<PAGE>
 
                                                                    EXHIBIT 10.3

                              EMPLOYMENT AGREEMENT
                              --------------------


          THIS EMPLOYMENT AGREEMENT ("Agreement") is made and entered into as of
the 1/st/ day of July, 1998, by and among PREMIER BANK ("Premier"), a wholly-
owned Georgia banking subsidiary of among Premier Bancshares, Inc., a Georgia
corporation (the "Holding Company"); THE BANK OF GWINNETT COUNTY ("Gwinnett")
(Premier and Gwinnett shall sometimes be collectively referred to as
"Employers"); and ANDREW R. POURCHIER ("Employee") and shall become effective
only upon the closing of that certain Agreement and Plan of Reorganization,
dated as of February 5, 1998, by and between Button Gwinnett Financial
Corporation ("Button Gwinnett") and the Holding Company (the "Effective Date").

                             W I T N E S S E T H:

          WHEREAS, as of the Effective Date, Button Gwinnett, a Georgia
corporation, merged with and into the Holding Company, and Gwinnett became a
wholly-owned banking subsidiary of the Holding Company;

          WHEREAS, as of the Effective Date, Employee became Executive Vice
President of Premier and continued as Executive Vice President of Gwinnett;

          WHEREAS, the Boards of Directors of Employers consider the
establishment and maintenance of highly competent and skilled management
personnel for Employers to be essential to protecting and enhancing their best
interests;

          WHEREAS, the Boards of Directors of Employers are desirous of inducing
Employee to remain in the employ of Employers, subject to the terms and
conditions hereof;

          WHEREAS, Employee is desirous of remaining in the employ of Employers,
subject to the terms and conditions hereof; and
<PAGE>
 
          WHEREAS, the parties agree that the provisions of this Agreement shall
control with respect to the rights and obligations of the parties resulting from
the employment of Employee by Employers;

          NOW, THEREFORE, for and in consideration of the mutual covenants
herein contained, and other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto do hereby agree
as follows:

     1.   Definitions. The following terms used in this Agreement shall have the
          ----------- 
following meanings:

          (a)  "Base Salary" shall mean the annual compensation (excluding
     Incentive Compensation as defined in (e) of this paragraph and other
     benefits) payable or paid to Employee pursuant to paragraph 4(a) of this
     Agreement.

          (b)  "Change of Control" shall be deemed to have occurred if:

               (i)   Upon the consummation of any transaction in which any
          person (or persons acting in concert), partnership, corporation, or
          other organization shall own, control, or hold with the power to vote
          more than fifty percent (50%) of any class of voting securities of the
          Holding Company;

               (ii)  Upon the consummation of any transaction in which the
          Holding Company, or substantially all of the assets of the Holding
          Company, shall be sold or transferred to, or consolidated or merged
          with, another corporation; or

               (iii) Upon the consummation of any transaction in which either or
          both Employers, or substantially all of the assets of either or both
          Employers, shall be sold or transferred to, or consolidated or merged
          with, another corporation which is not a majority owned subsidiary of
          the Holding Company;

                                      -2-
<PAGE>
 
     provided, however, if the Holding Company or the Employers shall become a
     subsidiary of another corporation or shall be merged or consolidated into
     another corporation and a majority of the outstanding voting shares of the
     parent or surviving corporation are owned immediately after such
     acquisition, merger, or consolidation by the owners of a majority of the
     voting shares of the Holding Company immediately before such acquisition,
     merger, or consolidation, then no Change of Control shall be deemed to have
     occurred.  It is contemplated by the parties that, during the Term of
     Employment, Gwinnett may be merged with and into Premier; and further that,
     upon such merger, Premier, for all purposes under this Agreement, shall be
     deemed the sole employer of Employee and referred to as "Employers."

          (c)  "Disability" shall mean a condition for which benefits would be
     payable under any long-term disability insurance coverage (without regard
     to the application of any elimination period requirement) then provided to
     Employee by Employers; or, if no such coverage is then being provided, the
     inability of Employee to perform the material aspects of Employee's duties
     under this Agreement for a period of at least ninety (90) consecutive days,
     as determined by an independent physician selected with the approval of
     Employers and Employee.

          (d)  "Event of Termination" shall mean the termination by Employers of
     Employee's employment under this Agreement by written notice delivered to
     Employee for any reason other than Termination for Cause as defined in (g)
     of this paragraph or termination following a continuous period of
     disability exceeding twelve (12) calendar months pursuant to paragraph 6(a)
     of this Agreement.

                                      -3-
<PAGE>
 
          (e)  "Incentive Compensation" shall mean that compensation payable or
     paid to Employee pursuant to paragraph 4(b) of this Agreement.

          (f)  "Severance Amount" shall have the same meaning as the term
     "parachute payment" defined in Section 280G(b)(2) of the Internal Revenue
     Code (as amended).

          (g)  "Termination for Cause" shall have the meaning provided in
     paragraph 7(a) of this Agreement.

     2.   Employment.
          ---------- 

          (a)  Employers agree to continue Employee in their employ, and
     Employee agrees to remain in the employ of Employers, as Executive Vice
     President of Gwinnett and as Executive Vice President of Premier, for the
     period stated in paragraph 3(a) hereof and upon the other terms and
     conditions herein provided. Employee agrees to perform faithfully such
     services as are reasonably consistent with his positions and shall from
     time to time be assigned to him by the Boards of Directors of Employers in
     a trustworthy and businesslike manner for the purpose of advancing the
     interests of Employers. At all times, Employee shall manage and conduct the
     business of Employers in accordance with the policies established by the
     Boards of Directors of Employers, and in compliance with applicable
     regulations promulgated by governing regulatory agencies. Responsibility
     for the supervision of Employee shall rest with the Boards of Directors of
     Employers, which shall review Employee's performance at least annually. The
     Boards of Directors of Employers shall also have the authority to terminate
     Employee, subject to the provisions outlined in paragraph 7 of this
     Agreement.

          (b)  During the term of this Agreement, the Holding Company shall
     elect Employee to the Board of Directors of Premier and Employee shall
     serve as a Director of

                                      -4-
<PAGE>
 
     Premier.  It is expressly agreed that Employee shall cease serving as a
     Director of Premier upon the termination of this Agreement and Employee
     hereby agrees to immediately resign from the Board of Directors of Premier
     upon the termination of this Agreement, whether voluntary or involuntary,
     with or without cause.

     3.   Term and Duties.
          --------------- 

          (a)  Term of Employment.  This Agreement and the period of Employee's
               ------------------                                              
     employment under this Agreement shall be deemed to have commenced as of the
     Effective Date and shall continue for a period of twenty-four (24) full
     calendar months thereafter, unless earlier terminated pursuant to this
     Agreement or unless Employee dies before the end of such twenty-four (24)
     months, in which case the period of employment shall be deemed to continue
     until the end of the month of such death. On each anniversary of the
     Effective Date, this Agreement and Employee's term of employment shall be
     automatically extended for an additional twelve (12) month period, unless
     Employee on the one hand, or Employers on the other hand, shall give
     written notice to the other, within the sixty (60)-day period immediately
     prior to the applicable anniversary of the Effective Date, that Employee's
     term of employment hereunder shall not be extended.

          (b)  Performance of Duties. During the period of employment hereunder,
               ---------------------  
     except for periods of illness, disability, reasonable vacation periods, and
     reasonable leaves of absence, Employee shall devote substantially all of
     his business time, attention, skill, and efforts to the faithful
     performance of his duties hereunder.  Employee's duties shall be divided
     between Employers at the direction and in the discretion of the Boards of
     Directors of Employers as is commensurate with the division of salary set
     forth in paragraph 4(a) of this Agreement.  Employee shall be entitled to
     reasonable participation as a member in

                                      -5-
<PAGE>
 
     community, civic, or similar organizations and the pursuit of personal
     investments which do not present any material conflict of interest with
     Employers, or otherwise unfavorably affect the performance of Employee's
     duties pursuant to this Agreement.

          (c)  Office of Employee.  The office of Employee shall be located at
               ------------------                                             
     2230 Scenic Highway, Snellville, Georgia 30278, or at such other location
     within Fulton or Gwinnett County as Employers may from time to time
     designate; provided, however, that, in the event such relocation required
     Employee to move his principal residence, the Employers shall reimburse
     Employee for all his reasonable moving expenses.

          (d)  No Other Agreement.  The Employee shall have no employment
               ------------------                                        
     contract or other written or oral agreement concerning employment with any
     entity or person other than Employers and during the term of his employment
     under this Agreement.

          (e)  Uniqueness of Employee's Services.  Employee hereby represents
               ---------------------------------                             
     that the services to be performed by him under the terms of this Agreement
     are of a special, unique, unusual, extraordinary, and intellectual
     character which gives them a peculiar value, the loss of which cannot be
     reasonably or adequately compensated in damages and in an action at law.
     Accordingly, Employee expressly agrees that Employers, in addition to any
     rights or remedies which Employers may possess, shall be entitled to
     injunctive and other equitable relief to prevent the breach of this
     Agreement by Employee.

     4.   Compensation and Reimbursement of Expenses.
          ------------------------------------------ 

          (a)  Salary.  Subject to the provisions of paragraph 7 hereof,
     Employers shall pay Employee, as compensation for serving as Executive Vice
     President of Employers, an initial Base Salary of $137,000.00 ; such
                                                       -----------       
     initial Base Salary, or any increased Base Salary, shall be payable in
     substantially equal installments in accordance with the Employers' normal
     pay

                                      -6-
<PAGE>
 
     practices, but not less frequently than monthly.  For each twelve-month
     period, until Gwinnett shall be merged with and into Premier, 80% of
     Employee's Base Salary shall be ascribed to and reflected upon the books
     and records of Gwinnett and 20% of Employee's Base Salary shall be ascribed
     to and reflected upon the books and records of Premier, commensurate with
     the services performed by Employee for the respective employer. Employee's
     Base Salary and any Incentive Compensation (as defined in paragraph 4(b)
     hereof) shall be reviewed and approved at least annually by the Boards of
     Directors of Employers, or any committee(s) designated thereby.  Said
     Boards or Committee(s), if warranted in their discretion, may increase
     Employee's Base Salary to reflect Employee's performance.

          (b)  Incentive Compensation.  During the Term of Employment, Employee
               ----------------------                                          
     shall be eligible to participate in any incentive bonus plans maintained by
     Employers for their executive officers.  It is contemplated that an annual
     incentive bonus plan will be maintained by Employers which will establish
     individual performance goals for Employee each and every fiscal year during
     the Term of Employment, with Employee being awarded a target bonus
     ("Incentive Compensation") of approximately thirty percent (30%) of his
     then current Base Salary upon the attainment, in the discretion of the
     Boards of Directors of Employers or any committee(s) designated thereby, of
     Employee's individual performance goals and certain specified corporate
     objectives.  The payment to Employee of any Incentive Compensation as
     aforesaid shall be made by Employers in accordance with the policy or
     policies established by the Boards of Directors of Employers or any
     committee(s) designated thereby.  Notwithstanding anything contained in
     this Agreement to the contrary, any increase to Employee's Total
     Compensation, as hereinafter defined, paid to Employee shall be (i) in

                                      -7-
<PAGE>
 
     compliance with regulations, pronouncements, directives, or orders issued
     or promulgated by any governing regulatory agency and with any agreements
     by and between Employers and such regulatory agencies, (ii) consistent with
     the safe and sound operation of Employers, (iii) closely monitored by the
     Boards of Directors of Employers and (iv) comparable to such compensation
     paid to persons of similar responsibilities and duties in other insured
     institutions of similar size, in similar locations, and under similar
     circumstances including financial condition and profitability.

          (c)  Total Compensation.  During the first twenty-four (24) months of
               ------------------                                              
     this Agreement, Employee shall receive a minimum Total Compensation of
                                                                           
     $178,000.00, annually.  "Total Compensation" is defined as the sum of
     -----------                                                          
     Employee's Base Salary plus Employee's Incentive Compensation.  After the
     first twenty-four (24) months of this Agreement have expired, Employee
     shall receive such Total Compensation as is determined in the discretion of
     the Boards of Directors of Employers or any committee(s) designated thereby
     as set forth in paragraphs 7(a) and 7(b) above.

          (d)  Reimbursement of Expenses.  Employers shall pay or reimburse
               -------------------------                                   
     Employee for all reasonable travel (except as modified by paragraph 7(f)
     hereof) and other expenses incurred by Employee in the performance of his
     obligations and duties under this Agreement as provided in the applicable
     policies of Employers, as currently adopted or as may be adopted in the
     future by the Boards of Directors of Employers.

          (e)  Provision for Business Development Expenses.  In addition to the
               -------------------------------------------                     
     foregoing, Employers believe that their best interests will be more fully
     served if Employee maintains active membership in or joins appropriate
     business or social clubs and other professional associations.  Accordingly,
     Employers shall also reimburse Employee for the dues and

                                      -8-
<PAGE>
 
     business related expenditures associated with Employee's membership in such
     appropriate business or other social clubs and professional associations
     which are commensurate with his positions and approved by the Boards of
     Directors of Employers.

          (f)  Provision of Automobile.
               ----------------------- 

               (i)   Employers shall, on the Effective Date of this Agreement,
          cause to be transferred to Employee the title to that certain 1997
          Ford Explorer automobile owned by Gwinnett.

               (ii)  Employers shall provide Employee with an automobile
          allowance of $500 per month. No other reimbursement will be made
                        ---                                               
          relating to the operation and maintenance of any automobile by
          Employee; and Employee shall maintain, at his expense, automobile
          liability insurance to protect Employee and Employers, as their
          respective interests may appear, against claims arising out of the use
          of said automobile (or any other motor vehicle) in the course of
          Employee's employment hereunder.

          (f)  "Golden Parachute" Provision.  Notwithstanding anything contained
               ----------------------------                                     
     in this Agreement to the contrary, any payments made to Employee pursuant
     to this Agreement, or otherwise to Employee, are subject to and conditioned
     upon their compliance with 12 U.S.C. (S) 1828(k) and any regulations
     promulgated thereunder.

     5.   Participation in Benefit Plans.  The payments provided in paragraph 4,
          ------------------------------                                        
6, and 7 hereof are in addition to any benefits to which Employee may be, or may
become, entitled to, under any group hospitalization, health, dental care, or
sick leave plan; life insurance or death benefit plan; travel or accident
insurance; pension or retirement plan; stock option or ownership plan; or other
present or future group employee benefit plan or program for which senior
executive officers of

                                      -9-
<PAGE>
 
Employers shall be or shall become eligible.  Said benefit shall include,
without limitation, major medical/dental insurance for Employee and his
dependents.

     6.   Benefits Payable Upon Disability.
          -------------------------------- 

          (a)  Disability Benefits.  In the event of the Disability of Employee,
               -------------------                                              
     Employers shall continue to pay Employee 100% of Employee's then current
     Base Salary pursuant to paragraph 4(a) during the first twelve (12) months
     of a continuous period of disability.  It is provided, however, that in the
     event Employee is disabled for a continuous period exceeding twelve (12)
     months, Employers may, at its election, terminate this Agreement, in which
     event payment of Employee's Base Salary shall cease.

          (b)  Disability Benefit Offset.  Any amounts payable under paragraph
               -------------------------                                      
     6(a) hereof shall be reduced by any amounts paid to Employee under any
     other disability program or policy of insurance maintained by Employers.

     7.   Payments to Employee Upon Termination of Employment.  The Boards of
          ---------------------------------------------------                
Directors of Employers may terminate Employee's employment under this Agreement
at any time; but any termination other than Termination for Cause shall not
prejudice Employee's right to compensation or other benefits under this
Agreement.  Employee may voluntarily terminate his employment under this
Agreement.  The rights and obligations of Employers and Employee in the event of
such termination are set forth in this paragraph 7 as follows:

          (a)  Termination for Cause.  Employee shall have no right to
               ---------------------                                  
     compensation or other benefits for any period after a Termination for
     Cause.  Termination for Cause shall be determined by the Boards of
     Directors of Employers in the reasonable exercise of their discretion and
     acting in good faith.  For purposes of this Agreement, "Cause" shall mean:

                                      -10-
<PAGE>
 
               (i)   the willful or gross misconduct or willful or gross
          negligence in the performance by Employee of Employee's duties for
          Employers;

               (ii)  the intentional neglect by Employee of Employee's duties
          for Employers;

               (iii) the conviction of Employee of theft or misappropriation of
          funds of Employers or of a business related felony or a felony
          involving moral turpitude;

               (iv)  the commencement of a proceeding by or against Employee
          under any bankruptcy, insolvency, or similar law;

               (v)   the willful violation by Employee of any agreement with, or
          cease and desist order entered by, any governing regulatory agency
          involving; or

               (vi)  the regulatory suspension or removal of Employee as defined
          in paragraphs 9(a) and (b) hereof.

     The termination of employment of Employee shall not be deemed to be for
     Cause unless and until there shall have been delivered to Employee a copy
     of a resolution duly adopted by the affirmative vote of not less than two-
     thirds of the entire membership of the Board(s) of Premier and/or Gwinnett
     at a meeting of the respective Board(s) called and held for such purpose
     (after reasonable notice is provided to Employee and Employee is given an
     opportunity, together with counsel, to be heard before the Board), finding
     that, in the good faith opinion of the Board, Employee is guilty of the
     conduct described herein in subparagraph (i), (ii), (iii), (iv), (v) or
     (vi) of this paragraph 7(a), and specifying the particulars thereof in
     detail.

          (b)  Event of Termination Without Change of Control.  Upon the
               ----------------------------------------------           
     occurrence of an Event of Termination,  other than after a Change of
     Control as provided in paragraph 7(c) hereof, Employee, or in the event of
     his subsequent death, his designated beneficiary or

                                      -11-
<PAGE>
 
     beneficiaries, or his estate, as the case may be, shall receive, as
     liquidated damages, in lieu of all other claims, a severance payment equal
     to Employee's then current Total Compensation paid to Employee during the
     immediately preceding twelve (12) months, to be paid in full on the last
     day of the month following the date of said Event of Termination. The
     responsibility for making such severance payment shall be allocated among
     Employers in whatever manner they deem appropriate.

          (c)  Event of Termination in Connection With a Change of Control.  If,
               -----------------------------------------------------------      
     during the term of this Agreement and within one (1) year immediately
     following a Change of Control or within six (6) months immediately prior to
     such Change of Control, Employee's employment with Employers under this
     Agreement is terminated by an Event of Termination, Employee, or in the
     event of his subsequent death, his designated beneficiary or beneficiaries,
     or his estate, as the case may be, shall receive, as liquidated damages, in
     lieu of all other claims, a severance payment equal to Employee's then
     current Total Compensation paid to Employee during the immediately
     preceding twelve (12) months, to be paid in full on the last day of the
     month following the date of said Event of Termination. The responsibility
     for making such severance payment shall be allocated among Employers in
     whatever manner they deem appropriate.  In no event shall the payment(s)
     described in this paragraph 7(c) exceed the amount permitted by Section
     280G of the Internal Revenue Code (as amended).  Therefore, if the
     aggregate present value (determined as of the date of the Change of Control
     in accordance with the provisions of Section 280G of the Internal Revenue
     Code (as amended) or any successor thereof and the regulations and rulings
     thereunder ("Section 280G")) of both the Severance Amount and all other
     payments to Employee in the nature of compensation which are contingent on
     a change in ownership or

                                      -12-
<PAGE>
 
     effective control of the Employers or Holding Company or in the ownership
     of a substantial portion of the assets of Employers or Holding Company (the
     "Aggregate Severance") would result in a parachute payment (as determined
     under Section 280G) then the Aggregate Severance shall not be greater than
     an amount equal to 2.99 multiplied by Employee's base amount (as determined
     under Section 280G) for the base period (as determined under Section 280G).
     In the event the Aggregate Severance is required to be reduced pursuant to
     this paragraph 7(c), Employee shall be entitled to determine which portions
     of the Aggregate Severance are to be reduced so that the Aggregate
     Severance satisfies the limit set forth in the preceding sentence.
     Employee's average annual compensation shall be based on the most recent
     five taxable years ending before the Change of Control (or the period
     during which Employee was employed by Employers and/or the Holding Company
     if Employee has been employed by Employers and/or the Holding Company for
     less than five years).

          (d)  Voluntary Termination of Employment. Employee shall have no right
               -----------------------------------  
     to compensation or other benefits under this Agreement for any period
     following the voluntary termination of Employee's employment by Employee,
     except as provided in paragraph 7(b), 7(c), or 7(e) hereof.

          (e)  Termination of Employment for Good Reason. If, during the term of
               -----------------------------------------  
     this Agreement, the status, character, capacity, and circumstances of
     Employee's employment as provided in paragraphs 2, 3, 4 and 5 of this
     Agreement have been materially altered by Employers, whether by a reduction
     in salary, responsibilities, authority or benefits, and Employee terminates
     his employment under this Agreement within twelve (12) months thereafter
     for that reason, Employee, or in the event of his subsequent death, his
     designated beneficiary or beneficiaries, or his estate, as the case may be,
     shall receive as liquidated

                                      -13-
<PAGE>
 
     damages, in lieu of all other claims, a severance payment equal to
     Employee's then current Total Compensation paid to Employee during the
     immediately preceding twelve (12) months, to be paid in full on the last
     day of the month following the date of said termination.  The
     responsibility for making such severance payments shall be allocated among
     Employers in whatever manner they deem appropriate.

          (f)  Additional Payments After Termination.  In the event that
               -------------------------------------                    
     Employee's employment is terminated pursuant to paragraph 7(b), 7(c), or
     7(e) above, then Employers shall pay Employee an additional amount equal to
     Employee's cost of COBRA health continuation coverage for Employee and his
     eligible dependants for the period during which Employee and his eligible
     dependants are entitled to receive COBRA continuation coverage from
     Employers under the applicable laws, rules and regulations governing COBRA.

     8.   Vacation and Sick Leave.  Employee shall be entitled, without loss of
          -----------------------                                              
pay, to absent himself voluntarily from the performance of his duties under this
Agreement in accordance with the terms set forth below, all such voluntary
absences to count as vacation time, provided that:

          (a)  Employee shall be entitled to an annual vacation in accordance
     with the policies that the Boards of Directors of Employers periodically
     establish(es) for senior management employees of Employers.

          (b)  Employee shall not receive any additional compensation from
     Employers on account of his failure to take a vacation, and Employee shall
     not accumulate unused vacation from one fiscal year to the next, except in
     either case to the extent authorized by the Boards of Directors of
     Employers.

          (c)  In addition to the aforesaid paid vacations, Employee shall be
     entitled, without loss of pay, to absent himself voluntarily from the
     performance of his employment

                                      -14-
<PAGE>
 
     obligations with Employers for such additional periods of time and for such
     valid and legitimate reasons as the Boards of Directors of Employers may in
     their discretion approve. It is also provided that the Boards of Directors
     of Employers may grant to Employee a leave or leaves of absence, with or
     without pay, at such time or times and upon such terms and conditions as
     the Boards of Directors of Employers may in their discretion determine.

          (d)  Employee shall be further entitled to an annual sick leave
     benefit as may be established by the Boards of Directors of Employers.

     9.   Regulatory Suspension.
          --------------------- 
 
          (a)  If Employee is suspended and/or temporarily prohibited from
     participating in the conduct of the affairs of Employers by a notice served
     under Sections 8(e)(3) or (g)(1) of the Federal Deposit Insurance Act, 12
     U.S.C. (S)1818(e)(3) or (g)(1), the obligations of Employers under this
     Agreement shall be suspended as of the date of service of such notice,
     unless stayed by appropriate proceedings.  If the charges in the notice are
     dismissed, then the Employers may, in their discretion, (i) pay Employee
     all or part of the compensation withheld while its contract obligations
     were suspended and (ii) reinstate in whole or in part any of its
     obligations which were suspended.

          (b)  If  Employee is removed and/or permanently prohibited from
     participating in the conduct of the affairs of Employer by an order issued
     under Section 8(e)(4) or (g)(1) of the Federal Deposit Insurance Act, 12
     U.S.C. (S) 1818(e)(4) or (g)(1), all obligations of the Employers under
     this Agreement shall terminate as of the effective date of the order.

     10.  Source of Payments.  All payments provided in paragraphs 4, 6, and 7
          ------------------                                                  
hereof shall be paid in cash from the general funds of Employers  as provided
herein, and no special or separate fund shall be established by Employers, and
no other segregation of assets shall be made to assure

                                      -15-
<PAGE>
 
payment.  Employee shall have no right, title, or interest in or to any
investments which Employers may make to meet the obligations hereunder.

     11.  Nondisclosure of Confidential Information.  Employee acknowledges that
          -----------------------------------------                             
he possesses confidential information of a special and unique nature and value
affecting and relating to the business of Employers and the Holding Company
business, including, without limitation, customer lists, deposits, business
records, other trade secrets, and other similar confidential information
relating to Employers and/or the Holding Company and the business of each (all
the foregoing being hereinafter collectively referred to as "Confidential
Information").  Employee recognizes and acknowledges that all Confidential
Information is the exclusive property of Employers and/or the Holding Company,
respectively, constitutes trade secrets of Employers and/or the Holding Company,
is material and confidential, and greatly affects the goodwill and the effective
and successful conduct of the business of Employers and/or the Holding Company.
As a material inducement to Employers to enter into this Agreement and to employ
Employee, Employee covenants and agrees that he will not at any time during the
term of his employment under this Agreement, and for a period of one (1) year
from the end of such employment, directly or indirectly, divulge, reveal, or
communicate any Confidential Information to any person, firm, corporation, or
entity whatsoever, or use any Confidential Information for his own benefit or
for the benefit of others.  Employee further acknowledges that said Confidential
Information has material commercial value to Employers and/or the Holding
Company so long as it is not known by competitors of Employers and/or the
Holding Company and that Employers and the Holding Company have taken reasonable
steps to keep all such information and trade secrets confidential.

     12.  Injunctions. In view of the irreparable harm and damage which
          -----------                                                  
Employers and/or the Holding Company would sustain as a result of a breach by
Employee of the covenants or agreements

                                      -16-
<PAGE>
 
under paragraph 11 hereof, and in view of the lack of an adequate remedy at law
to protect the interests of Employers and/or the Holding Company, Employers
and/or the Holding Company shall have the right to receive, and Employee hereby
consents to the issuance of, a permanent injunction enjoining Employee from any
violation of the covenants and agreements set forth in paragraph 11 hereof.  The
foregoing remedy shall be in addition to, and not in limitation of, any other
rights or remedies to which Employers and/or the Holding Company is/are or may
be entitled at law or in equity respecting this Agreement.  It is expressly
agreed by the parties hereto that the Holding Company is an intended third party
beneficiary of paragraphs 11,12 and 13 of this Agreement and may enforce same
against Employee as if they were a party hereto.

     13.  Attorneys' Fees.  In the event any party hereto is required to engage
          ---------------                                                      
in legal action against any other party hereto, either as plaintiff or
defendant, in order to enforce or defend any of its or his rights under this
Agreement, and such action results in a final judgment in favor of one or more
parties, then the party or parties against whom said final judgment is obtained
shall reimburse the prevailing party or parties for all legal fees and expenses
incurred by the prevailing party or parties in asserting or defending its or his
rights hereunder.  It is provided, however, that, prior to a final judgment,
Employers and/or the Holding Company shall advance to Employee the reasonable
legal fees and expenses incurred by Employee in connection with Employee's
engagement in any legal action against Employers and/or the Holding Company,
either as plaintiff or defendant, in order to enforce or defend any of
Employee's rights under this Agreement.  Such advances shall be made within
thirty (30) days after receiving copies of invoices presented by Employee for
such reasonable legal fees and expenses.  Employee shall have the obligation to
reimburse Employers and/or the Holding Company within sixty (60) days following
the final disposition of the matter (including

                                      -17-
<PAGE>
 
appeals) to the full extent of the aggregate advances unless Employee shall have
prevailed in asserting or defending his rights hereunder.

     14.  Federal Income Tax Withholding.  Employers may withhold from any
          ------------------------------                                  
benefits payable under this Agreement all federal, state, city, or other taxes
as shall be required pursuant to any law or governmental regulation or ruling.

     15.  Effect of Prior Agreements.  This Agreement, that certain Indexed
          --------------------------                                       
Executive Salary Continuation Agreement, dated as of September 9, 1994, as
amended and restated, between Employee and Gwinnett, and that certain Flexible
Premium Life Insurance Endorsement Method Split Dollar Plan Agreement, dated as
of September 9, 1994, as amended, between Employee and Gwinnett, contain the
entire understanding between the parties hereto and supersede any prior written
agreements and any contemporaneous oral agreements or understandings by,
between, or among the Employers and Employee with respect to Employee's
employment.

     16.  General Provisions.
          ------------------ 

          (a)  Nonassignability.  Neither this Agreement nor any right or
               ----------------                                          
     interest hereunder shall be assignable by Employee, his beneficiaries or
     legal representatives, without the written consent of Employers; provided,
     however, that nothing in this paragraph 16(a) shall preclude (i) Employee
     from designating a beneficiary to receive any benefits payable hereunder
     upon his death, or (ii) the executors, administrators, or other legal
     representatives of Employee or his estate from assigning any rights
     hereunder to the person or persons entitled thereto.

          (b)  No Attachment.  Except as required by law, no right to receive
               -------------                                                 
     payments under this Agreement shall be subject to anticipation,
     commutation, alienation, sale, assignment, encumbrance, charge, pledge, or
     hypothecation, or to execution, attachment,

                                      -18-
<PAGE>
 
     levy, and any attempt, voluntary or involuntary, to effect any such action
     shall be null, void, and of no effect.

          (c)  Binding Agreement.  This Agreement shall be binding upon, and
               -----------------                                            
     inure to the benefit of, Employers  and Employee and their respective
     heirs, successors, assigns, and legal representatives.

     17.  Modification and Waiver.
          ----------------------- 

          (a)  Amendment of Agreement.  This Agreement may not be modified or
     amended except by an instrument in writing, signed by the parties hereto,
     and which specifically refers to this Agreement.

          (b)  Waiver. No term or condition of this Agreement shall be deemed to
               ------  
     have been waived, nor shall there be any estoppel against the enforcement
     of any provision of this Agreement, except by written instrument of the
     party charged with such waiver or estoppel. No such written waiver shall be
     deemed a continuing waiver unless specifically stated therein, and each
     waiver shall operate only as to the specific term or condition waived and
     shall not constitute a waiver of such term or condition for the future or
     as to any act other than that specifically waived.

     18.  Severability.  If for any reason any provision of this Agreement is
          ------------                                                       
held invalid, such invalidity shall not affect any other provision of this
Agreement not held invalid, and each such other provision shall to the full
extent consistent with law continue in full force and effect.  If any provision
of this Agreement shall be held invalid in part, such invalidity shall in no way
affect the rest of such provision not held so invalid, and the rest of such
provision, together with all other provisions of this Agreement, shall to the
full extent consistent with law continue in full force and effect.

                                      -19-
<PAGE>
 
     19.  Headings.  The headings of paragraphs herein are included solely for
          --------                                                            
convenience of reference and shall not control the meaning or interpretation of
any of the provisions of this Agreement.

     20.  Governing Law.  This Agreement has been executed and delivered in the
          -------------                                                        
State of Georgia, and its validity, interpretation, performance, and enforcement
shall be governed by the laws of said State.

     21.  Rights of Third Parties.  Nothing herein expressed or implied is
          -----------------------                                         
intended to or shall be construed to confer upon or give to any person, firm, or
other entity, other than the parties hereto and their permitted assigns, any
rights or remedies under or by reason of this Agreement, except as expressly set
forth in paragraph 11 hereof.

     22.  Notices.  All notices, requests, demands, and other communications
          -------                                                           
provided for by this Agreement shall be in writing and shall be sufficiently
given if and when mailed in the United States by registered or certified mail,
or personally delivered, to the party entitled thereto at the address stated
below or to such changed address as the addressee may have given by a similar
notice:


          To Employers:       Chairman, Compensation Committee
                              Board of Directors
                              Premier Bancshares, Inc.
                              2180 Atlanta Plaza
                              950 E. Paces Ferry Road
                              Atlanta, Georgia  30326



                                     -and-



                    [ADDRESSES CONTINUED ON FOLLOWING PAGE]

                                      -20-
<PAGE>
 
          Copy to:            Steven S. Dunlevie, Esq.
                              Womble Carlyle Sandridge & Rice, PLLC
                              Suite 700
                              1275 Peachtree Street
                              Atlanta, Georgia 30309

          To Employee:        Mr. Andrew R. Pourchier
                              688 Ford Avenue
                              Lawrenceville, Georgia  30044


          IN WITNESS WHEREOF, Employers have caused this Agreement to be
executed and their seal to be affixed hereunto by their duly authorized
officers, and Employee has signed this Agreement, as of the Effective Date.


ATTEST:                             PREMIER BANK


/s/                                 By: /s/ Darrell D. Pittard
------------------------------          --------------------------------
Secretary                                 Darrell D. Pittard
                                          Chairman of the Board
[BANK SEAL]

                                      -21-
<PAGE>
 
ATTEST:                            THE BANK OF GWINNETT COUNTY

/s/                                By:  /s/ John D. Stephens
----------------------------           ------------------------------
Secretary                                 John D. Stephens
                                          Chairman of the Board
[BANK SEAL]


/s/                                 /s/ ANDREW R. POURCHIER          (SEAL)
----------------------------       ----------------------------------
Witness                            ANDREW R. POURCHIER


This Agreement is hereby executed by Premier Bancshares to acknowledge its
responsibility to Employee under paragraph 2(b).


ATTEST:                            PREMIER BANCSHARES, INC.


/s/                                By:  /s/ Darrell D. Pittard
-----------------------------          ----------------------------------
Secretary                                 Darrell D. Pittard
                                          Chairman of the Board

                                      -22-