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                                                                   EXHIBIT 10.2


                                OPTION FOR LEASE
                            MCH MEDICAL CENTER, LTD.

To:      Hans C. Mueller, Chairman and CEO
         Florida Coastline National Bank (In Organization)
         255 Palm Avenue
         Miami Beach, FL 33139

Dear Mr. Mueller:

         RE:   OPTION TO LEASE SPACE AT 8720 S.W. 88TH STREET, MIAMI, FLORIDA

         This Letter Agreement is intended to memorialize the agreement between
Florida Coastline National Bank (In Organization) ("Coastline") and MCH
Properties, Ltd. ("Landlord") providing for the grant herein of the option to
lease commercial office space known as Suites B112/B114 and B115 (the
"Premises") in the Lennar Medical Center, 8720 S.W. 88th Street, Miami, Florida
from MCH Medical Center, Ltd. (the Landlord) pursuant to the terms and
conditions provided herein:

         1.       This Option shall be valid from and after January 1, 2002
                  until 5:00 p.m. EDT on May 31, 2002, unless extended pursuant
                  to the terms hereof.

         2.       This Option may be exercised by Coastline at any time prior to
                  its expiration by Notice of Exercise sent by Coastline to
                  Landlord stating that Coastline shall enter into the form of
                  Lease attached hereto as Exhibit A for the Premises beginning
                  upon a date specified therein which date shall not be later
                  than the expiration date of this Option. The Premises shall
                  mean:

                                    Suite B112/B114
                                    8720 S.W. 88th Street
                                    consisting of the western most space on the
                                    first floor of the building comprising
                                    approximately 3150 rentable square feet
                                    including 17% add-on factor

                                    Plus

                                    Suite B115
                                    8720 S.W. 88th Street
                                    Consisting of space adjacent to
                                    Suite B112/B114 immediately
                                    eastward on the first floor of the


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Mr. Hans C. Mueller
November 30, 2000
Page 2

                                    building comprising approximately 1,425
                                    rentable square feet including 17% add-on
                                    factor which space may not become available
                                    until May 31, 2002, at the latest.

         4.       Coastline shall have obtained all necessary Federal and State
                  of Florida approvals to operate as a commercial bank prior to
                  exercising this Option, and all necessary Dade County
                  Planning and Zoning approvals to operate on the premises
                  shall have been obtained prior to occupancy by Coastline.

         5.       Coastline shall pay to landlord the sum of $5,250.00 on the
                  1st day of each month during the term of this Option
                  including any extension thereof in order to maintain this
                  Option in force. Failure to make such payment within 10 days
                  of its due date will allow Landlord to terminate this Option
                  if payment is not made within 5 additional days thereafter
                  after giving written notice thereof to Coastline.

         6.       In addition to the Option payment set forth in Paragraph 5
                  above, Coastline shall pay to Landlord an additional Option
                  payment for the adjacent 1,426 square feet in the amount of
                  $2,377.00 when it becomes available.

         7.       Coastline shall pay all applicable sales taxes due hereon, if
                  any.

         8.       Landlord and Coastline agree that Landlord shall be liable
                  for no brokerage fees or commissions whatsoever related to
                  the Premises.

         9.       Upon exercise of this Option, the Landlord and Coastline
                  shall confirm their respective entry into and execution of
                  the attached Lease in the form of Exhibit A for the Premises
                  which shall operate according to its terms except that the
                  following terms shall apply:

                           a)       The initial rental amount for the first
                                    year of the Lease shall be at the annual
                                    rate of $24.00 per square foot (4,576 sq.
                                    ft.), with annual standard C.P.I. increases
                                    thereafter;

                                    Immediately following the completion of the
                                    improvements for the leased space, the
                                    Tenant will provide an in-place measurement,
                                    which calculates the square footage from the
                                    outside face of walls on the common areas
                                    and the centerline of demising walls of the
                                    sub-leased premises. In the event the square
                                    footage varies from the said 4576 sq. ft.
                                    adjustments upward or downward as the case
                                    requires will be made.

                                    A 17% add on factor will be added to the
                                    total net rentable area.

                           b)       If additional space is added at the time the
                                    annual rate will remain $24.50. per square
                                    foot.

                           c)       The rent applicable to the first month of
                                    the lease shall be waived by Landlord;

                           d)       The Lease shall be for full services,
                                    including, electricity, maintenance,
                                    cleaning, etc.;



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Mr. Hans C. Mueller
November 30, 2000
Page 3
                           e)       The Lease term shall be for 5 years from
                                    its initial date after exercise and shall
                                    include an additional Option by the Tenant
                                    to lease the Premises for an additional 5
                                    year term; thus totaling ten (10) years;

                           f)       The lease shall provide that no less than
                                    five (5) parking spaces in the front of the
                                    entrance to the Premises shall be
                                    designated "Bank Customers Only", although
                                    Landlord shall not be obligated to monitor
                                    compliance regarding such designations; and

                           g)       Coastline shall be entitled to erect
                                    signage at its cost on the exterior of the
                                    building; subject to Landlord's approval.


Agreed by:                                 Agreed by:

FLORIDA COASTLINE                          MCH MEDICAL CENTER, LTD.
NATIONAL BANK (IN ORGANIZATION)

                                           BY: MCH PROPERTIES, INC., AS SOLE
                                               GENERAL PARTNER

By: /s/ Hans C. Mueller                    By: /s/ Mario E. Henriquez
    -----------------------                    -------------------------------
       Hans C. Mueller                           Mario E. Henriquez     12/18/01
       Chairman & CEO                            President