of
           Incorporation and Bylaws of the Company, including all amendments
           thereto and restatements thereof, and of all minutes of meetings,
           resolutions and other actions and proceedings of its shareholders and
           board of directors and all committees thereof; and

                          (b)    The stock record book of the Company which is
           current, correct and complete and reflects the issuance of all shares
           of Company Stock, including the issuance of the Seller Shares to
           Seller, and subsequent transfers, redemptions and/or cancellations
           thereof.

                  3.5.    Validity of Contemplated Transactions; Consents.

                          (a)    Neither the execution and delivery of this
           Agreement by Seller or the Company, nor the execution and delivery of
           the Transaction Documents by Seller or the Company, nor the
           consummation by them of the transactions contemplated hereby or
           thereby will directly or indirectly (except as set forth on Schedule
           3.5 hereof):

                                 (i)    Contravene, conflict with or result
                  (with or without notice or lapse of time) in violation of (i)
                  any of the provisions of the Articles of Incorporation or
                  Bylaws of the Company; or (ii) any resolution adopted by the
                  Board of Directors or the shareholders of the Company that is
                  in effect on the date hereof;

                                 (ii)   Contravene, conflict with or result
                  (with or without notice or lapse of time) in a violation of
                  any Law or any judgment, decree, injunction, order or ruling
                  of any federal, state, local, foreign, national, or
                  provincial, governmental agency, body, authority, district,
                  board, commission, court, tribunal, political subdivision or
                  other governmental instrumentality or any self-regulatory








                                       5

<PAGE>   9


                  organization ("Governmental Authority") that is binding on
                  Seller or the Company or their property under applicable Law
                  ("Court Order") to which the Company or Seller is subject;

                                 (iii)    Contravene, conflict with or result
                  (with or without notice or lapse of time) in a violation or
                  breach of any of the provisions of, or give any natural person
                  or business or other entity ("Person") the right (with or
                  without notice or lapse of time) to declare a breach of or
                  default under any Contract ("Default") or exercise any right
                  or remedy under, or to accelerate the maturity or performance
                  of or cancel, terminate or modify, any Contract that involves
                  or pertains to (i) the payment, receipt or obligation for
                  payment of money, property or benefits equal to, totaling or
                  exceeding $25,000 singularly (or in the aggregate for similar
                  or related Contracts), (ii) the liquidated obligation or
                  payment of damages equal to or exceeding $25,000 upon default
                  or termination, (iii) an obligation enforceable through
                  equitable remedies, including injunction, (iv) a covenant of
                  non-competition, non-solicitation or confidentiality or (v)
                  any prohibition or restriction of business activities
                  ("Material Contract") to which the Company or Seller is a
                  party or under which the Company has any rights, or by which
                  the Company, or any of the assets owned or used by the Company
                  may be bound; or

                                 (iv)    Result (with or without notice or lapse
                  of time) in the imposition or creation of any Lien upon or
                  with respect to any of the assets of the Company.

                           (b)    The Company is not or will not be required to
         give any notice to or obtain any consent from, and Seller is not and
         will not be required to give any notice to or obtain any consent from,
         any Person under any Contract or Governmental Authority in connection
         with the execution and delivery of this Agreement or any of the
         Transaction Documents or the consummation or performance by Seller or
         the Company of the provisions thereof, including the Purchase.

                  3.6.    Ownership of Assets; Condition and Sufficiency. The
Company has good and valid title to all of the assets reflected on the Latest
Balance Sheet. The Company owns all of its assets free and clear of all Liens,
except for Liens securing purchase money obligations or described in Schedule
3.6 hereof ("Permitted Liens"). Taken as a whole, the tangible assets and
properties which are part of the Company's assets reflected on the Latest
Balance Sheet are in good operating condition and repair (ordinary wear and tear
excepted), are adequate to operate the Company's business as currently conducted
and are useable in the ordinary course of business of the Company consistent
with its past and reasonably prudent customs and practice ("Ordinary Course of
Business").

                  3.7.    Absence of Certain Changes Subsequent to September 30,
1999. Except as set forth on Schedule 3.7 hereto, since the date of the Latest
Balance Sheet there has not been any adverse change in the business, prospects,
conditions (financial or otherwise), earnings, assets or operations of the
Company or its business involving (if a financial change) more than $25,000.






                                       6

<PAGE>   10





                  3.8.    Returns and Reports; Taxes.

                          (a)    The Company has filed or caused to be filed on
         a timely basis all returns (including any information return), reports,
         statements, declarations, schedules, notices, notifications, forms or
         other document or information filed with or submitted to, or required
         to be filed by the Company prior to the Closing with or submitted to,
         any Governmental Authority in connection with the determination,
         assessment, collection or payment of any tax or in connection with the
         administration, implementation or enforcement of or compliance with any
         Law relating to any tax ("Tax Returns") that are or were required to be
         filed by or with respect to it pursuant to the Law of each Governmental
         Authority with taxing power over it or its assets. The Company has paid
         all taxes that have or may have become due pursuant to those Tax
         Returns, or otherwise, or pursuant to any assessment received by the
         Company or Seller, except such taxes, if any, as are set forth in
         Schedule 3.8, and are being contested in good faith and (with respect
         to the Company) as to which adequate reserves (determined in accordance
         with generally accepted accounting principles consistently applied
         ("GAAP")) have been provided in the books of account of the Company and
         on the Latest Balance Sheet.

                          (b)    The federal and state Tax Returns previously
         filed by the Company have not been audited by the Internal Revenue
         Service or relevant state tax authorities. Neither Seller nor the
         Company has given or been requested to give waivers or extensions (or
         is or would be subject to a waiver or extension given by any other
         Person) of any statute of limitations relating to the payment of taxes
         of the Company now due or for which the Company may be liable.

                          (c)    The charges, accruals, receivables and reserves
         with respect to taxes on the books of the Company are adequate
         (determined in accordance with GAAP) and are at least equal to the
         Company's direct or indirect liability, indebtedness, obligation,
         expense, claim, deficiency or guaranty of or by any person of any type,
         whether accrued, absolute, contingent, matured or unmatured
         ("Liability") for taxes. To the actual knowledge of each and any of the
         directors and officers of Seller and the Company ("Seller's
         Knowledge"), there exists no proposed tax assessment against the
         Company. All taxes that the Company is or was required by Law to
         withhold or collect have been duly withheld or collected and, to the
         extent required, have been paid to the proper Governmental Authority or
         other Person.

                          (d)    All Tax Returns filed by the Company are true,
         correct and complete. There are no tax liens (other than any lien for
         current taxes not yet due and payable) on any of the assets or
         properties of the Company. There is no basis for any additional
         assessment of any taxes. The Company has made all deposits required by
         law to be made with respect to the Company's employees' withholding and
         other employment taxes, including, without limitation, the portion of
         such deposits relating to taxes imposed upon the Company.






                                       7

<PAGE>   11



                  3.9.    Employee Matters; Officers and Directors.

                          (a)    The Company is not a party to any employment or
         consulting agreement with any Person or to any restrictive covenant
         agreement with any employee or with any former owner of the Company's
         business, which is currently in effect;

                          (b)    To Seller's knowledge, no employee or former
         employee of the Company is in Default under any term of any employment
         contract, agreement or arrangement relating to any intellectual
         property owned by the Company or noncompetition, nonsolicitation or
         nondisclosure arrangement, or any other Contract or any restrictive
         covenant relating to the right of any such employee to be employed by
         the Company because of the nature of the business conducted by the
         Company or relating to the use of any intellectual property of others;

                          (c)    To Seller's Knowledge, the Company is in full
         compliance with all Laws respecting employment and employment
         practices, terms and conditions of employment and wages and hours
         including, without limitation, the Fair Labor Standards Act, the Family
         and Medical Leave Act of 1993, the Americans with Disabilities Act of
         1990, the Veterans Reemployment Rights Act, the Occupational Safety and
         Health Act, the Employee Retirement Income Security Act of 1974, the
         Immigration Reform and Control Act of 1986, the Age Discrimination in
         Employment Act, Title VII of the Civil Rights Act of 1964, the Civil
         Rights Act of 1991, the Older Workers Benefit Protection Act each as
         amended to date. No severance obligations of any nature (whether
         accrued vacation pay, other accrued employment benefit or otherwise) is
         presently due to any employee of the Company or will be due to any
         employee of the Company upon consummation of the Purchase;

                          (d)    There are no claims against the Company now
         pending before any Governmental Authority. No present or former
         employee of the Company has given written or oral notice to the Company
         of, and, to Seller's Knowledge, there is no claim or any basis for any
         claim against the Company (whether under Law, any employment agreement
         or otherwise) on account of or for (i) overtime pay, other than
         overtime pay for the current payroll period, (ii) wages or salary
         (excluding current bonus, accruals and amounts accruing under pension
         and profit-sharing plans) for any period other than the current payroll
         period, (iii) vacation, time off or pay in lieu of vacation or time
         off, other than that earned in respect of the current fiscal year, or
         (iv) any violation of any Law relating to minimum wages or maximum
         hours of work;

                          (e)    The sole member of the Board of Directors of
         the Company is Bruce P. Leonard. The only officer of the Company is
         Charles R. Daniel who holds the offices of President and Secretary.

                  3.10.   Compliance with Law.

                          (a)    The Company is not in violation of any Court
         Order or, to Seller's Knowledge, any Law. The assets of the Company
         have not been used or operated by the










                                       8

<PAGE>   12


         Company or any other Person in violation of any Court Order or, to
         Seller's Knowledge, any Law. To Seller's Knowledge, the Company has not
         previously failed and is not currently failing to comply with any
         applicable Laws relating to the business of the Company or the
         operation of its assets where such failure or failures could have
         individually, or in the aggregate, an adverse effect on the Company or
         its business. Except as described on Schedule 3.10 hereof, there are no
         proceedings of record pending or, to Seller's Knowledge, threatened in
         writing against the Company or Seller. Neither the Company nor Seller
         has received any written notice or any oral notice regarding any
         existing or unresolved violation by the Company of any Law, including,
         without limitation, any requirement of any Governmental Authority.

                          (b)    The Company has delivered to Buyer, or properly
         identified and provided Buyer with reasonable access to, copies of all
         reports and other filings required to be filed by the Company with all
         Governmental Authorities since January 1, 1998. All such reports and
         filings were at the time of filing true and accurate, and were prepared
         in compliance with all applicable Laws.

                  3.11.    Claims. There is no lawsuit, action, arbitration,
administrative or other proceeding, criminal prosecution or governmental
investigation or inquiry or examination or audit involving the Company, its
business or any Contracts to which the Company is a party or by which it or any
of the assets of the Company or its business may be bound ("Proceeding") now
pending or, to Seller's Knowledge, threatened in writing before any court, grand
jury, administrative or regulatory body, Governmental Authority, arbitration or
mediation panel or similar body to which the Company or Seller is a party, nor
is there any judgment, decree, injunction, rule or order of any court,
Governmental Authority, commission, agency, instrumentality or arbitrator
outstanding against the Company, in an amount (awarded or sought, as the case
may be) greater than $25,000.

                  3.12.    Financial Statements. The Company has provided to
Buyer copies of its (i) unaudited balance sheet and statement of income, changes
in shareholders' equity, and cash flow for the Company (collectively, "Financial
Statements") as of and for the fiscal year ending December 31, 1998, and (ii)
unaudited Financial Statements as of and for the interim period ending September
30, 1999. All Liabilities of the Company at December 31, 1998, required to be
reflected or reserved for by GAAP are fairly reflected or reserved for in the
Company's balance sheet at December 31, 1998 (the "Latest Balance Sheet").
December 31, 1998 is referred to as the "Latest Balance Sheet Date" in other
parts of this Agreement. The Financial Statements are true, complete, and
accurate in all material respects and were prepared in accordance with GAAP
(except as otherwise disclosed therein) and fairly present the financial
position and results of operations of the Company at the dates and for the
periods covered, except adjustments that are necessary for a fair presentation
of the information shown, none of which are material.

                  3.13.   Undisclosed Liabilities. The Company has no Liability
except:
                          (a)    Those Liabilities set forth or adequately
         reserved for on the Latest Balance Sheet and not heretofore paid or
         discharged;






                                       9

<PAGE>   13




                          (b)    Those Liabilities arising in the Ordinary
         Course of Business consistent with past practice under any Contract;
         and

                          (c)    Those Liabilities incurred in the Ordinary
         Course of Business consistent with past practice since the Latest
         Balance Sheet Date and not heretofore paid or discharged.

                  3.14.   Pension Plans; Employee Benefit Plans.

                          (a)    Pension Benefit Plans. There is no "employee
         pension benefit plan" (within the meaning of Section 3(2) of the
         Employee Retirement Income Security Act of 1974, as amended, and the
         rules and regulations thereunder ("ERISA")) maintained by the Company
         or to which the Company contributes or is required to contribute,
         including any multiemployer plan ("Pension Benefit Plan").

                          (b)    Compliance with Applicable Law. Each "employee
         welfare benefit plan" (within the meaning of Section 3(1) of ERISA)
         maintained by the Company or to which the Company contributes or is
         required to contribute, including any multiemployer plan ("Welfare
         Benefit Plan"), any related trust agreements, annuity contracts, and
         other funding instruments, if any, comply in all material respects with
         the provisions of ERISA and the Internal Revenue Code of 1986, as
         amended (the "Code"), and the rules and regulations thereunder and all
         other Laws applicable to such Welfare Benefit Plans. The Company has
         performed all of its obligations currently required to have been
         performed under all Welfare Benefit Plans. There are no Proceedings
         (other than routine claims for benefits) pending or threatened in
         writing against or with respect to any Welfare Benefit Plans or the
         assets of such plans. No facts exist that could give rise to any
         Proceedings (other than routine claims for benefits) against such plans
         or the assets of such plans which if decided adversely could have an
         adverse effect on the Company or its business. No event has occurred
         that will or would reasonably be expected to subject any Welfare
         Benefit Plan to any tax under Section 511 of the Code.

                          (c)    Administration of Plans. Each Welfare Benefit
         Plan has been administered to date in compliance in all material
         respects with the requirements of ERISA and the Code. No plan fiduciary
         of any Welfare Benefit Plan has engaged in (i) any transaction in
         violation of Section 406(a) or (b) of ERISA, or (ii) any "prohibited
         transaction" (within the meaning of Section 4975(c)(1) of the Code) for
         which no exemption exists under Section 408 of ERISA or Section 4975(d)
         of the Code.

                          (d)    Other Employee Benefit Plans and Agreements.
         Schedule 3.14 lists each fringe benefit, profit sharing, deferred
         compensation, bonus, stock option, stock purchase, pension, retainer,
         consulting, retirement, welfare, or other incentive plan or agreement
         or employment agreement and any other employee benefit plan, agreement,
         arrangement, or commitment that is maintained by the Company or to
         which the Company contributes or is required to contribute.






                                       10

<PAGE>   14



                          (e)    Continuation Coverage Requirements for Health
         Plans. All group health plans of the Company (including any plans of
         affiliates of the Company that must be taken into account under Section
         4980B of the Code) have been operated in compliance with the group
         health plan continuation coverage requirements of Section 4980B of the
         Code and Title I, Part 6 of ERISA.

                          (f)    Valid Obligations. All Welfare Benefit Plans,
         related trust agreements, annuity contracts or other funding
         instruments, and all related plans, agreements, arrangements and
         commitments referred to in the Disclosure Schedule are legal, valid and
         binding and in full force and effect, and there are no defaults
         thereunder. None of the rights of the Company thereunder will be
         impaired by the consummation of the Purchase and the transactions
         contemplated by this Agreement, and all of the rights of the Company
         thereunder will be enforceable by Buyer at and after the Closing
         without the consent or agreement of any other party.

                          (g)    Severance or Vesting. Other than by reason of
         actions taken by Buyer following the Closing, the consummation of the
         Purchase and the transactions contemplated by this Agreement will not
         (A) entitle any current or former employee of the Company to severance
         pay, unemployment compensation or any other payment, except as
         expressly provided in this Agreement, (B) accelerate the time of
         payment or vesting, or increase the amount of compensation due to any
         such employee or former employee, (C) result in any prohibited
         transaction described in Section 406 of ERISA or Section 4975 of the
         Code for which an exemption is not available, or (D) give rise to the
         payment of any amount that would not be deductible pursuant to the
         terms of Section 280G of the Code.

                  3.15.   Real Property and Leaseholds. The Company does not
own in fee simple or otherwise any land, including buildings and improvement
thereon.

                  3.16.   Contracts. The Company's Material Contracts are in
full force and effect and are valid, binding and enforceable in accordance with
their terms, except as such enforceability may be limited by bankruptcy,
insolvency, reorganization, moratorium or other similar laws relating to
creditors' rights generally and remedies of specific enforcement and injunctive
relief and other forms of equitable relief and remedies.

                  3.17.   Transactions With Affiliates. Except with respect to
the ownership of the Seller Shares by Seller:

                          (a)    No director or officer of the Company has any
         direct or indirect financial interest in any competitor with, or
         supplier or customer of, the Company; provided, however, that for this
         purpose ownership of corporate securities having no more than 5% of the
         outstanding voting power of any competitor, supplier or customer, which
         securities are listed on any national securities exchange or authorized
         for quotation on the NASDAQ National Market, shall not be deemed to be
         such a financial interest, provided that such director or officer has
         no other connection or relationship with such competitor, supplier or
         customer;






                                       11

<PAGE>   15


                          (b)    Neither Seller nor any director or officer of
         the Company, or any of its, his or her affiliates, owns or has an
         ownership interest in any corporation or other entity that is a party
         to, or in any property which is the subject of, Contracts, business
         arrangements or relationships of any kind with the Company;

                          (c)    The Company is not indebted to Seller or any
         director, officer, employee or agent of the Company except for amounts
         due as normal salaries, wages, employee benefits and bonuses and in
         reimbursement of ordinary expenses on a basis consistent with the past
         practices of the Company;

                          (d)    Neither Seller nor any director, officer,
         employee or agent of the Company is indebted to the Company except for
         advances for ordinary business expenses on a basis consistent with the
         past practices of the Company.

                  3.18.   Certain Information. Schedule 3.18 lists:


                  (a)     all bank accounts, lock boxes, post office boxes and
safe deposit boxes maintained in the name of or controlled by the Company and
the names of the persons having access thereto; and


                  (b)     the location and name of the safekeeper of all safe,
security and computer passwords, codes, log-ins, combinations and similar
information necessary to avail, access or use Company property.

                  3.19.   No Other Obligations. Except as provided in this
Agreement or as described in Schedule 3.19 hereof, neither the Company nor
Seller has any legal or contractual obligation, absolute or contingent, to sell
all or any part of the assets of the Company (other than in the Ordinary Course
of Business), or any equity interest in the Company or to effect any merger,
consolidation or reorganization of the Company or to enter into any agreement
with respect thereto.

                  3.20.   No Brokers. Neither the Company, Seller, nor anyone
acting on their behalf has directly or indirectly engaged the services of a
broker or finder or other person who may be entitled to any brokerage fee or
commission in connection with the transaction referenced herein.

                  3.21.   No Guarantees. The Company is not a guarantor,
indemnitor, surety or accommodation party or otherwise liable for any
indebtedness of any other person, firm or corporation, except as endorser of
checks received and deposited in the Ordinary Course of Business.

                  3.22.    Company's Files. Buyer and its representatives have
been given access to all books, records and files relating to the Company and
its business, property rights, assets and liabilities.

                  3.23.    No Misrepresentation. No representation or warranty
made by Seller or the Company in this Agreement (including the Schedules
attached hereto) or in any of the







                                       12

<PAGE>   16





Transaction Documents contains any untrue statement of a fact or omits to state
a fact necessary to make the statements herein and therein not false or
misleading in light of the circumstances in which they are made.



                                   ARTICLE 4:
                     REPRESENTATIONS AND WARRANTIES OF BUYER

                  Buyer hereby represents and warrants to Seller and the Company
                  as follows:

                  4.1.    Organization and Standing. Buyer is a corporation duly
organized, validly existing and in good standing under the laws of the State of
Kansas and has all requisite corporate power and authority to perform its
obligations under this Agreement.

                  4.2.    Authority and Binding Effect. Buyer has the corporate
power and authority to execute, deliver and perform this Agreement and all of
the Transaction Documents to which it is a party. The execution, delivery and
performance of this Agreement and the Transaction Documents to which it is a
party and the consummation of the Purchase by Buyer have been duly authorized by
all necessary corporate action and will neither contravene nor violate the
Articles of Incorporation or Bylaws of Buyer. This Agreement constitutes, and
each of the Transaction Documents to which it is a party when executed and
delivered pursuant hereto will constitute, the legal, valid and binding
obligation of Buyer, enforceable against it in accordance with their terms.


                                   ARTICLE 5:
                                CERTAIN COVENANTS

                  5.1.    Election of Board of Directors Immediately after
consummation of the Purchase, Seller and Buyer shall each execute and deliver,
and the Company shall accept and include in its minute book and otherwise give
effect to, a unanimous consent of shareholders to (i) establish the number of
directors of the Company to be eight and (ii) elect a new Board of Directors of
the Company consisting of five persons nominated by Buyer (initially, Mark
Heitz, Steve Hinrichs, Al Atha, Tom Fogt and Mike Miller) and three persons
nominated by Seller (initially, Dan Speight, Charles Daniel and Kevin Tweddle).
Thereafter with respect to elections of directors and for so long as Seller
shall own at least 10% of the outstanding shares of Common Stock, Buyer shall be
entitled to nominate five directors, and Seller shall be entitled to nominate
three directors, and Buyer and Seller shall each vote their shares of Common
Stock in favor of those nominated to effect their election. In the event that a
director resigns, is removed, dies or becomes disabled and is no longer able to
serve, then the party nominating such director shall be entitled to name a new
director to fill such vacancy for the unexpired remaining term.

                  5.2.    Rights and Restrictions Concerning Seller Shares

                          (a)    Right of First Refusal. In the event that (i)
         Seller desires to sell, transfer, assign, pledge, encumber, hypothecate
         or otherwise dispose of any of the Seller Shares (a "Transfer of Seller
         Shares") during the ten-year period beginning on the date hereof and
         ending ten years after the date hereof (the "Refusal Period") and (ii)
         a third









                                       13

<PAGE>   17


         party makes a bona fide offer (an "Offer") for such Seller Shares,
         Seller shall first offer the Seller Shares to Buyer on the same terms
         and conditions as the Offer received. The terms and conditions of any
         Offers received shall be set forth in writing, and a copy of such Offer
         shall promptly be provided by Seller to Buyer, together with reasonable
         financial and business information concerning the proposed
         purchaser(s). Buyer shall then have thirty (30) days from the date a
         copy of the Offer is delivered (the "Option Exercise Period") in which
         to advise Seller in writing whether it elects to purchase the Seller
         Shares on the terms and conditions of such Offer. If Buyer does not
         timely elect to purchase the Seller Shares covered by the Offer, then
         such Seller Shares may be sold to the third party on the terms of the
         Offer for a period of twenty (20) days after expiration of the Option
         Exercise Period and such third party shall not be bound by the terms of
         this Agreement with respect to such Seller Shares; provided however,
         that if Seller desires to sell for a lesser price, or on terms more
         favorable to the purchaser, or after the 20-day period, then a new
         written Offer shall be submitted to Buyer in the same manner and
         subject to Buyer's right of refusal again as provided herein.

                          (b)    No Transfer of Seller Stock to Third Party.
         Seller shall not engage in, nor shall the Company permit recordation on
         its books of, any Transfer of Seller Shares during the Refusal Period
         without full compliance with the provisions of this Agreement. Any
         Transfer of Seller Shares in violation of this Agreement shall be void.

                          (c)    Put Right. If in the future Seller is not
         permitted under then applicable laws, rules, regulations and approvals
         to maintain its ownership of all of the Seller Shares held by Seller on
         the Closing Date, Seller shall have the right to require Buyer to
         purchase all or a portion of such shares (the "Put Shares") on a date
         not less than 90 days after the date Seller gives notice to that effect
         to Buyer. The purchase price per share for the Put Shares shall be an
         amount equal to 1.2 times the book value per share of the Put Shares as
         reflected in the regularly prepared financial statements of the Company
         or, if such book value is in dispute, as determined by an independent
         auditor mutually acceptable to Buyer and Seller.

                          (d)    Share Rights and Legend. Seller shall be
         entitled to vote the Seller Shares and receive dividends on the Seller
         Shares, and shall have all other rights of a shareholder during the
         Refusal Period and prior to any permitted Transfer of Seller Shares
         done in conformity with the provisions of this Agreement. Any shares of
         Company Stock hereafter acquired by Seller during the Refusal Period
         shall also be covered by this Agreement automatically. Seller shall
         submit the certificates representing the Seller Shares to the Company,
         and the Company shall place the following legend on the certificate(s)
         for Seller Shares issued to Seller:

                 "The shares represented by this certificate are
                 subject to certain restrictions on transfer pursuant
                 to the provisions of the Stock Purchase Agreement
                 dated February 23, 2000 among American Investors
                 Sales Group, Inc., Community Bank Marketing, Inc. and
                 Community Financial Services, Inc. and may be
                 transferred only in accordance with the provisions
                 thereof."





                                       14

<PAGE>   18


                                   ARTICLE 6:
                              CONDITIONS TO CLOSING

                  6.1.    Conditions to Obligation of Buyer. The obligation of
Buyer to consummate the transactions contemplated by this Agreement is subject
to satisfaction, at or prior to the Closing of each of the following conditions
unless Buyer shall have waived such satisfaction pursuant to Section 8.4:

                          (a)    Each of the representations and warranties of
         Seller set forth in this Agreement shall be true and correct as of the
         Closing;

                          (b)    On or prior to the Closing Date, Seller and the
         Company shall have performed and complied with all of the covenants set
         forth in this Agreement to be performed or complied with by them or it
         at or prior to the Closing Date;

                          (c)    No Proceeding or regulation or legislation
         shall have been instituted, threatened in writing or proposed before,
         nor any Court Order issued by, any Governmental Authority to enjoin,
         restrain, prohibit or obtain substantial damages (i) in respect of, or
         which is related to, or arises out of, this Agreement or the
         consummation of the Purchase, or (ii) which, in the reasonable judgment
         of Buyer, could have a material adverse effect on the Company, its
         business or the assets of the Company;

                          (d)    The Company shall have delivered to Buyer a
         certificate issued by the Secretary of State of Georgia, evidencing the
         corporate good standing of the Company in Georgia as of a date not more
         than five (5) business days prior to the Closing Date;

                          (e)    The Board of Directors of Buyer shall have
         approved the execution and delivery of this Agreement and the
         consummation of the transactions contemplated hereby; and

                          (f)    Seller shall have delivered to Buyer duplicate
         counterparts of the Distribution and Services Agreement in the form of
         Exhibit 6.1(f) hereto duly executed by The Bankers Bank, a Georgia
         banking corporation.

                  6.2.    Conditions to Obligations of Seller. The obligations
of Seller and the Company to consummate the transactions contemplated by this
Agreement is subject to satisfaction, at or prior to the Closing of each of the
following conditions unless the Company and Seller shall have waived such
satisfaction pursuant to Section 8.4:

                          (a)    Each of the representations and warranties of
         Buyer set forth in this Agreement shall be true and correct as of the
         Closing;

                          (b)    On or prior to the Closing Date, Buyer shall
         have performed and complied with all of the covenants set forth in this
         Agreement to be performed or complied with by it at or prior to the
         Closing Date;







                                       15

<PAGE>   19




                          (c)    There shall not be any injunction, judgment,
         order, decree, ruling or charge in effect preventing consummation of
         any transactions contemplated by this Agreement;

                          (d)    The Board of Directors of Seller and the
         Company shall have approved the execution and delivery of this
         Agreement and the consummation of the transactions contemplated hereby;
         and

                          (e)    Buyer shall have delivered to Seller duplicate
         counterparts of the Distribution and Services Agreement in the form of
         Exhibit 6.1(f) hereto duly executed by Buyer.


                                   ARTICLE 7:
                            INDEMNIFICATION; REMEDIES

                  7.1.    Investigations; Survival of Warranties and
Indemnification Obligations. The respective representations and warranties of
Seller, the Company and Buyer contained herein or in any certificates or other
documents delivered at the Closing are true, accurate and correct and shall not
be deemed waived (except to the extent waived in writing pursuant to Section
8.4) or otherwise affected by any investigation made by any party hereto or by
the occurrence of the Closing. Except to the extent set forth herein to the
contrary, each and every such representation and warranty and indemnification
obligation of any party hereunder shall survive until September 30, 2001;
provided, however, that:

                          (a)    all representations and warranties under
         Sections 3.1 [Organization and Good Standing], 3.2 [Authority and
         Binding Effect] and 3.3 [Capitalization and Share Ownership], and the
         provisions, covenants and obligations of Articles 5 [Certain
         Covenants], 7 [Indemnification; Remedies] and 8 [Miscellaneous] shall
         survive the Closing without expiration; and

                          (b)    all representations and warranties under
         Sections 3.8 [Returns and Reports; Taxes] and 3.13 [Undisclosed
         Liabilities] shall survive the Closing for the applicable statute of
         limitations for matters thereunto arising, plus ninety (90) days.

Any claim made in accordance with Article 7 within the applicable survival
period shall survive the Closing until finally resolved notwithstanding
expiration of the applicable survival period.

                  7.2.    Indemnification by Seller. Seller shall indemnify and
hold harmless Buyer, the Company and their respective directors, officers,
agents and attorneys (collectively, the "Indemnified Persons"), and shall
reimburse the Indemnified Persons for, any loss, Liability, claim, damage,
expense (including, but not limited to, costs of investigation and defense and
reasonable attorneys' and accountants', consultants' and experts' fees and
expenses that would not have otherwise been expended but for the breach) whether
or not involving a third-party claim (collectively, "Damages") for which a claim
is made prior to the expiration of the survival period, if any, under Section
7.1, arising from or based on any of the following:






                                       16

<PAGE>   20



                          (a)    any inaccuracy or omission in any of the
         representations and warranties of Seller or the Company in this
         Agreement or in any document, agreement, instrument or certificate
         delivered by Seller at the Closing pursuant to this Agreement;

                          (b)   any failure by Seller (or to the extent it is
         under Seller's control, the Company) to perform or comply with any
         agreement or covenant in this Agreement, or under any document,
         agreement, instrument or certificate delivered at the Closing by Seller
         pursuant to this Agreement.

Seller agrees that it shall have no rights of any nature whatsoever against the
Company from any and all claims arising out of, in connection with or relating
to the assertion by an Indemnified Person of a right to indemnification.

                  7.3.    Indemnification by Buyer. Buyer shall indemnify and
hold harmless Seller and shall reimburse it for any Damages for which a claim is
made prior to the expiration of the survival period, if any, under Section 7.1,
arising from or based on any of the following:

                          (a)    any inaccuracy in any of the representations
         and warranties of Buyer in this Agreement or in any document,
         agreement, instrument or certificate delivered by Buyer at the Closing
         pursuant to this Agreement, or

                          (b)    any failure by Buyer (or to the extent it is
         under Buyer's control, the Company) to perform or comply with any
         agreement or covenant in this Agreement or under any document,
         agreement, instrument, or certificate delivered at the Closing by Buyer
         pursuant to this Agreement.

                  7.4.    Notice of Claim; Payment.

                          (a)    Notice. In the event that any party hereunder
         determines that it is entitled to an indemnity payment pursuant to this
         Article 7, such party shall deliver a written notice to the
         indemnifying party.

                          (b)    Disputed Claim. If the indemnifying party
         disputes all or any portion of the claim, the indemnifying party must
         provide written notice of its objection (detailing the objection) to
         the indemnified party within fifteen (15) business days after the
         receipt of the claim from the indemnified party (an "Objected Claim").

                          (c)    Interest on Unpaid Claims. If all or part of
         any indemnification obligation under this Agreement is not paid when
         due, then the indemnifying party or parties shall pay the indemnified
         party or parties interest on the unpaid amount of the obligation, at
         the fluctuating rate per annum announced in The Wall Street Journal as
         the prime rate on the Closing Date, for each day from the date the
         amount was originally due until payment in full.

                  7.5.    Construction. The parties intend that each
representation, warranty and covenant herein shall have independent
significance. If any party has breached any representation, warranty or covenant
contained herein in any respect, the fact that there exists another






                                       17

<PAGE>   21



representation, warranty or covenant relating to the same subject matter
(regardless of the relative levels of specificity) which the party has not
breached shall not detract from or mitigate the fact that the party is in breach
of the first representation, warranty or covenant, as the case may be.

                  7.6.    Limitations on Indemnity.

                          (a)    Tipping Basket. No indemnification payments
         shall be payable pursuant to the indemnification obligations of Seller
         pursuant to Section 7.2 or the indemnification obligations of Buyer
         pursuant to Section 7.3, respectively, unless the total aggregate
         indemnification obligations under either such Section, as applicable to
         the indemnifying party, exceeds $50,000 (the "Threshold Amount"). Once
         the Threshold Amount is satisfied against an indemnifying party, the
         indemnifying party shall pay to the indemnified party the Threshold
         Amount plus the amount of all indemnification obligations in excess of
         the Threshold Amount, subject to the provisions of Section 7.6(b)
         below.

                          (b)    Maximum. The maximum amount of Damages payable
         by Buyer on one hand, and Seller, on the other hand, under this Article
         7 shall be the Seller Purchase Price.



                                   ARTICLE 8:
                                  MISCELLANEOUS

                  8.1.    Payment of Expenses. Except as otherwise specifically
provided herein, each of Seller, the Company and Buyer will pay all legal,
accounting, investment banking and other fees and expenses which such party
incurs in connection with this Agreement and the transactions contemplated
hereby.

                  8.2.    Announcements. No party to this Agreement shall make
any announcement in connection with the Purchase that has not been previously
approved in writing by Buyer and Seller, except for such announcement that it
reasonably deems advisable or appropriate in connection with its
responsibilities under the applicable securities laws.

                  8.3.    Assignment and Binding Effect. This Agreement may not
be assigned prior to the Closing by any party hereto without the prior written
consent of the other parties, except that Buyer may assign this Agreement to any
direct or indirect wholly-owned affiliate of AmVestors.

                  8.4.    Waivers. Any term or provision of this Agreement may
be waived at any time by the party entitled to the benefit thereof by a written
instrument executed by such party. No waiver by any party of any default,
misrepresentation, or breach of warranty or covenant hereunder, whether
intentional or not, shall be deemed to extend to any prior or subsequent
default, misrepresentation, or breach of warranty or covenant hereunder or
affect in any way rights arising by virtue of any prior or subsequent such
occurrence.

                  8.5.    Notices. Any notice, request, demand, waiver, consent,
approval or other communication which is required or permitted hereunder shall
be in writing and shall be deemed given only if delivered personally to the
address set forth below (to the attention of the





                                       18

<PAGE>   22



person identified below) or sent by registered or certified mail, postage
prepaid, or by Federal Express or other express delivery service as follows:


              If to Buyer, to:

              American Investors Sales Group, Inc.
              555 S. Kansas Avenue
              Topeka, KS 66601
              Attention:  Michael Miller

              with a copy to:

              Bryan Cave LLP
              1200 Main Street, 35th Floor
              Kansas City, MO 64105
              Attention:  Morris K. Withers, Esq.

              If to the Company, to:

              Community Bank Marketing, Inc.
              2410 Paces Summit
              Atlanta, GA 30339
              Attention: Charles R. Daniel

              If to Seller, to:

              Community Financial Services, Inc.
              2410 Paces Summit
              Atlanta, GA 30339
              Attention: Kevin M. Tweddle

              with a copy to:

              Morris, Manning & Martin, LLP
              1600 Atlanta Financial Center
              3343 Peachtree Road, N.E.
              Atlanta, GA 30326
              Attention: T. Daniel Brannan, Esq.


or to such other address as the addressee may have specified in a notice duly
given to the sender and to counsel as provided herein. Such notice, request,
demand, waiver, consent, approval or other communication will be deemed to have
been given as of the date so delivered or, if mailed, three business days after
the date so mailed, or if sent by Federal Express or express delivery service,
when received by the addressee.

                  8.6.    Kansas Law to Govern. This Agreement shall be governed
by and interpreted and enforced in accordance with the substantive laws of
Kansas without regard to the conflicts of law provisions thereof.







                                       19

<PAGE>   23




                  8.7.    No Benefit to Others. The representations, warranties,
covenants and agreements contained in this Agreement are for the sole benefit of
the parties hereto and their heirs, executors, legal representatives, successors
and permitted assigns, and they shall not be construed as conferring and are not
intended to confer any rights on any other persons.

                  8.8.    Entire Agreement; Amendments. This Agreement, together
with any documents referred to herein, sets forth the entire agreement of the
parties hereto with respect to transactions contemplated hereby and supersedes
and replaces any prior written or oral agreements relating thereto. This
Agreement may only be amended or modified by a subsequently dated writing signed
by all parties hereto.

                  8.9.    Schedules and Exhibits. The Exhibits and Schedules
identified in this Agreement are incorporated herein by reference and made a
part hereof. An item disclosed in a Schedule in response to one Section or
subsection of this Agreement shall not be deemed disclosed in response to any
other Section or subsection unless otherwise specifically provided in this
Agreement.

                  8.10.    Cooperation. Subject to the provisions hereof, the
parties hereto shall use commercially reasonable efforts to take or cause to be
taken such actions to execute and deliver or cause to be delivered such
additional documents and instruments, and to do or cause to be done all things
necessary, proper or advisable under the provisions of this Agreement and under
applicable law to consummate and make effective the transactions contemplated by
this Agreement.

                  8.11.    Severability. Any provision of this Agreement which
is invalid or unenforceable in any jurisdiction shall be ineffective to the
extent of such invalidity or unenforceability without invalidating or rendering
unenforceable the remaining provisions hereof, and any such invalidity or
unenforceability in any jurisdiction shall not invalidate or render
unenforceable such provision in any other jurisdiction.

                  8.12.    Counterparts. This Agreement may be executed in two
or more counterparts, each of which is an original and all of which together
shall be deemed to be one and the same instrument. This Agreement shall become
binding when one or more counterparts taken together shall have been executed
and delivered by all of the parties. It shall not be necessary in making proof
of this Agreement or any counterpart hereof to produce or account for any of the
other counterparts.

                  8.13.    Representation By Counsel; Interpretation. The
parties hereto each acknowledge that each party to this Agreement has been
represented by counsel in connection with this Agreement and the transactions
contemplated by this Agreement. Accordingly, any rule of law, or any legal
decision that would require interpretation of any claimed ambiguities in this
Agreement against the party that drafted it has no application and is expressly
waived.

                  8.14.    No Contribution; Indemnity. Seller shall have no
right of contribution, indemnity or other similar right against the Company
whatsoever with regard to this Agreement or amounts payable thereunder.












                                       20


<PAGE>   24






                  IN WITNESS WHEREOF, the parties hereto have duly executed this
Agreement by persons thereunto duly authorized as of the date first written
above.


                                    COMPANY:

                                    COMMUNITY BANK MARKETING, INC.

                                    By:  s/ Charles R. Daniel
                                         ------------------------------------
                                    Title:  President


                                    BUYER:

                                    AMERICAN INVESTORS SALES GROUP, INC.:

                                    By:  s/ Mark V. Heitz
                                         ------------------------------------
                                    Title:  President and CEO

                                    SELLER:

                                    COMMUNITY FINANCIAL SERVICES, INC.

                                    By:  s/ Kevin Tweedle
                                         ------------------------------------
                                    Title:  Secretary









                                       21