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                                                                 Exhibit 10.32


                        SUSAN TARBE EMPLOYMENT AGREEMENT



This Employment Agreement ("Agreement") is made and entered into as of the 23rd
day of August, 1996 by and between CONTINUCARE CORPORATION, a Florida 
corporation (the "Company") and SUSAN TARBE (the "Employee").

RECITALS

       A.     The Board of Directors of the Company (the "Board") believes that
              the Employee can contribute to the growth and success of the
              Company, and desires to assure the Company of the Employee's
              employment and to compensate her therefor.

       B.     the Board has determined that this Agreement will reinforce and
              encourage the Employee's attention and dedication to the Company.

       C.     The Employee is willing to make her services available to the
              Company on the terms and conditions hereinafter set forth.

AGREEMENT

NOW, THEREFORE, in consideration of the premises and mutual covenants set forth
herein, the parties agree as follows:

1.    EMPLOYMENT

       1.1    GENERAL. The Company hereby agrees to employ the Employee, and
              the employee hereby agrees to serve the Company on the terms and
              conditions set forth herein.

       1.2    DUTIES OF EMPLOYEE. During the term of this Agreement, the
              employee shall serve as Executive Vice President, General Counsel,
              and shall diligently perform all services as may be assigned to
              her by the C.E.O., and shall exercise such power and authority as
              may from time to time be delegated to her by the Board. The
              Employee shall devote substantially all of her business time and
              attention to the business and affairs of the Company, render such
              services to the best of her ability, and use her best efforts to
              promote the interests of the Company.
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       2.     TERM. Except as otherwise provided in Section 5 hereof, the term
              of this Agreement shall commence on September 23, 1996 and shall
              terminate at the end of the Term ("Term"). The Term shall be a
              three-year period commencing September 23, 1996 and ending on
              September 22, 1999.

       3.     COMPENSATION

              3.1    BASE SALARY. The Employee shall receive a base salary at
                     the annual rate of One Hundred Thirty Thousand Dollars
                     ($130,000) (the "Base Salary") during the Term of this
                     Agreement, with such base Salary payable in installments
                     consistent with the Company's normal payroll schedule,
                     subject to applicable withholding and other taxes.

              3.2    BONUS. The Employee shall receive a bonus (the "Bonus")
                     equal t at least 10% of the Base Salary, which amount
                     shall be payable in equal quarterly installments over the
                     one-year period following the date hereof. The Employee
                     shall also be eligible to receive an additional bonus in
                     an amount determined by the majority vote of all members
                     of the Company's Board of Directors, based upon the
                     Company's operating results, financial condition,
                     prospects and intended utilization of earnings, if any.

              3.3    COST-OF-LIVING INCREASE. Commencing August 23, 1997, and
                     each Anniversary Date thereafter during the term, the Base
                     Salary shall be increased, but shall not be decreased, by
                     that percentage by which the Consumer Price Index (All
                     Items Less Shelter), Urban Wage Earnings and Clerical
                     Workers for the Miami Florida area published by the United
                     States government (the "Index") for the immediately
                     preceding calendar year exceeds such Index for the next
                     preceding calendar year. If publication of the Index is
                     discontinued, the parties hereto shall accept comparable
                     statistics on the cost of living for the Miami, Florida
                     area as computed and published by an agency of the United
                     States government or, if no such agency computes and
                     publishes such statistics, by any regularly published
                     national financial periodical that does compute and
                     publish such statistics. The employee shall also be
                     eligible to receive an additional annual increase in
                     salary in an amount determined by the CEO of the Company.

              3.4    STOCK OPTION. The Employee shall receive a warrant of
                     100,000 shares of the Company at a price of $5.00 per
                     share, which represents 90.0% of the fair market value of
                     the stock of the Company at the time of the offer. On
                     august 19, 1996 the closing price of Zanart on Nasdaq was
                     $6.00. The warrant shall vest gradually over a 5-year
                     period at a rate of 20% a year.

              3.5    CHANGE OF CONTROL. Upon a change of control in the
                     Company, the Employee shall be entitled to an acceleration
                     of the remainder of the Employee's 


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                     Agreement and the automatic vesting of the total warrant
                     of 100,000 shares of the Company.

       4.     EXPENSE REIMBURSEMENT AND OTHER BENEFITS

              4.1    OTHER REIMBURSABLE EXPENSES. During the term of the
                     Employee's employment hereunder, the Company, upon the
                     submission of proper substantiation by the employee, shall
                     reimburse the Employee for all other reasonable expenses
                     actually and necessarily paid or incurred by the Employee
                     in the course of and pursuant to the business of the
                     Company, including annual Florida bar and American Bar
                     Association dues and continuing legal education courses
                     necessary to maintain licensure with the Florida Bar.

              4.2    OTHER BENEFITS. The Employee and her immediate family
                     shall be entitled to participate in all medical and
                     hospitalization, group life insurance, and any and all
                     other plans as are presently and hereinafter provided by
                     the Company to its executives. The Employee shall also be
                     entitled to three weeks vacation in accordance with the
                     Company's prevailing policy for its executives, with any
                     additional vacation time to be determined by the CEO.

              4.3    WORKING FACILITIES. The Company shall furnish the Employee
                     with an office, secretarial help and such other facilities
                     and services suitable to her position and adequate for the
                     performance of her duties hereunder.

              4.4    AUTOMOBILE ALLOWANCE. The Employee shall be entitled to an
                     automobile allowance of $400 per month, which amount is
                     intended to compensate Employee for wear and tear and
                     other expenses incurred by Employee by reason of the use
                     of Employee's automobile for Company business from time to
                     time.

       5.     TERMINATION

              5.1    TERMINATION FOR CAUSE. The Company shall at all times have
                     the right, upon written notice to the Employee, to
                     terminate the employee's employment hereunder for "Cause"
                     (as hereinafter defined). For purposes of this Agreement,
                     the term "Cause" shall mean (I) the willful failure or
                     refusal of the employee to perform material duties or
                     render material services assigned to her from time to time
                     by the CEO or the Board (except during reasonable vacation
                     periods or sick leave) , (ii) the conviction of the
                     employee of a falony, (iii) the association, directly or
                     indirectly, of the employee for her profit or financial
                     benefit, with any person, firm, partnership, association,
                     entity or corporation that competes with the Company in
                     any material way, excluding purchases of stock by the
                     Employee not to exceed 5% of any publicly held company
                     which so competes, (iv) the disclosing or using of any
                     material trade secret or confidential information of the
                     Company at any time by the Employee, except 
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                     as required in connection with her duties to the Company,
                     or (v) the intentional breach by the employee of her
                     fiduciary duty to the Company as defined by applicable
                     law. Upon any termination pursuant to this Section 5.1,
                     the Employee shall be entitled to be paid her Base Salary
                     to the date of termination and the amount, if any, of the
                     unpaid Bonus in accordance with Section 3.2 hereof, and
                     the Company shall have no further liability hereunder
                     (other than for reimbursement for reasonable business
                     expenses incurred prior to the date of termination).

              5.2    DISABILITY. The Company shall at all times have the right,
                     upon written notice to the Employee, to terminate the
                     Employee's employment hereunder if the employee shall, as
                     the result of mental or physical incapacity, illness or
                     disability, become unable to perform her duties hereunder
                     for in excess of ninety (90) days in any 12-month period
                     so long as the Company is in compliance with applicable
                     law. Upon any termination pursuant to this Section 5.2,
                     the Company shall pay to the employee any unpaid amounts
                     of her base Salary accrued through the effective date of
                     termination and the amount, if any, of the unpaid Bonus in
                     accordance with Section 3.2 hereof, and an additional
                     amount to be determined by the majority vote of the Board
                     of Directors in their discretion, the Company shall have
                     no further liability hereunder (other than for
                     reimbursement for reasonable business expenses incurred
                     prior to the date of termination, subject, however, to the
                     provisions of Section 4.1).

              5.3    DEATH. In the event of the death of the Employee during
                     the term of her employment hereunder, the Company shall
                     pay to the estate of the deceased Employee any unpaid
                     amounts of her Base Salary accrued through the effective
                     date of her death and the amount, if any, of the unpaid
                     Bonus in accordance with Section 3.2 hereof, and the
                     Company shall have no further liability hereunder (other
                     than for reimbursement for reasonable business expenses
                     incurred prior to the date of the employee's death,
                     subject, however, to the provisions of Section 4.1). In
                     the event of the death of the Employee on Company
                     business, the Board of Directors may consider payment of
                     an amount determined by a majority of the Board to the
                     estate of the Employee.

              5.4    TERMINATION WITHOUT CAUSE. At any time the Company shall
                     have the right to terminate the employee's employment
                     hereunder by written notice to the employee; provided,
                     however, that the Company shall continue to pay to the
                     Employee the Base Salary for the balance of the Agreement
                     per Section 2 following the effective date of termination
                     specified in such notice in accordance with the Company's
                     normal payroll policies and the amount, if any, of the
                     unpaid Bonus in accordance with Section 3.2 hereof. In
                     addition, the stock option as described in Section 3.4
                     shall vest immediately and in the full amount of 100,000
                     shares. The Company shall have no further liability
                     hereunder (other than for reimbursement for reasonable
                     business expenses
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                     incurred prior to the date of termination, subject,
                     however, to the provisions of Section 4.1).

              5.5    RESIGNATION BY EMPLOYEE. The Employee shall at all times
                     have the right, upon 180 days' written notice to the
                     Company, to terminate the Employee's employment hereunder.
                     Upon any termination pursuant to this Section 5.5, the
                     Employee shall be entitled to be paid her Base Salary to
                     the date of termination and the amount, if any, of the
                     unpaid Bonus in accordance with Section 3.2 hereof, and
                     the Company shall have no further liability hereunder
                     (other than for reimbursement for reasonable business
                     expenses incurred prior to the date of termination,
                     subject, however, to the provisions of Section 4.1).

              5.6    CHANGE OF CONTROL. Upon a change of control in the
                     Company, upon 60 days notice, the warrant described in
                     Section 3.4 shall vest immediately in the amount of
                     100,000 shares. Change of control will also include any
                     termination of Charles M. Fernandez in his position of
                     Chairman and CEO of the Company, or the sale of more than
                     50% of Mr. Fernandez' holding in the Company.

       6.     RESTRICTIVE COVENANTS

              6.1    NON-COMPETITION. While employed by the Company and for a
                     period of ninety (90) days following the termination of
                     the Emp0loyee's employment hereunder (other than a
                     termination without cause, as contemplated by Section 5.4
                     hereof), the Employee shall not, directly or indirectly,
                     engage in or have any interest in any sole proprietorship,
                     partnership, corporation, or business or any other person
                     or entity (whether as an employee, officer, director,
                     partner, agent, security holder, creditor, consultant, or
                     otherwise) that directly or indirectly engages primarily
                     in the outpatient psychiatric healthcare business (the
                     "Business") in competition with the Company and/or its
                     "affiliates" (as such term is defined in rule 12b-2 as
                     promulgated under the Securities Exchange Act of 1934, as
                     amended) or otherwise similar to the business of the
                     Company and its affiliates in Florida or in any other
                     state in which the Company and/or its affiliates are
                     conducting business at the time of termination or
                     separation.

              6.2    NONDISCLOSURE. Employee shall not divulge, communicate,
                     sue to the detriment of the Company or any affiliate or
                     for the benefit of any other person or persons, or misuse
                     in any way, any confidential information pertaining to the
                     business of the Company or any affiliate. Any confidential
                     information or data now known or hereafter acquired by the
                     employee with respect to the business of the Company or
                     any affiliate (which shall include but not be limited to
                     information concerning the Company's or any affiliates'
                     financial condition, prospects, patients, sources, and
                     methods of doing business) shall be deemed a valuable,
                     special and unique asset of the Company that is received
                     by the
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                     employee in confidence and as a fiduciary, and the
                     employee shall remain a fiduciary to the Company with
                     respect to all such information except for information
                     which is in the public domain and any and all information
                     or documents requested by legal process, that is, by
                     subpoena, with the employee to provide sufficient
                     notification to the Company upon receipt of such legal
                     process.

              6.3    NONSOLICITATION OF EMPLOYEES AND CUSTOMERS. While employed
                     by the Company, and for a period of three years (except
                     that the period with respect to the prohibition in Clause
                     (ii) hereof shall be one year if Employee's employment is
                     terminated pursuant to Section 5.4 hereof) following the
                     date her employment is terminated hereunder, the employee
                     shall not, directly or indirectly, for herself or for any
                     other person, firm, corporation, partnership, association
                     or other entity, (I) attempt to employ or enter into any
                     contractual arrangement with any employee or former
                     employee of the Company, unless such employee or former
                     employee has not been employed by the Company for a period
                     in excess of six months, and/or (ii) call on or solicit
                     any of the actual or targeted patients of the Company, nor
                     shall the Employee make known the names and addresses of
                     such patients.

              6.4    BOOKS AND RECORDS. All books, records, and accounts
                     relating in any manner to the customers or clients of the
                     Company, whether prepared by the employee or otherwise
                     coming into the Employee's possession, shall be the
                     exclusive property of the Company and shall be returned
                     immediately to the Company on termination of the
                     employee's employment hereunder or on the Company's
                     request at any time.

       7.     INJUNCTION. It is recognized and hereby acknowledged by the
              parties hereto that a breach by the Employee of any of the
              covenants contained in Section 6 of this Agreement will cause
              irreparable harm and damage to the Company, the monetary amount
              of which may be virtually impossible to ascertain. As a result,
              the employee recognizes and hereby acknowledges that the company
              shall be entitled to an injunction from any court of competent
              jurisdiction enjoining and restraining any violation of any or
              all of the covenants contained in Section 6 of this Agreement by
              the employee or any of her affiliates, associates, partners or
              agents, either directly or indirectly, and that such right to
              injunction shall be cumulative and in addition to whatever other
              remedies the Company may possess.

       8.     GOVERNING LAW. This Agreement shall be governed by and construed
              in accordance with the laws of the State of Florida without
              regard to any conflict of law, rule or principle that would give
              effect to the laws of another jurisdiction.

       9.     ENTIRE AGREEMENT. This Agreement constitutes the entire agreement
              between the parties hereto with respect to the subject matter
              hereof and, upon its effectiveness, shall supersede all prior
              agreements, understandings, and arrangement, both oral and


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              written, between the Employee and the Company (or any of its
              affiliates, including, without limitation, Continucare
              Corporation) with respect to such subject matter. This Agreement
              may not be modified in any way unless by a written instrument
              signed by both the Company and the Employee.

       10.    NOTICES. Any notice required or permitted to be given hereunder
              shall be deemed given when delivered by hand or when deposited in
              the United States mail, by registered or certified mail, return
              receipt requested, postage prepaid, to the parties hereto at
              their respective address set forth in the Purchase Agreement or
              to such other address as either party hereto may from time to
              time give notice of to the other.

       11.    BENEFITS; BINDING EFFECT. This Agreement shall be for the benefit
              of and binding upon the parties hereto and their respective
              heirs, personal representative, legal representatives, successors
              and, where applicable, assigns, including without limitation any
              successor to the Company, whether by merger, consolidation, sale
              of stock, sale of assets or otherwise; provided, however, that
              the Employee shall not delegate her employment obligations
              hereunder, or any portion thereof, to any other person.

       12.    SEVERABILITY. The invalidity of any one or more of the words,
              phrases, sentences, clauses or sections contained in this
              Agreement shall not affect the enforceability of the remaining
              portions of this Agreement or any part thereof, all of which are
              inserted conditionally on their being valid in law and, in the
              event that any one or more of the words, phrases, sentences,
              clauses or sections contained in this Agreement shall be declared
              invalid, this Agreement shall be construed as if such invalid
              word or words, phrase or phrases, sentence or sentences, clause
              or clauses, or section or sections has not be inserted. If such
              invalidity is caused by length of time or size of area, or both,
              the otherwise invalid provision will be considered to be reduced
              to a period or area which would cure such invalidity.

       13.    WAIVERS. The waiver by either party hereto of a breach or
              violation of any term or provision of this Agreement shall not
              operate nor be construed as a waiver of any subsequent breach or
              violation.

       14.    DAMAGES. Nothing contained herein shall be construed to prevent
              the Company or the employee from seeking and recovering from the
              other damages sustained by either or both of them as a result of
              its or her breach of any term or provision of this Agreement. In
              the event that either party hereto brings suit for the collection
              of any damages resulting from, or for the injunction of any
              action constituting a breach of any of the terms or provisions of
              this Agreement, then the party found to be at fault shall pay all
              reasonable court costs and attorneys' fees of the other.

       15.    SECTION HEADINGS. The section headings contained in this
              Agreement are for reference purposes only and shall not affect in
              any way the meaning or interpretation of this Agreement.


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       16.    NO THIRD PARTY BENEFICIARY. Nothing expressed or implied in this
              Agreement is intended, nor shall be construed to confer upon or
              give any person other than the Company, the Employee and their
              respective heirs, personal representatives, legal
              representatives, successors and assigns, as applicable, any
              rights or remedies under or by reason of this Agreement.

         IN WITNESS WHEREOF, the undersigned have executed this Agreement as of
the date first above written.

                                     CONTINUCARE CORPORATION



                                     By:         /s/ Charles M. Fernandez
                                        ----------------------------------------
                                                     Charles M. Fernandez
                                                     C.E.O.


                                                 /s/ Susan Tarbe
                                        ----------------------------------------
                                                     Susan Tarbe