Document:

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                                                                    EXHIBIT 10.4

                      NON-QUALIFIED STOCK OPTION AGREEMENT

         THIS NON-QUALIFIED STOCK OPTION AGREEMENT (this "Agreement") is made as
of the 21st day of August, 2000 (the "Date of Grant"), by and between Community
Financial Group, Inc., a Tennessee corporation ("Corporation"), and Attilio F.
Galli ("Participant").

         WHEREAS, Corporation has adopted its 1997 Nonstatutory Stock Option
Plan (the "Plan"); as amended, and

         WHEREAS, the committee chosen by Corporation to administer the Plan
(the "Committee") has determined that Participant is eligible to receive an
option to purchase shares of common stock of Corporation ("Stock") under a
non-qualified stock option and has determined that it is in the best interest of
Corporation to grant the stock option documented herein to Participant.

         NOW, THEREFORE, in consideration of the foregoing, of the mutual
promises hereinafter set forth and of other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties hereto do
hereby agree as follows:

         I. Grant of Option. Corporation hereby grants to Participant the right
to purchase twenty-five thousand (25,000) shares of Stock (the "Option Shares")
at a price of ($12.60) per Option Share (the "Option Price"), in accordance with
the terms of this Agreement and the Plan (the "Option"). The Committee,
exercising good faith, has determined that the Option Price is equal to at least
one hundred percent (100%) of the fair market value of a share of Stock on the
date hereof. The Option is not intended by the parties hereto to be, and shall
not be treated as, an incentive stock option (as such term is defined under
section 422 of the Internal Revenue Code of 1986 (the "Code")).

         II. Termination of Option.

             (i) Termination Date. The Option and all rights hereunder with
respect thereto, to the extent such rights shall not have been previously
exercised or otherwise terminated, shall terminate and become null and void on
August 21, 2010 at 5:00 P.M. (the "Termination Date"), subject to the
limitation that any Option may not be exercisable more than three (3) months
after Participant ceases to be an employee, director, or officer of
Corporation, except as set forth in Section II(ii), and only to the extent that
the Option would otherwise have been exercisable by Participant upon the date of
termination.

             (ii) Death or Disability. Upon Participant's death or disability
(within the meaning of Section 22(e)(3) of the Code), the Option may be
exercised, to the extent not previously exercised, by the Participant, the
Participant's legal representative, the legatees of the Option under
Participant's Will or the distributees of the Option under the applicable laws
of descent and

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distribution until the Termination Date, but only to the extent that the Option
would otherwise have been exercisable by Participant. At the time of
termination, the Committee may extend the exercise period for up to the earlier
of three (3) years after termination or the Termination Date.

         III. Vesting. Subject to such further limitations as are provided
herein, the Option shall vest and become exercisable in five (5) installments,
Participant having the right hereunder to purchase from Corporation the
following number of Option Shares upon exercise of the Option, on and after the
following dates, in cumulative fashion:

             (i) upon execution of this Agreement, up to one-fifth (ignoring
         fractional shares) of the total number of Option Shares;

             (ii) on and after the first anniversary of the Date of Grant, up to
         an additional one-fifth (ignoring fractional shares) of the total
         number of Option Shares;

             (iii) on and after the second anniversary of the Date of Grant, up
         to an additional one-fifth (ignoring fractional shares) of the total
         number of Option Shares;

             (iv) On and after the third anniversary of the Date of Grant, up to
         an additional one-fifth (ignoring fractional shares) of the total
         number of Option Shares; and

             (v) on and after the fourth anniversary of the Date of Grant, the
         remaining Option Shares.

Any portion of this Option that is not vested shall vest immediately upon any
one of the following events:

         a. the participant's death or disability (within the meaning of Section
22(e)(3) of the Code); or

         b. the closing of a transaction resulting in a majority change of
control of Corporation or The Bank of Nashville, including any merger, sale of
assets, transfer of stock, or any reorganization as defined in Section 368 of
the Code.

         IV. Exercise of Option. The Option, or any portion of the Option
eligible to be exercised by the Participant and not previously exercised, may be
exercised at any time or times prior to the termination of the Option pursuant
to the provisions hereof. The Option may be exercised only if compliance with
all Federal and state securities and banking laws can be effected and only by
(i) Participant's completion, execution and delivery to Corporation of a notice
of exercise and "investment letter" in the form attached hereto as Exhibit A,
and (ii) Participant's payment to Corporation of an amount or with a fair market
value (the average between the bid and asked price) equal to the sum of the
amount obtained by multiplying the Option Price by the number of Option Shares
being purchased plus any withholding tax required by law as determined by
Corporation. Payment shall be made by check payable to Corporation, shares of
Common

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Stock of the Corporation, or such other medium of payment as the Committee
shall approve. Additionally, the Participant may choose a "dry option" whereby
the Participant receives a number of shares of Stock equal to the fair market
value of the Stock times the number of shares exercisable under the Option
divided by the value of the Option. The value of the Option is the difference
between the fair market value of the shares and the Option Price multiplied by
the number of shares exercisable under the Option. Upon the exercise of the
Option by Participant, or as soon thereafter as is practicable, Corporation
shall issue and deliver to Participant a certificate or certificates evidencing
such number of Option Shares as Participant has so elected to purchase, but in
the event Participant has not made a cash payment sufficient to cover applicable
withholding taxes, the Corporation may retain sufficient stock to liquidate and
pay such taxes. Such certificate or certificates shall be registered in the name
of Participant, and shall bear any legend required by any Federal or state
securities law or agreement as Corporation shall determine.

         V. Transferability of Option. The Option may not be transferred,
assigned, pledged or hypothecated (whether by operation of law or otherwise),
except that the Option may be transferred upon the death of Participant as
provided by Participant's Will or the applicable laws of descent or
distribution. The Option shall not be subject to execution, attachment or
similar process. Any attempted assignment, transfer, pledge, hypothecation or
other disposition of the Option, or levy of attachment or similar process upon
the Option not specifically permitted herein shall be null and void and without
effect. Notwithstanding the provisions of this Section, Participant, at any
time prior to his death, may assign all or any portion of the Option to (i) his
spouse or lineal descendant, (ii) the trustee of a trust for the primary benefit
of his spouse and lineal descendant, (iii) a partnership of which his spouse and
lineal descendants are the only partners, or (iv) a tax exempt organization as
described in Section 501(c)(3) of the Code. Any such assignment will be
permitted only if (i) Participant does not receive any consideration therefore,
and (ii) the assignment is permitted by the Plan. Any such assignment shall be
evidenced by an appropriate written document executed by Participant, and a copy
thereof shall be delivered to Corporation prior to the effective date of the
assignment. Any permitted transferee will be entitled to all of the rights of
Participant with respect to the assigned portion of the Option, and such portion
of the Option will continue to be subject to all of the then existing terms,
conditions and restrictions applicable to the Option, as set forth herein and
in the Plan.

         VI. Adjustments. In the event of the declaration of any stock dividend
on the Stock or in the event of any reorganization, merger, consolidation,
acquisition, separation, recapitalization, split-up, combination or exchange of
shares of Stock, or like adjustment, the number of shares of Stock and the class
of shares of Stock available pursuant to the Option, and the Option Price, shall
be adjusted proportionately as determined by the Committee, whose determination
shall be conclusive. Notwithstanding the foregoing, in the event of such a
reorganization, merger, consolidation, acquisition, separation,
recapitalization, split-up, combination or exchange of shares of stock, or like
adjustment which results in substantially all the shares of the Stock of
Corporation being exchanged for, or converted into cash or other property, the
Committee or Corporation shall have the right to terminate the Option as of the
date of the exchange or conversion in which case

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the Option shall convert into the right to receive such cash or property net of
the Option Price of the Options.

         VII. Termination, Suspension or Amendment of Option. The Committee or
Corporation may at any time terminate, suspend or amend the Plan or this
Agreement.

         VIII. Postponement of Exercise. The Committee or Corporation may
postpone any exercise of the Option for such time as it may deem necessary in
order to permit Corporation (i) to obtain any required approvals of the exercise
from bank or bank holding company regulators, (ii) to effect, amend or maintain
any necessary registration of the Plan or the shares of Stock issuable upon the
exercise of the Option under the Securities Act of 1933, as amended (the "Act"),
or the securities laws of any applicable jurisdiction, (iii) to permit any
action to be taken in order to (A) list such shares of Stock on a stock exchange
if shares of Stock are then listed on such exchange or (B) comply with
restrictions or regulations incident to the maintenance of a public market for
its shares of Stock, including any rules or regulations of any stock exchange on
which the shares of Stock are listed, or (iv) to determine that such shares of
Stock and the Plan are exempt from such registration or that no action of the
kind referred to in (iii)(B) above needs to be taken; and Corporation shall not
be obligated by virtue of any terms and conditions of this Agreement or any
provision of the Plan to recognize the exercise of the Option or to sell or
issue shares of Stock in violation of the Act or any state's securities laws.
Any such postponement may, upon determination of Corporation, extend the terms
of the Option but neither Corporation nor its directors or officers or the
Committee shall have any obligation or liability to Participant or to any other
person with respect to any shares of Stock as to which the Option shall lapse
because of such postponement.

         IX. Participant's Rights. The granting of the Option shall impose no
obligation upon Participant to exercise such Option. Participant shall have no
equity interest in Corporation, nor shall Participant have any voting, dividend,
liquidation or dissolution rights with respect to any capital stock of
Corporation solely by reason of having the Option or having executed this
Agreement. Upon the issuance and delivery of a certificate for Option Shares
after exercise of the Option, Participant shall have the rights of a stockholder
with respect to such Option Shares and to receive all dividends or other
distributions paid or made with respect thereto. Nothing in this Agreement or
the Plan shall confer upon Participant the right to continue as an employee,
director, or officer or affect any right which Corporation may have to remove
such Participant as such.

         X. Elimination of Fractional Shares. If this Agreement requires a
computation of the number of shares of Stock subject to the Option, and the
number so computed is not a whole number of shares of Stock, such number of
shares of Stock shall be rounded down to the next whole number.

         XI. Incorporation of Plan by Reference. The Option is granted pursuant
to the terms of the Plan, a copy of which is attached hereto as Exhibit "B" and
the terms of which are incorporated herein by reference. The Option shall in all
respects be interpreted in accordance with the Plan. The Committee shall
interpret and construe the Plan and this Agreement, and its

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interpretations and determinations shall be conclusive and binding on the
parties hereto and any other person claiming an interest hereunder, with respect
to any issue arising hereunder or thereunder. The provisions of the Plan shall
control in the event of any inconsistencies between this Agreement and the Plan.

         XII. Reservation of Stock. Corporation covenants that while the Option
is exercisable, it will reserve from its authorized and unissued Common Stock a
sufficient number of shares to provide for the delivery of Stock pursuant to the
exercise of this Option.

         XIII. Entire Agreement. This Agreement sets forth all of the promises,
agreements, conditions, understandings, warranties and representations between
the parties hereto with respect to the Option and the Shares. This Agreement is
an integration of any and all prior agreements or understandings, oral or
written, with respect to the Option and the Shares.

         XIV. Notices. Any and all notices provided for herein shall be
sufficient if in writing, and sent by hand delivery or by certified or
registered mail (return receipt requested and first class postage prepaid), in
the case of Corporation, to its principal office, and, in the case of
Participant, to Participant's address as shown on Corporation's records.

         XV. Governing Law. This Agreement shall be construed and enforced in
accordance with the laws of the State of Tennessee.

         XVI. Modifications. Except as otherwise provided in Section V, VI and
VII herein, no change or modification of this Agreement shall be valid unless
the same is in writing and signed by the parties hereto.

         XVII. Successors. This Agreement shall be binding on all permitted
successors and assigns of Participant including any estate, executors or
administrators, trustees, or personal or legal representatives, and, in such
event all references herein to Participant shall, to the extent applicable, be
deemed to refer to and include such estate, executors or administrators,
trustees or personal or legal representatives, as the case may be.

         IN WITNESS WHEREOF, Corporation and Participant have executed this
Agreement as of the day and year first above written.

                                    COMMUNITY FINANCIAL GROUP, INC.

                                    By: /s/ J. Hunter Atkins
                                        ----------------------------------------
                                    Title: President & CEO
                                           -------------------------------------

                                    PARTICIPANT:

                                    /s/ Attilio F. Galli
                                    --------------------------------------------

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                                                                   EXHIBIT 10.18

                       SECOND AMENDMENT TO LEASE AGREEMENT

                              THE BANK OF NASHVILLE
                                   L & C TOWER
                              NASHVILLE, TENNESSEE
                                  JUNE 20, 2000

         This Second Amendment to the Lease Agreement ("Second Amendment") dated
and effective this 20th day of June, 2000 by and between The Bank of Nashville
("Tenant") and LC Tower, LLC, successor in interest to Metropolitan Life
Insurance Company ("Landlord") is hereby made a part thereof of the Lease
Agreement dated July 19, 1989 as amended by the Letter Agreement dated March 29,
1993 ("Lease") as amended by the First Amendment to Lease dated April 13, 1999
("First Amendment") by and between Landlord and Tenant.

         WHEREAS, Landlord and Tenant entered into the Lease and First Amendment
for certain premises located on the second, third, and twenty-third floor and
basement consisting of approximately 21,536 Square Feet Net Rentable Areas
("Premises") in the building commonly known as the L&C Tower located at 401
Church Street, Nashville, Tennessee 37219 ("Building"); and

         WHEREAS, Tenant desires to expand its Premises by an additional 11,143
Square Feet Net Rentable Area on the second floor ("Annex Premises") of the L&C
Tower Annex located at 159 Fourth Avenue North ("Annex") for a period of ten
(10) years commencing September 1, 2000 through August 31, 2010; and

         WHEREAS, Tenant desires to amend and extend its existing Lease Term for
the period on its Premises for a period of one (1) year from September 1, 2009
through August 31, 2010; and

         WHEREAS, Landlord is willing to amend and extend the Lease under
certain terms and conditions. Unless specifically defined herein, the terms used
in the Second Amendment to Lease will have the meanings defined in the Lease.

         NOW, THEREFORE, in consideration of the foregoing and the mutual
promises and covenants contained herein, and for other mutual benefits as noted
herein, the receipt and sufficiency of which are hereby acknowledged, LC Tower,
LLC, as Landlord and The Bank of Nashville, as Tenant wish to amend said Lease
as follows:

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The Bank of Nashville
Second Amendment to Lease
Page 2 of 11

1.       The second paragraph of Article 1. LEASED PREMISES of the Lease and
         Paragraph 1 of the First Amendment is amended effective September 1,
         2000 by deleting the existing language in its entirety and replacing
         with the following:

                  Space on the Lower, Second, Third, and Twenty-third floor
                  levels of the Building indicated as being part of the Leased
                  Premises on the Floor Plans attached hereto as Exhibit A,
                  which shall be deemed to contain a total of 21,536 square feet
                  of Net Rentable Area (SF NRA) consisting of 6,865 SF NRA on
                  the Second Floor ("Second Floor Premises"), 6,768 SF NRA on
                  the Third Floor ("Third Floor Premises"), 3,713 SF NRA on the
                  Lower Level/Basement ("Basement Premises") and effective
                  November 1, 1999 on the twenty-third floor 4,190 SF NRA
                  ("Twenty-third Floor Premises"). The Second Floor Premises,
                  Third Floor Premises and Twenty-third Floor Premises shall
                  collectively be referred to as "Tower Premises". Space on the
                  Second floor of the Annex indicated as being part of the
                  Leased Premises on the Floor Plans attached hereto as Exhibit
                  A, which shall be deemed to contain a total of 11,143 square
                  feet of Net Rentable Area (SF NRA). The Second Floor Annex
                  Premises shall be referred to as "Annex Premises".

                  The Tower Premises, Basement Premises and Annex Premises shall
                  collectively be referred to as "Premises" or "Leased
                  Premises".

2.       Article 2. TERM. of the Lease and Paragraph 2. TERM. of the First
         Amendment is amended and extended as follows:

                  EXTENDED TERM FOR TOWER PREMISES AND BASEMENT PREMISES. The
                  extension on the existing Lease Term shall be for one (1)
                  year, commencing on the 1st day of September, 2009 and ending
                  on the 31st day of August, 2010 for the Tower Premises and
                  Basement Premises unless sooner terminated or extended as
                  provided herein.

                  TERM FOR ANNEX PREMISES. The Annex Premises shall be for the
                  term of ten (10) years, commencing on the 1st day of
                  September, 2000 and ending on the 31st day of August, 2010,
                  unless sooner terminated or extended as provided herein.

                  The extended term for Tower Premises and Basement Premises and
                  the term for Annex Premises are hereinafter collectively
                  referred to as the "Leased Term" or "Term". No part of the
                  "leased term" or "term" may be separated or be treated
                  separately from any other part thereof.

3.       Article 45. BROKERAGE. of the Lease and Paragraph 4 of the First
         Amendment is deleted in its entirety and replaced with the following:

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The Bank of Nashville
Second Amendment to Lease
Page 3 of 11

                  Tenant represents and warrants that is has not entered into
                  any agreement with nor otherwise had any dealings with any
                  broker, agent or other person in connection with the
                  negotiation or execution of this transaction and that no
                  broker, agent or other person brought about this transaction
                  which could form the basis of any claim for a brokerage fee,
                  commission or other form of compensation of any kind or
                  nature, other than First Management Services, Inc. and Tenant
                  agrees to indemnify and hold Landlord harmless from and
                  against any claims (including attorneys fees, court costs and
                  expenses) by any other broker, agent or other person claiming
                  a commission or other form of compensation by virtue of having
                  dealt with Tenant with regard to this leasing transaction. The
                  provision of this paragraph shall survive the termination of
                  this Lease.

4.       Appendix A THE PREMISES of the Lease and Paragraph 6 of the First
         Amendment is amended effective September 1, 2000 by deleting the
         existing language and replacing with the following (see attached floor
         plans):

                  Basement Floor Premises of the L&C Tower
                           3,713 SF NRA
                           3% common area factor included

                  Second Floor Premises of the L&C Tower
                           6,865 SF NRA
                           3% common area factor included

                  Third Floor Premises of the L&C Tower
                           6,768 SF NRA
                           3% common area factor included

                  Twenty-third Floor Premises of the L&C Tower
                           4,190 SF NRA
                           12.5% common area factor included

                  Second Floor Annex Premises of the L&C Tower Annex
                           11,143 SF NRA
                           3% common area factor included

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The Bank of Nashville
Second Amendment to Lease
Page 4 of 11

5.       Appendix B-1 RATE SCHEDULE of the Lease and Paragraph 7 of the First
         Amendment is amended to provide for the base rent beginning September
         1, 1999 on the Tower and Basement Premises and September 1, 2000 for
         the Annex Premises:

<TABLE>
<CAPTION>
                         2nd Floor     3rd Floor       23rd Floor   Basement        Annex
                         Premises       Premises       Premises     Premises       Premises
                         --------       --------       --------     --------       --------
<S>                     <C>            <C>            <C>           <C>           <C>
09/01/99 - 08/31/00     $17.40/RSF     $15.00/RSF     $13.50/RSF*   $7.00/RSF
09/01/00 - 08/31/01     $17.75/RSF     $15.30/RSF     $13.77/RSF    $7.00/RSF     $15.30/RSF**
09/01/01 - 08/31/02     $18.10/RSF     $15.61/RSF     $14.05/RSF    $7.00/RSF     $15.61/RSF
09/01/02 - 08/31/03     $18.47/RSF     $15.92/RSF     $14.33/RSF    $7.00/RSF     $15.92/RSF
09/01/03 - 08/31/04     $18.83/RSF     $16.24/RSF     $14.61/RSF    $7.00/RSF     $16.24/RSF
09/01/04 - 08/31/05     $19.21/RSF     $16.56/RSF     $14.91/RSF    $7.00/RSF     $16.56/RSF
09/01/05 - 08/31/06     $19.60/RSF     $16.89/RSF     $15.20/RSF    $7.00/RSF     $16.89/RSF
09/01/06 - 08/31/07     $19.99/RSF     $17.23/RSF     $15.51/RSF    $7.00/RSF     $17.23/RSF
09/01/07 - 08/31/08     $20.39/RSF     $17.57/RSF     $15.82/RSF    $7.00/RSF     $17.57/RSF
09/01/08 - 08/31/09     $20.79/RSF     $17.93/RSF     $16.13/RSF    $7.00/RSF     $17.93/RSF
09/01/09 - 08/31/10     $21.21/RSF     $18.29/RSF     $16.45/RSF    $7.00/RSF     $18.29/RSF
</TABLE>

* The Twenty-third Floor Premises' rent commencing November 1, 1999 shall
increase to the next Lease Year's rate on September 1 of each subsequent Lease
Year.

** Rent for the Annex Premises shall be abated for the period September 1-30,
2000.

6.       Appendix C OPTIONS of the Lease and Paragraph 9 OPTION TO RENEW of the
         First Amendment is amended effective September 1, 2000 by deleting the
         existing language for Option to Extend, Option to Expand, Right of
         First Refusal, and Basement Vault and Anteroom in its entirety and
         replacing with the following OPTION TO RENEW:

                  Provided Tenant is not in default on the date notice is given
                  and at expiration of the term, Tenant shall have the right to
                  extend the term for three (3) five-year renewal options for
                  the Premises at a rate which shall be mutually determined by
                  Landlord and Tenant as follows: If Tenant desires to exercise
                  its Option to Renew, it shall notify Landlord no later than
                  twelve (12) months prior to the expiration of the then current
                  Term. Within one (1) month after such notification, Landlord
                  shall notify Tenant of its determination of the current rate,
                  which will include the Base Rent. If Tenant agrees with such
                  determination, it shall so notify Landlord. If Tenant does not
                  agree, then during the thirty (30) day period following
                  Landlord's notice to Tenant of the rate, Landlord and Tenant
                  shall negotiate to determine a mutually acceptable rate. If
                  such parties are unable to reach agreement as to such rate
                  within said thirty (30) day period, this renewal option will
                  be of no force or effect and the Lease will

<PAGE>   5

The Bank of Nashville
Second Amendment to Lease
Page 5 of 11

                  terminate. If the parties do reach agreement as to such rate
                  within said period, then the Term shall be extended for the
                  appropriate period, upon the same terms and conditions set
                  forth in the Lease, except that the Base Rent shall be as
                  mutually determined and except that there shall be no Tenant
                  Improvement Allowance (unless such items are agreed to by
                  Landlord and Tenant).

7.       RELOCATION OPTION FOR ANNEX PREMISES. Landlord shall have the right to
         substitute for the Annex Premises other premises (herein referred to as
         the "new premises") at the Property provided: (i) the new premises
         shall be contiguous to the Tower Premises, (ii) Landlord shall give
         Tenant at least thirty (30) days' written notice before making such
         substitution, and the parties shall execute an amendment to the Lease
         confirming the substitution within thirty (30) days after either party
         shall request the same: and (iii) if Tenant is already occupying the
         Annex Premises, then upon completion of the Relocation (as hereinafter
         defined), Landlord shall pay the direct, out-of-pocket, reasonable
         expenses of Tenant in moving from the Annex Premises to the new
         premises and improving the new premises so that they are substantially
         similar to the Annex Premises, and, (b) such move shall be made during
         evenings, weekends, or otherwise so as to incur the least inconvenience
         to Tenant. As used herein, "Relocation" means that Tenant has vacated
         the Annex Premises and has taken possession of the new premises. In the
         event Tenant refuses to effectuate the Relocation in accordance with
         this Paragraph 7, then, in that event, in addition to other remedies
         available to Landlord in law or equity or under the terms of this
         Lease, Landlord shall have the right to cancel and terminate this Lease
         effective thirty (30) days after the date of the original notification
         by Landlord. Upon Relocation, the term "Annex Premises" as used in this
         Lease, shall mean the new premises. The parties, within thirty (30)
         days after the Relocation, shall execute an amendment of this Lease
         confirming the substitution and any other changes to the terms of this
         Lease occasioned by this Paragraph 7.

8.       Exhibit A of the Lease and Paragraph 17 of the First Amendment is
         amended by adding the floor plan for the Second Floor Annex Premises.

9.       Exhibit B of the Lease and referenced meeting notes from the original
         construction and Paragraph 19 of the First Amendment are amended
         effective September 1, 2000 by deleting the existing language in its
         entirety and replacing with the following Work Letter:

                  WORK LETTER.

                  A.       Initial Plan. Tenant will perform certain leasehold
         improvement work in the Annex Premises in substantial accordance with
         the plans to be prepared by Infrastructure, Inc. (collectively "Initial
         Plan"), a copy of which shall be attached as Schedule 1. Such work, as
         shown in the Initial Plan and as more fully detailed in the Working
         Drawings (as defined and described in Paragraph B

<PAGE>   6

The Bank of Nashville
Second Amendment to Lease
Page 6 of 11

         below), shall be hereinafter referred to as the "Work". All plans,
         drawings, specifications and other details describing the Work which
         have been or are hereafter furnished by or on behalf of Tenant shall be
         subject to Landlord's approval, which Landlord agrees shall not be
         unreasonably withheld, delayed or conditioned. Landlord shall not be
         deemed to have acted unreasonably if it withholds its approval of any
         plans, specifications, drawings, or other details or of any Additional
         Work (as defined in Paragraph E below) because, in Landlord's
         reasonable opinion, the Work, as described in any such item, or the
         Additional Work, as the case may be: (a) is likely to adversely affect
         the Building systems, the structure of the Building or the safety of
         the Building and/or its occupants; (b) might impair Landlord's ability
         to furnish services to Tenant or other tenants in the building; (c)
         would increase the cost of operating the building; (d) would violate
         any governmental laws, rules or ordinances (or interpretations
         thereof); (e) contains or uses hazardous or toxic materials or
         substances; (f) would adversely affect the appearance of the building;
         (g) might adversely affect another tenant's premises; (h) is prohibited
         by any ground lease affecting the Building or any mortgage, trust deed
         or other instrument encumbering the Building; or (i) is likely to be
         substantially delayed because of unavailability of shortage of labor or
         materials necessary to perform such work or the difficulties or unusual
         nature of such work. The foregoing reasons, however, shall not be the
         only reasons for which Landlord may withhold its approval, whether or
         not such other reasons are similar or dissimilar to the foregoing.
         Neither the approval by Landlord of the Work or the Initial Plan or any
         other plans, drawings, specifications or other items associated with
         the Work nor Landlord's monitoring of the Work shall constitute any
         warranty by Landlord to Tenant of the adequacy of the design for
         Tenant's intended use of the Premises.

                  B.       Working Drawings; performance of the Work.

                           (1) If not included as part of the Initial Plan
                  attached hereto, Tenant shall prepare or cause to be prepared
                  final working drawings and specifications for the Work (the
                  "Working Drawings") based on and consistent with the Initial
                  Plan and the other plans, drawings, specifications, finish
                  details and other information furnished by Tenant to Landlord
                  and approved by Landlord pursuant to Paragraph A above. The
                  Working Drawings shall incorporate final mechanical,
                  electrical and plumbing plans, and shall include a final
                  telephone layout and special electrical connections, if any.
                  So long as the Working Drawings are consistent with the
                  Initial Plan, Landlord shall approve the Working Drawings
                  within five (5) days after receipt of same from Tenant by
                  initialing and returning to Tenant each sheet of the Working
                  Drawings or by executing Landlord's approval form then in use,
                  whichever method of approval Landlord may designate.

                           (2) The parties acknowledge that Landlord is not an
                  architect or engineer, and that the Work will be designed and
                  performed by independent

<PAGE>   7

The Bank of Nashville
Second Amendment to Lease
Page 7 of 11

                  architects, engineers and contractors, selected by Tenant,
                  subject to Landlord's prior written approval. Accordingly,
                  Landlord shall have no liability to Tenant under the Lease for
                  any errors or omissions in the Initial Plan and the Working
                  Drawings and for any defects in the Work. In the event of such
                  errors, omissions, or defects, Landlord shall cooperate in any
                  action Tenant desires to bring any architects, engineers or
                  contractors.

                           (3) Upon Landlord's approval, Tenant shall promptly
                  commence with the construction of the Work and thereafter
                  diligently prosecute the same to completion. All Work shall be
                  in full compliance with the Americans with Disabilities Act
                  and with any and all applicable local building codes and
                  regulations. Except as may be otherwise provided in the
                  Initial Plan or Working Drawings, the Work will be performed
                  using materials, quantities and procedures which are then
                  generally in use by Landlord as building standards, or better.

                           (4) Notwithstanding any other provision of this Work
                  Letter, Landlord and Tenant agree as follows:

                               (a) Tenant's contractors must perform in
                           such a manner as to not cause or permit to be caused
                           a material default or breach of any term, condition,
                           rule or regulation of the Lease or this Work Letter
                           by Tenant.

                               (b) Tenant and Tenant's contractors shall
                           maintain at all times during the construction for the
                           Work and for the benefit of Landlord, its officers
                           and employees, such insurance as Landlord may
                           reasonably require, including, without limitation,
                           such hazard, builder's risk, worker's compensation
                           and other similar insurance as is required under the
                           laws of the State of Tennessee or any political
                           subdivision thereof.

                                (c) Tenant shall deliver or cause to be
                           delivered to Landlord prior to the commencement of
                           construction of any of the Work, (i) certificates of
                           such insurance as is required hereunder and such
                           certificates shall name Landlord as an additional
                           insured and contain provisions that the policies
                           shall not be cancelled without thirty (30) days prior
                           written notice to Landlord: (ii) evidence that any
                           and all governmental permits and licenses required
                           for the construction of the Work have been duly
                           secured and remain in full force and effect; and
                           (iii) such other similar assurances which Landlord
                           may reasonably require from time to time.

                                (d) To the extent that Tenant pays directly,
                           or causes to be paid, any contractors, supplier or
                           materialmen, Landlord may from time to time require
                           from evidence of payment to all such parties during
                           the course of construction of the Work and at the

<PAGE>   8

The Bank of Nashville
Second Amendment to Lease
Page 8 of 11

                           completion, Tenant shall deliver to Landlord a waiver
                           of or release of liens signed by all contractors,
                           suppliers, or materialmen.

                           (5) During the construction period, Landlord shall
                  have the right, but not the obligation to inspect the
                  Premises, and all improvements made to the Premises comprising
                  the Work to reasonably determine whether the Work is
                  satisfactory. If any Work does not comply with the Working
                  Drawings, Landlord shall, within twenty-four (24) hours of
                  Landlord's inspection, notify Tenant in writing of such
                  noncompliance, including the specifics thereof, whereupon
                  Landlord may require non-complying portions of the Work to be
                  removed and reconstructed to so comply. No such inspection by
                  Landlord, or failure to inspect by Landlord, shall make
                  Landlord liable in any manner to Tenant under the Lease for
                  any defects, errors or omissions in connection with the Work
                  or any errors or omissions in the Initial Plan or Working
                  Drawings.

                  C.       Landlord's Contribution. "Cost of the Work" means all
         costs and expenses of the Work, including, without limitation, (i) the
         cost of the Initial Plan and Working Drawings, (ii) the cost of all
         labor (including overtime) and materials constituting the Work, (iii)
         general conditions (including rubbish removal, hoisting permits,
         temporary facilities, safety and protection, cleaning, tools,
         blueprints and reproduction, telephone, temporary power, filed
         supervision and the like); (iv) the cost of premiums for worker's
         compensation, public liability, casualty and other insurance charged by
         contractors; (v) contractors' charges for overhead and fees; and (vi)
         architectural and engineering fees.

                           (1) Provided that Tenant has satisfied the
                  requirements set forth above and below and is not in default
                  under the Lease or the Workletter, Landlord shall make a
                  contribution, on the terms hereinafter set forth, equal to One
                  Hundred Twenty-nine Thousand Eight Hundred Forty and 60/100
                  Dollars ($129,840.60) (based upon $11.65 per square foot of
                  rentable area of the Annex Premises (the "Landlord's
                  Contribution")) toward the Cost of the Work under the
                  Workletter. Subject to the limitations hereinafter set forth,
                  Landlord's contribution shall also be applied towards Tenant's
                  cost for architectural design and mechanical drawings.
                  Landlord shall not be liable for more than the Landlord's
                  Contribution. Any amount of the tenant allowance not utilized
                  by the Tenant in the improvement of the Annex Premises shall
                  be applied to base rent.

                           (2) Landlord shall make periodic progress payments
                  (usually monthly) of the Landlord's Contribution toward the
                  Cost of the Work as work progresses under the Workletter,
                  within thirty (30) days after presentation by Tenant to
                  Landlord of invoices for the Cost of the Work and

<PAGE>   9

The Bank of Nashville
Second Amendment to Lease
Page 9 of 11

                  duly executed waivers of liens from all contractors,
                  subcontractors and materialmen furnishing labor, equipment or
                  materials for the performance of the Work.

                           (3) After payment of any amounts toward the Cost of
                  the Work under the Workletter, Landlord may pay the Landlord's
                  Contribution to Tenant, or Landlord may, in its discretion,
                  make or cause to be made (through the construction escrow or
                  otherwise) payment directly to Tenant's contractors or vendors
                  or jointly with Tenant, in progress payments as described
                  above. Landlord may use the Landlord's Contribution to
                  reimburse or pay itself amounts owed by Tenant pursuant to the
                  provisions of the Workletter.

                           (4) Notwithstanding any other provision of this
                  Lease, the payment of the Landlord's Contribution shall be
                  subject to Landlord's right to set-off.

         D.       Lease Provisions. The terms and provisions of the Lease,
         insofar as they are applicable to this Workletter, are hereby
         incorporated herein by reference.

         E.       Miscellaneous.

                           (1) Except as herein expressly set forth in the Work
                  Letter or in the Lease, Landlord has no agreement with Tenant
                  and has no obligation to do any other work with respect to the
                  Premises except that Landlord shall at its cost:

                               (a) rekey four locks to the Banks' master key in
                                   the Annex Premises,

                               (b) provide up to ten (10) lines on the Annex
                                   Lobby Directory,

                               (c) make the following improvements to the Annex
                                   Premises unisex ADA restroom: (i) mirror to
                                   be compliant, bottom edge to be maximum of
                                   40", (ii) install faucet paddles in lieu of
                                   handles, (iii) install lever-type door
                                   hardware, (iv) adjust existing closure to
                                   acceptable standards, (v) rim of lavatory to
                                   be maximum height of 34", and (vi) top of
                                   toilet seat to be between 17" and 19",

                               (d) Construct a 4'8" opening between the existing
                                   Bank mezzanine area and the Annex Premises,
                                   and

                               (e) Remove circular stair between the first and
                                   second floor of the Annex Building.

                           Any additional work or alterations to the Premises
                  desired by Tenant after the Commencement Date shall be subject
                  to the provisions of

<PAGE>   10

The Bank of Nashville
Second Amendment to Lease
Page 10 of 11

                  the Lease. This Work Letter sets forth the entire agreement of
                  Tenant and Landlord regarding the Work.

                           (2) If final working drawings and specifications are
                  included as part of the Initial Plan attached hereto, then
                  whenever the term "Working Drawings" is used in this Agreement
                  such term shall be deemed to refer to the Initial Plan and all
                  supplemental plans and specifications approved by Landlord.

                           (3) If the Initial Plan or Working Drawings for the
                  Work require the construction and installation of more fire
                  hose cabinets, telephone closets, or electrical closets than
                  the number regularly provided Landlord in the core of the
                  Building, then Tenant will pay to Landlord all costs and
                  expenses incurred by Landlord for the construction and
                  installation of such additional fire hose cabinets, telephone
                  closets, or electrical closets.

                           (4) Landlord or Landlord's beneficiary is entitled to
                  all available investment tax credits, if any, for Work paid
                  for and property acquired by Landlord pursuant to the Lease
                  and this Work Letter. Nothing in the Lease or this Work Letter
                  shall be construed as agreement by Landlord to pass any
                  investment tax credits through to Tenant.

                           (5) Time is of the essence of this Work Letter.

                           (6) Tenant's failure to pay when due any amounts owed
                  by Tenant under this Work Letter, or Tenant's failure to
                  perform any other obligation of Tenant under this Work Letter,
                  will constitute a default by Tenant under the Lease, and
                  Landlord will have all the rights and remedies granted to
                  Landlord under the Lease for failure by Tenant to perform its
                  obligations under the Lease. Landlord's failure to pay when
                  due any amounts owed by Landlord under this Work Letter, or
                  Landlord's failure to perform any other obligation of Landlord
                  under this Work Letter, will constitute a default by Landlord
                  under the Lease, and Tenant will have all the rights and
                  remedies granted to Tenant under the Lease for failure by
                  Landlord to perform its obligations under the Lease.

                           (7) All words and phrases in this Work Letter have
                  the same meanings given to them in the Lease, unless otherwise
                  specifically stated in this Work Letter.

                           (8) All representations, warranties, covenants, and
                  conditions contained in this Work Letter shall survive the
                  completion of the Work

<PAGE>   11

The Bank of Nashville
Second Amendment to Lease
Page 11 of 11

                  and the payment by Landlord of the Cost of Work and Landlord's
                  Contribution.

All other terms and conditions in the Lease dated July 19, 1989 and the Letter
Agreement dated March 29, 1993 and the First Amendment dated April 13, 1999 not
amended by this Second Amendment shall remain in full force and effect and
shall apply to the Premises.

IN WITNESS WHEREOF, the parties hereto, have executed this Agreement in
triplicate on the date and year first above written.

WITNESS:                            LANDLORD:

                                    LC TOWER, L.L.C.
                                    a Delaware limited liability company

                                    By: PERIDOT, INC. Manager

                                    By: /s/
----------------------------------      ----------------------------------------
                                        Vice President

WITNESS:                            TENANT:

                                    THE BANK OF NASHVILLE

/s/ Joan B. Marshall                By: /s/ Mack S. Linebaugh, Jr.
----------------------------------      ----------------------------------------
Joan B. Marshall                        Mack S. Linebaugh, Jr.
Senior Vice President                   Chairman

<PAGE>   12
                                 EXHIBIT "A-1"

                               BANK OF NASHVILLE
                               3605 USF

BASEMENT LEVEL

L & C Tower
--------------
1 MARCH 1993
<PAGE>   13
                                 EXHIBIT "A-2"

                               BANK OF NASHVILLE
                               6665 USF

2nd FLOOR

L & C Tower
--------------
1 MARCH 1993
<PAGE>   14
                                 EXHIBIT "A-3"

                               BANK OF NASHVILLE
                                        4643 USF

3rd FLOOR

L & C Tower
--------------
1 MARCH 1993
<PAGE>   15
                                 EXHIBIT "A-4"

                               BANK OF NASHVILLE

23RD FLOOR PLAN

<PAGE>   16
                                 EXHIBIT "A-5"

2nd FLOOR

Chamber of Commerce Building
----------------------------
1 MARCH 1993

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