Document:

FIRST AMENDMENT TO LICENSE AND CONSULTING AGREEMENT

This First Amendment to License and Consulting Agreement (this "AMENDMENT"),
effective as of October 16, 1999 (the "AMENDMENT DATE"), is made and entered
into by and between Planned Licensing, Inc. a New York corporation and wholly
owned subsidiary of Namanco Productions, Inc. ("LICENSOR"), and SportsLine.com,
Inc., a Delaware corporation, located at 6340 N.W. 5th Way, Ft. Lauderdale,
Florida 33309 ("LICENSEE").

                                  INTRODUCTION

Licensor and Licensee entered into a License and Consulting Agreement, executed
as of August 10th 1994 (the "AGREEMENT"). Licensor and Licensee each desires to
amend the terms of the Agreement as described in this Amendment.

For good and valuable consideration the parties hereby agree as follows:

                                      TERMS

1.       The second  paragraph  of the  recitals in the Agreement is hereby
         stricken in its entirety and in lieu thereof substituted with the
         following:

         "WHEREAS, Licensor operates a sports-oriented online service (the
         "SPORTSLINE SERVICE") distributed via various platforms including but
         not limited to on the World Wide Web portion of the Internet at
         universal resource locator "cbs.sportsline.com" and other URLs owned by
         or licensed to SPLN and desires to retain Licensor (i) to consult in
         the development, funding, marketing and promotional activities of
         Licensee and (ii) to provide the services of Namath as a performer to
         advertise and promote its products, and as a spokesman for its
         products; and"

2.       Sub-section 1(b) of the Agreement is hereby amended by striking
         "on-line sports information computer service ("SportsLine")" and in
         lieu thereof substituting "the SportsLine Service".

3.       Sub-section 1(e) of the Agreement is hereby stricken in its entirety
         and in lieu thereof substituting with the following:

         "Contract Year" shall mean a consecutive twelve (12) month period
         commencing on October 16, 1999, and on each anniversary thereafter
         during the term thereof."

4.       Sub-section 2(a) of the Agreement is hereby amended by adding the
         following sub-sections:

         "(vi)    Serve as a guest commentator/analyst in the on-air broadcast
                  of Licensee's nationally syndicated Westwood One/CBS Radio
                  property "The Drive" during the NFL football season (including
                  pre- and post-seasons) for a minimum of fifteen (15) minutes
                  per week with a minimum of three (3) personal in studio
                  appearances, for so long as Licensee continues to produce such
                  show or other similar programming during the Term.

         (vii)    Make a mutually agreed upon quantity (but in all events a
                  minimum of four (4)) of personal appearances per year
                  (schedule subject to NAMATH availability) at
                  greeting/autograph sessions for end users of the SportsLine
                  Service, sales meetings and other Endorsed Products related
                  functions.

         (viii)   Provide a reasonable amount of autographed items as requested
                  by Licensee and at the sole cost of Licensee. Licensee agrees
                  not to resell such autographed items and to limit the use of
                  such items to promotional purposes unless otherwise mutually
                  agreed by the parties."

<PAGE>

5.       Section 4 of the Agreement is hereby amended by (a) striking "July 1,
         1994" and in lieu thereof substituting "October 16, 1999", (b) striking
         the term "Initial Term" and in lieu thereof substituting "Term", and
         (c) striking the second and third sentences in their entirety. All
         references in the Agreement to the terms "term of this Agreement" and
         "Initial Term" are stricken and in lieu thereof substituted with the
         "Term."

6.       Licensor hereby waives the right to receive any and all payments
         otherwise due pursuant to sub-sections (a)-(c) of Section 5 of the
         Agreement subsequent to the Effective Date (it being understood that,
         subsequent to the Effective Date) the royalty structure set forth below
         in amended section 5 as set forth below in section 7 of this Amendment
         supersedes the royalty structure set forth in original section 5 of the
         Agreement. Licensor further hereby discharges all of Licensee's
         obligations pursuant to sub-sections 5 (a)-(c) of the Agreement,
         immediately prior to giving effect to the following amendment to
         Section 5 of the Agreement, with respect to royalty payments that
         otherwise would become due subsequent to the Effective Date.

7.       Section 5 of the  Agreement is hereby  stricken in its entirety and in
         lieu thereof substituted with the following:

         "In full consideration for the rights, licenses and privileges herein
         granted to licensee, and the mutual promises set forth herein, Licensee
         agrees to:

         (a)      pay Licensor two hundred thousand dollars ($200,000) per
                  Contract Year in cash to be paid in equal quarterly
                  installments over the Term, commencing on January 1, 2000 and
                  continuing on the first day of each calendar quarter
                  thereafter until paid in full or, if sooner, until the
                  effective date of termination of this Agreement in the event
                  of a material breach by Licensor or Namath.

         (b)      grant to Licensor options to purchase up to thirty thousand
                  (30,000) shares of SPLN common stock (the "OPTIONS") at an
                  exercise price based on the closing price of SPLN common stock
                  on the NASDAQ National Market on the Amendment Date, and which
                  shall (i) vest pro-rata in arrears over the Term (i.e., 20% on
                  each anniversary of the Effective Date until fully vested),
                  provided this Agreement is in effect on the applicable vesting
                  date, and (ii) otherwise be subject to the terms, conditions
                  set forth in Licensee's Incentive Compensation Plan.

         (c)      Commencing  on July 1, 1999, and continuing until the earlier
                  of fifteen (15) years thereafter or the effective date of
                  termination of this Agreement if earlier terminated as a
                  result of a material breach by Licensor or Namath, Licensor
                  shall be entitled to receive royalty payments ("ROYALTY
                  PAYMENTS") on account of paid subscriptions to the SportsLine
                  Service (e.g. "General Admission" and "Box Seat"
                  subscriptions) for end user access to fee based content on the
                  SportsLine Service (but expressly excluding any and all other
                  specific fee based content and/or services as determined in
                  the sole and exclusive discretion of Licensee, including,
                  without limitation, fee based frequency loyalty programs and
                  fantasy products and any non-fee based frequency loyalty
                  programs) solely for subscribers who enrolled in the
                  SportsLine Service during the period commencing on the Launch
                  Date and ending on June 30, 1999, at the rate of fifteen cents
                  ($0.15) per month per paid subscriber which remains validly
                  enrolled in the SportsLine Service ("ROYALTY SUBSCRIBERS").
                  For purposes of this paragraph "Launch Date" shall mean the
                  date on which the SportsLine Service was generally available
                  to end users on a commercial basis. Royalty Payments shall be
                  payable on a calendar quarterly basis in arrears no later than
                  the end of the month following the quarter with respect to
                  which Royalty Payments, concurrently with the statement
                  required by sub-section (d) below.

         (d)      Licensee shall keep complete and accurate separate records of
                  all paid subscriptions subject to Royalty Payments, in
                  sufficient detail to disclose the initial enrollment date and
                  current status of subscribers. The said records, and all
                  underlying documents and other documents relating to the
                  calculation of Royalties, shall be open to inspection by
                  Licensor or its designated

                                       2

                          PROPRIETARY AND CONFIDENTIAL
<PAGE>

                  representative at all reasonable times during business hours
                  up to four (4) times per Contract Year and shall be maintained
                  and preserved by Licensee with respect to each Contract Year
                  until two (2) years after the end of the applicable Contract
                  Year. Licensee agrees not to cause or permit any interference
                  with Licensor or Licensor's representative in the reasonable
                  performance of their duties of inspection and audit. The
                  exercise by Licensor in whole or in part, or at any time or
                  times of the right to audit records and accounts or of any
                  other right herein granted, the acceptance by Licensor of any
                  statement or statements or the receipt and deposit by Licensor
                  of any payment tendered by or on behalf of Licensee shall be
                  without prejudice to any rights or remedies of Licensor and
                  shall not stop or prevent Licensor from thereafter disputing
                  the accuracy of any such statement or payment. This clause (d)
                  shall survive the expiration or earlier termination of this
                  Agreement.

         (e)      No later than the end of the month  following each calendar
                  quarter, Licensee shall transmit to Licensor a complete and
                  accurate statement certified to be accurate by an officer of
                  Licensee, covering the immediately preceding calendar quarter.
                  Such report shall set forth the number of paid subscriptions
                  subject to Royalty Payments in effect during the preceding
                  quarter, and the applicable royalty pertaining thereto. In the
                  event that any inconsistencies or mistakes are discovered in
                  such statements or payments, they shall immediately be
                  rectified and the appropriate payment or deduction from future
                  payments shall be made. Upon demand by Licensor, Licensee
                  shall at Licensor's expense (such expense to be deducted from
                  royalties payable to Licensor hereunder), but no more than
                  once in any twelve (12) month period, furnish to Licensor a
                  detailed statement by an independent certified public
                  accountant computing amounts due to Licensor hereunder as of
                  the date of Licensor's demand. If the certified audit
                  discloses that royalties were understated by more than ten
                  percent (10%) per Contract Year, then Licensee shall pay for
                  such audit. This clause (e) shall survive the expiration or
                  earlier termination of this Agreement.

         (f)      If Licensee shall fail to make any payment or deliver any of
                  the required statements referred to above, or to give access
                  to the premises and/or records pursuant to the provisions
                  hereof to Licensor's authorized representatives for the
                  purposes permitted hereunder, same shall be and Event of
                  Default hereunder. This clause (f) shall survive the
                  expiration or earlier termination of this Agreement.

8.       Section 7 is hereby amended by adding the following at the end of the
         paragraph:

         "Notwithstanding the foregoing, Licensor shall not be employed by, act
         as consultant to, or provide any services to or for any SPLN
         Competitor. For purposes of this Agreement, "SPLN Competitor" shall
         mean shall mean any Internet, or other sports online services of:
         ESPN/ABC Sports/Walt Disney Company, Fox/Sky/Times, CNN/SI, Sports
         Illustrated, CNN/HN Sports, The Sporting News/Times Mirror Corp., NBC
         Sports, MSNBC, CNBC, MSG, Total Sports, Athlete Direct/Pro Sports
         Xchange/Broadband Sports, Quokka, STATS, Inc., Pangolin, The Mirror
         Group; any Internet or Web based fantasy game service (e.g., Sandbox
         Entertainment); and any online retailer (whether or not exclusively
         online) of sports-related merchandise selling substantially the same
         general line of merchandise or sports-related products as SPLN
         (including, but not limited to, ProTeam.com, Venator Group/FootLocker,
         Amazon.com, Nike.com, The Sports Authority, Fogdog/Sports Site and
         Copeland's Sports/Shopsports.com, Gear.com, Global Sports Interactive
         etc. (or any of their respective affiliates)."

9.       Section 17 is hereby amended by adding the following sub-section 17
         (f):

         Licensor acknowledges and agrees that damages related to a breach of
         this Agreement by Licensor will be difficult to ascertain with any
         degree of certainty. Therefore, notwithstanding any other rights
         Licensee may have with respect to Licensee's termination of this
         Agreement pursuant to this Section 17, in the event Licensee terminates
         this Agreement, Licensor shall forfeit all unvested options and
         immediately pay to licensee liquidated damages in the amount of one
         hundred thousand dollars ($100,000.00) as liquidated

                                       3

                          PROPRIETARY AND CONFIDENTIAL
<PAGE>

         damages, and the parties agree that such amount is based on a
         reasonable estimate of such damages as a result of non-performance.

10.      Section 24 is hereby stricken in its entirety and in lieu thereof
         substituted with the following:

         All notices or other communications hereunder shall be in writing and
         shall be deemed to be given or made when received (or upon refusal of
         delivery) by overnight courier, U.S. mail, registered or certified,
         first class, postage prepaid, or confirmed facsimile (with a copy via
         one of the aforementioned forms of delivery promptly thereafter) to the
         following address or addresses or such other address or addresses as
         either party may designate in writing to the other in accordance with
         this paragraph:
<TABLE>
<S>                  <C>                                  <C>                 <C>

If to Licensee:      SportsLine.com, Inc.                  With a copy to:    SportsLine.com, Inc.
                     6340 NW 5th Way                                          6340 NW 5th Way
                     Ft. Lauderdale, Florida 33309                            Ft. Lauderdale, Florida 33309
                     Attn: President                                          Attn: VP, Legal & Business Affairs
                     Facsimile:  (954) 351-9175                               Facsimile:  (954) 351-9175

If to Licensor:      Planned Licensing, Inc.                                  Carl R. Sloan, Esq.
                     c/o James C. Walsh, Esq.                                 Penzer and Sloan
                     7 Audubon Place                                          342 Madison Avenue
                     New Orleans, Louisiana 70118                             New York, New York 10173

</TABLE>

11.      This  Amendment  does not, and shall not be construed  to,  modify any
         term or condition of the Agreement other than those specific terms and
         conditions expressly referenced in this Amendment. Except as herein
         provided, the Agreement shall remain unchanged and in full force and
         effect. In the event of any inconsistency or discrepancy between the
         Agreement and this Amendment, the terms and conditions set forth in
         this Amendment shall control. Capitalized terms in this Amendment, not
         otherwise defined herein, shall have the meanings ascribed to them in
         the Agreement. This Amendment may be executed in multiple counterparts,
         each of which shall be deemed an original, but all of which together
         shall constitute one and the same document.

IN WITNESS WHEREOF, the parties hereto have executed this Amendment as of the
Amendment Date.

 PLANNED LICENSING, INC.                             SPORTSLINE.COM, INC.

By:/S/ James Walsh                                   By: /s/ Michael Levy
   -----------------------------------------             ----------------

Print Name:  James C. Walsh                          Print Name: Michael Levy

Title: President                                     Title:  President

 /s/ James C. Walsh
-------------------------------------
Name:  James C. Walsh, Individually

/s/ Joseph W. Namath
-------------------------------------
Name:  Joseph W. Namath, Individually

                                       4

                          PROPRIETARY AND CONFIDENTIALEMPLOYMENT AGREEMENT

THIS EMPLOYMENT AGREEMENT (the "Agreement"), made and entered into as of the 6th
day of January, 2000, by and between:

         (i)   Samuel A. Milne, an individual of Miami, Florida (the "Employee")
               and

         (ii)  21st Century Holding Company, a Florida corporation with offices
               and place of business in Plantation, Florida (the "Company") and

         (iii) FedFirst Bank, in organization in Plantation, Florida (the
               "Bank").

                     P R E L I M I N A R Y   S T A T E M E N T

WHEREAS, the Company is engaged in the banking and insurance business and
desires to employ Employee and to secure for the Company and the Bank the
benefit of Employee's experience, efforts and abilities in connection with the
business of the Company and the Bank, all as provided herein; and

WHEREAS, the Company has and will continue to expend substantial resources in
connection with the aforementioned endeavors; and

WHEREAS, the Company desires to engage Employee initially as Chief Financial
Officer ("CFO") of the Company, to perform such executive duties as a CFO of the
Company would normally perform or as otherwise specified in applicable
provisions of the by-laws of the Company in effect on the date of this
Agreement, and shall perform, in addition thereto, such other reasonable duties
as the Company may reasonably request;

WHEREAS, at such time as the Bank is chartered the Company desires that Employee
resign as Chief Financial Officer of the Holding Company, and desires to engage
Employee as Chief Executive Officer ("CEO") of the Bank, to perform such
executive duties as a CEO of the Bank would normally perform, and shall perform,
in addition thereto, such other reasonable duties as the Bank may reasonably
request;

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

1.       Employment.  Effective as of the date set forth above, the Company
employs Employee, and Employee hereby accepts employment by Company, and agrees
to serve the Company, upon the terms and conditions set forth in this Agreement.

2.       Term of  Employment.  The Employee shall be employed for a period of
two (2) years from the date set forth in Paragraph 1 herein (the period of
employment may be referred to as the "Term of Employment").

3.       (a) Duties of Employee as CFO of the Company.  So long as employed
hereunder as

                                       1

<PAGE>

          the CFO of the Company, Employee agrees to devote Employee's full
          business time and energy to the business and affairs of the Company,
          to perform Employee's duties hereunder effectively, diligently and to
          the best of Employee's ability and to use Employee's best efforts,
          skill and abilities to promote the Company's interests. Employee's
          duties shall include, but are not limited to, such executive duties as
          a Chief Financial Officer of the Company would normally perform or as
          otherwise specified in applicable provisions of the by-laws of the
          Company in effect on the date of this Agreement, and shall perform, in
          addition thereto, such other services as may be determined by the
          Company from time to time in the Company's reasonable discretion.

         (b) Duties of Employee as CEO of the Bank. Until such time as the Bank
         is chartered, Employee agrees to resign as CFO of the Company and serve
         as CEO of the Bank. So long as employed hereunder as the CEO of the
         Bank, Employee agrees to devote Employee's full business time and
         energy to the business and affairs of the Bank, to perform Employee's
         duties hereunder effectively, diligently and to the best of Employee's
         ability and to use Employee's best efforts, skill and abilities to
         promote the Company's interests. Employee's duties shall include, but
         are not limited to, such executive duties as a Chief Executive Officer
         of the Bank would normally perform, and shall perform, in addition
         thereto, such other services as may be determined by the Bank from time
         to time in the Bank's reasonable discretion.

 4.      Compensation.  For all services to be rendered by Employee to the
Company and the Bank during the Term of Employment, the Company agrees to
compensate Employee and Employee agrees to accept from the Company, the
following compensation:

         (a)      Base Salary. The Company agrees to pay Employee a minimum base
                  salary per week over a 52- week period payable biweekly in the
                  following amount:

                      TWO THOUSAND AND 00/100 DOLLARS    ($2,000.00)

         (b)      Bonus. The Company agrees to pay Employee a bonus based upon
                  the following bonus structure:

                  (1) Initial Bonus: Upon the execution of this Agreement,
                  Employee shall receive the option to purchase 20,000 shares of
                  stock of the Company at $10.00 per share pursuant to the 1998
                  Stock Option Plan (refer to attachment "21st Century Holding
                  Company 1998 Stock Option Plan) of 21st Century Holding
                  Company.

         (c)      Medical Insurance. In addition to the Employee's salary and
                  bonus, as set forth above, and so long as Employee is employed
                  by the Company, the Company agrees to provide and pay the
                  premium cost for medical insurance coverage for the Employee
                  commensurate with the coverage provided by the Company for
                  other similarly situated employees.

5.       Termination.  The Company may terminate employee's employment with the
Company if any of the following shall occur:

                                       2

<PAGE>

         (a)      Employee shall be discharged for "good cause" which shall mean
                  that:

                  (i)   there has been continued gross neglect on the part of
                  the Employee in the performance of Employee's duties under
                  this Agreement with notice and an opportunity to cure: or

                  (ii)  Employee shall have committed a material breach of any
                  term or condition of this Agreement; or

                  (iii) Employee is convicted of a felony or of any crime
                  involving moral turpitude which is committed by Employee
                  during the term of this Agreement.

                  (iv)  Employee continued to neglect Employee Handbook Policies
                  and Procedures.

         If Employee's employment by the Company shall be terminated as provided
in this Section 5 or if Employee voluntarily terminates Employee's employment by
the Company, the Employee shall be entitled to Employee's base weekly salary (as
provided in Section 4(a) above) prorated only through the date of the
termination of employment.

         (b)      Notwithstanding the provisions of paragraph (a), all parties
                  agree to the following:

                  (ii)  The Bank's Board of Directors may terminate the
                        Employee's  employment at anytime,  but any termination
                        by the Bank's board of Directors other than termination
                        for cause, shall not prejudice the Employee's right to
                        compensation or other benefits as agreed to under the
                        original employment agreement. The Employee shall have
                        no right to receive compensation or other benefits for
                        any period after termination for cause. Termination for
                        cause shall include termination due to the Employee's
                        personal dishonesty, incompetence, willful misconduct,
                        breach of fiduciary responsibility involving personal
                        profit, intentional failure to perform stated duties,
                        willful violation of any law, rule or regulation (other
                        than traffic violations or similar offenses) or final
                        cease and desist order, or material breach of any
                        provision on the contract.

                 (ii)   If the Employee is suspended and/or temporarily
                        prohibited from participating in the conduct of the
                        Bank's affairs by any notice served by any Federal
                        Regulatory Agency under Section 8 of the Federal Deposit
                        Insurance Act, the Bank's obligations under the contract
                        shall be suspended as of the date of service unless
                        stayed by appropriate proceedings. If the charges are
                        dismissed, the Bank may, in its discretion, pay the
                        Employee all or part of the withheld compensation while
                        its contractual obligations were suspended and reinstate
                        (in whole or in part) any of its obligations that were
                        suspended.

                 (iii)  If the Employee is removed and/or permanently prohibited
                        from participating in the conduct of the banks affairs
                        by an order issued by any Federal Regulatory Agency
                        under Section 8 of the Federal Deposit Insurance Act,
                        all obligations of the Bank under the contract shall
                        terminate as of the effective

                                       3

<PAGE>

                        date of the order. However, vested night of the
                        contracting parties shall not be affected.

                 (iv)   If the Bank is in default, (as defined in the Federal
                        Deposit Insurance Act), all obligations under the
                        contract shall terminate as of the date of default, but
                        this action shall not affect any of the vested rights of
                        the contracting parties:

                 (v)    All obligations under the contract shall be terminated,
                        except to the extent determined that continuation of the
                        contract is necessary of the continued operation of the
                        Bank by:

                                  o   The Director or his or her designee, at
                                      the time the Federal Deposit Insurance
                                      Corporation or Resolution Trust
                                      Corporation enters into an agreement to
                                      provide assistance to, or on behalf of the
                                      Bank under the authority contained in the
                                      Federal Deposit Insurance Act; or

                                  o   The Director or his or her designee, at
                                      the time the Director or his or her
                                      designee approves a supervisory merger to
                                      resolve problem related to operation of
                                      the Bank or when the Bank is determined by
                                      the Director to be in an unsafe or unsound
                                      condition.

    Any rights of the parties that have already vested, however, shall not be
affected by such action.

6.  Annual Review. All parties agree that upon chartering of the Bank, each year
the Bank's Board of Directors will review the performance and compensation
arrangements between the Bank and Employee, with such action documented in the
FedFirst board of directors' minutes.

7.  Salary Allocation. Upon Employee's resignation as CFO of the Company and
upon Employee's service as CEO of the Bank, the Bank agrees to reimburse the
Company for 50% of the payments made to Employee pursuant to the terms of this
Agreement, as partial compensation to the Company for Employee's services as a
full-time employee of the Bank.

8.  Confidentiality Agreement. The Employee recognizes, acknowledges and agrees
that the documents, lists, files, records, data and other information developed
and acquired by the Company, including all information developed and acquired by
the Employee in the course of Employee's employment with the Company as it may
exist from time to time, are considered confidential, and include, but are not
limited to, all information relating to the Company's projects, proposed
projects or applications (the "Confidential Information").

                                       4

<PAGE>

         (a)      Prohibited Acts. The Employee understands and agrees that all
                  such Confidential Information is to be preserved and
                  protected, is not to be disclosed or made available, directly
                  or indirectly, to third persons for purposes unrelated to the
                  objectives of the Company, without prior authorization of an
                  executive officer of the Company, and is not to be used,
                  directly or indirectly, for any purpose unrelated to the
                  objectives of the Company without prior written authorization
                  of an executive officer of the Company.

         (b)      Continuing Obligations. The Employee understands and agrees
                  that Employee's obligations under this Agreement, specifically
                  including the obligations to preserve and protect and not to
                  disclose (or make available to third persons) or use for
                  purposes unrelated to the objectives of the Company, without
                  prior written authorization of an executive officer of the
                  Company, Confidential Information, continue indefinitely and
                  do not, under any circumstances or for any reason
                  (specifically including wrongful discharge), cease upon
                  termination of employment; and that, in the event of
                  termination of the Employee's employment for any reason
                  (specifically including wrongful discharge), such Confidential
                  Information shall remain the sole property of the Company and
                  shall be left in its entirety in the undisputed possession and
                  control of the Company after such termination.

9. Enforcement of Covenants. In addition to all other remedies available at law
or in equity, the covenants contained in Sections 6 and 7 hereof shall be
enforceable by decree of specific performance and/or injunctive relief and shall
be construed as separate covenants covering competition in the geographical
territory set forth, and if any court shall finally determine that the
restraints provided for therein are too broad as to the area, activity or time
covered, then the area, activity or time covered, as the case may be, may be
reduced by such court to whatever extent the court deems reasonable and such
covenants shall be enforced as to such reduced area, activity or time.

10. Notices. All notices, demands and other communications which may or are
required to be given to or made by either party to the other in connection with
this Agreement shall be in writing, shall be given by hand delivery or by United
States Certified or Registered mail, return receipt requested, postage prepaid,
and shall be deemed to have been given or made when received by the addressee,
addressed to the respective parties as follows:

         If to Employee:                    SAMUEL A. MILNE
                                            15820 S.W. 77 Avenue
                                            Miami, Florida 33157
         If to Company
         Or the Bank:                       21ST CENTURY HOLDING COMPANY
                                            4161 N.W. 5th Street
                                            Plantation, Florida 33317
                                            Attn: Edward J. Lawson

11.      Miscellaneous:

         (a) This Agreement has been executed in and shall be governed and
construed in

                                       5

<PAGE>

accordance with the laws of the State of Florida.

         (b) Unless otherwise provided herein, all rights, powers, and
privileges conferred hereunder upon the parties shall be cumulative and not
restrictive of those given by law.

         (c) No failure of any party hereto to exercise any power given such
party hereunder or to insist upon strict compliance by the other party with its
obligations hereunder, and no customary practice of the parties at variance with
the terms hereof, shall constitute a waiver of a party's right to demand exact
compliance with the terms hereof.

         (d) Time is of the essence in complying with the terms, conditions and
provisions of this Agreement.

         (e) This Agreement contains the entire agreement of the parties hereto
pertaining to the subject matter hereof, and no representation, inducements,
promises or agreements between the parties not contained herein shall be of any
force or effect.

         (f) This Agreement is binding upon and shall inure to the benefit of
the Company, its successors and assigns, the Bank, its successors and assigns,
and the Employee and his respective heirs, personal representatives, successors
and assigns.

         (g) Any amendment to this Agreement shall not be binding upon the
parties to this Agreement unless such amendment is in writing and due executed
by all the parties hereto.

         (h) In the event any litigation or controversy arises out of or in
connection with this Agreement between the parties hereto, the prevailing party
in such litigation or controversy shall be entitled to recover from the other
party or parties all reasonable attorney's fees, expenses and suit costs,
including those associated with any appellate or post-judgment collection
proceeding.

                         [SIGNATURES ON FOLLOWING PAGE]

                                       6

<PAGE>

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed
as of the day, month and year first above written.

                                        --------------------------------
                                        SAMUEL A. MILNE
                                        (the "Employee")

                                        21ST CENTURY HOLDING COMPANY
                                        a Florida corporation

                                        By:------------------------------
                                        Name:    Edward J. Lawson
                                            -----------------------------
                                        Title:   President
                                              ---------------------------
                                        (the "Company")

                                        FIRSTFED BANK (IN ORGANIZATION)

                                        By:-----------------------------
                                        Name:---------------------------
                                        Title:--------------------------
                                        (the "Bank")

                                       7

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