Document:

STATE OF NORTH CAROLINA
COUNTY OF WAYNE

TENTH AMENDMENT TO NONCOMPETITION AND CONSULTING
AGREEMENT

     THIS TENTH AMENDMENT TO  NONCOMPETITION  AND CONSULTING  AGREEMENT  "(Tenth
Amendment"),  made and entered into as of the 31st day of December, 1999, by and
between SOUTHERN BANK AND TRUST COMPANY,  A North Carolina  banking  corporation
with its  principal  place of  business  in Mount  Olive,  Wayne  County,  North
Carolina  (hereinafter  referred to as  "Southern")  and Robert S.  Williams,  a
resident  of  Wayne  County,   North  Carolina   (hereinafter   referred  to  as
"Consultant");

                               W I T N E S E T H:

     WHEREAS, by a Noncompetition and Consulting Agreement and Release, made and
entered  into as of the 31st day of December,  1989,  by and between the parties
hereto (the  "Agreement"),  Southern  agreed to pay to Consultant  $3,033.33 per
month for a  noncompetition  arrangement  and $300.00 per month for his advisory
and consulting services, as well as various other benefits and compensation, and
to make available to Consultant office space,  secretarial  assistance and other
equipment and facilities,  plus  reimbursement  for his  out-of-pocket  expenses
incurred in carrying out his consulting  obligations  pursuant to the Agreement,
which  Agreement was to be effective  from January 1, 1990 through  December 31,
1990 and which was subsequently  extended on the 28th day of December 1990 for a
term of one (1) year or until  December  31,  1991;  and which was  subsequently
extended  on the  31st day of  December  1991 for a term of one (1) year and has
been  extended  on December  31 of each year  thereafter  for a term of one year
through December 31, 1999.:

     WHEREAS,  Southern and  Consultant  desire to extend the  Agreement  for an
additional  calendar year, now enter into this Tenth Amendment to evidence their
understanding of said extension and amendment.

     NOW, THEREFORE, for and in consideration of the mutual promises between the
parties  made and  other  good and  valuable  considerations,  the  receipt  and
sufficiency  of which are hereby  acknowledged,  the parties  hereby do agree as
follows:

     1. The  Agreement  made and  entered  into as of the 31st day of  December,
1989, by and between  Southern and Consultant,  is hereby amended to continue in
effect for an additional  term of one year, to be effective from January 1, 2000
through December 31, 2000.

     2.  Paragraph 5 of the  Agreement,  "Covenant  Not To  Compete,"  is hereby
amended to provide that the monthly  consideration  for such  Covenant  shall be
reduced  to  $1,116.67,  with the  first  such  payment  to be made on or before
January 30, 1999, and each successive  monthly payment  thereafter to be made on
or before the 30th day of each month through and including December 31, 2000.

     3. All of the other terms and conditions of said Agreement  shall remain in
full force and effect.
<PAGE>
     IN  TESTIMONY  WHEREOF,  Southern  has caused  this tenth  Amendment  to be
executed in its corporate name by its  President,  attested by its Secretary and
its corporate seal to be hereto affixed,  all within the authority duly given by
its Board of Directors,  and Consultant has hereunto set his hand and adopted as
his seal the typewritten  word "SEAL"  appearing  beside his name, all as of the
day and year first above written.

                                          SOUTHERN BANK AND TRUST COMPANY

                                          By   /s/John C. Pegram
                                               -----------------------------
                                               John C. Pegram, President
Attest:

/s/ David A. Bean
-----------------------
David A. Bean, Secretary

                                               /s/ Robert S. Williams (SEAL)
                                               ----------------------------
                                               Robert S. WilliamsCOMMERCIAL LEASE
                                ----------------

         THIS INDENTURE WITNESSETH, that MERVIN D. LUNG of St. Joseph County,
Indiana, hereinafter referred to as "LESSOR", leases to PATRICK INDUSTRIES,
INC., an Indiana Corporation with principal offices in Elkhart County, Indiana,
hereinafter referred to as "LESSEE", for and in consideration of the covenants
and agreements hereinafter mentioned, that real estate located in McLennan
County, Texas, and more particularly described on Exhibit "A" attached hereto
and made a part hereof, to have and to hold unto the Lessee from October 1,
1999, to and including September 30, 2004, and the Lessee in consideration of
said grant does hereby covenant and agree with the Lessor as follows:

         1)   That Lessee represents it will use said premises for
              manufacturing, warehousing, and office purposes only, all in
              conformity with applicable ordinances, laws, and regulations.

         2)   Lessee will pay, as rent for said premises, to the Lessor at such
              place as the Lessor from time to time hereafter may designate in
              writing, in equal monthly installments of Twenty Five Thousand
              Twenty-nine Dollars ($25,029.00) each commencing on the 1st day of
              October, 1999, and on the first day of each succeeding consecutive
              month thereafter during the first year of this lease to and
              including the 1st day of September, 2000. It is mutually agreed by
              the parties that the Lessor shall have the option to increase the
              monthly rental at each one year anniversary date of this Lease
              term, by a factor no greater than the percentage increase from the
              applicable prior year in the "Consumer Price Index - All Urban
              Consumers" as published by the "Bureau of Labor Statistics" or a
              comparable index if the aforementioned one is not available. If
              said option is exercised and the applicable monthly rental is
              increased, said increase shall continue in effect until further
              modified by the terms of this paragraph of this Commercial Lease.

                  Lessee shall further pay as additional rent the following:

                  A.  Real estate taxes levied and/or assessed against the
                      leased premises by the State of Texas and/or any political
                      subdivision thereof commencing with the first installment
                      of said taxes payable after October 1, 1999, and ending
                      with the last installment of taxes payable prior to
                      September 30, 2004. In the event that there would be any
                      arrearage in real estate taxes, levied and/or assessed
                      against the Leased premises by

<PAGE>

                      the State of Texas, for any period of time prior to this
                      Lease term, by the terms of a predecessor Commercial
                      Lease, Lessee shall be responsible for said taxes.

                  B.  Insurance premiums for fire, extended coverage and hazard
                      insurance on the improvements located on the leases
                      premises when and as the same fall due during the term
                      commencing on the effective date of this Lease, said
                      insurance to be in the amounts and with the limits of
                      liability as hereinafter stated.

         3)   Lessee has examined and knows the condition of said premises and
              has received the same in good order and repair, except as herein
              otherwise specified on Exhibit "B" attached hereto and made a part
              thereof and that no representations as to the condition of repair
              thereof have been made by the Lessor or his representative, prior
              to or at the execution of this Lease that are not herein expressed
              or endorsed hereon and that Lessee will keep the interior and
              exterior of said premises in good repair, including the roof,
              walls, overhead door systems, passage doors and windows, replacing
              all broken glass with glass of the same size and quality as that
              broken, and will keep said premises and appurtenances, as well as
              all eaves, downspouting, catch basins, drains stools, lavatories,
              sidewalks, adjoining alleys and all other facilities and equipment
              in connection with said premises, in a clean and healthy
              condition, according to the city ordinances, and the direction of
              the proper public officers, during the term of this Lease in any
              way, will yield up said premises to Lessor in good condition and
              repair (loss by fire and ordinary wear excepted) and will deliver
              the keys to Lessor.

         4)   Lessor shall not be liable for damages caused by failure to keep
              said premises in repair and shall not be liable for any damage
              done or occasioned by or from plumbing, gas, water, steam or other
              pipes, or sewage, or the bursting or leaking of plumbing or
              heating fixtures or waste or soil pipe existing in connection with
              said building or premises, nor for damage occasioned by water,
              snow or ice being upon said sidewalks or coming through the roof,
              skylight, trap door or otherwise, nor for any damages arising from
              negligence of co-tenants or other occupants of the same building,
              or the agents, employees or servants of any of them, or of any
              owners or occupants of adjacent or contiguous property.

<PAGE>

         5)   Lessor shall not be liable for any injury to the Lessee or any
              other person, occurring on, adjacent to or in front of said
              premises, irrespective of whether said injury is caused by a
              defect in said premises or by reason of said premises becoming out
              of repair or arising from another cause whatsoever, and the Lessor
              shall not be liable for damage to Lessee's property or to the
              property of any other person which may be located in or upon said
              premises and the Lessee agrees to indemnify and save harmless the
              Lessor from any and all claims arising out of injuries to persons
              or property occurring on or about said premises.

              During the term of this Lease the Lessee shall maintain at its
              expense, for the benefit of Lessor and Lessee and naming both
              Lessor and Lessee as insured parties, liability insurance with
              limits of not less than Five Million Dollars ($5,000,000.00) per
              injury or occurrence and Two Million Dollars ($2,000,000.00)
              property damage. Lessee shall deliver from time to time during the
              term of this Lease to Lessor evidence of the existence of such
              liability insurance.

         6)   Lessee shall further maintain at its sole expense for the benefit
              of Lessor during the entire term of this Lease fire, extended
              coverage and hazard insurance on the improvements now located on
              the leased premises in an amount equal to the insurable
              replacement cost of said premises. It is agreed by and between the
              parties hereto that the present improvements located on the leased
              premises have an initial insurable replacement value in the sum of
              ________________ Dollars ($_________________). Lessee shall
              further deliver to Lessor certificates of insurance issued by the
              insuror of said improvement and from time to time when as the
              premiums on said insurance become due and payable shall further
              provide Lessor with evidence of the payment of said premiums.

              In the event Lessee shall construct or erect any further
              improvements upon said leased premises and/or make any additions
              or alterations to the existing improvements located upon said
              premises during the term of this Lease, Lessee, at its expense,
              shall insure said additional

<PAGE>

              improvements or additions to present improvements in an amount not
              less than the costs of such further improvements or additions.

         7)   The parties agree that Lessee may sublet all or any portion of
              said premises during the term of this Lease with the prior written
              consent of Lessor. Upon the provision of said Written Consent,
              Lessee shall deliver copies of any such subleases within five (5)
              days after the execution thereof and provided, further, that
              Lessee shall not grant any rights to any such subtenant in excess
              of the rights and duties granted Lessee herein.

         8)   Lessee shall not assign this Lease or any part thereof without the
              written consent of the Lessor first had and obtained, and will not
              permit any transfer by operation of law of any interest in said
              premises acquired through this Lease and will not permit said
              premises to be used for any unlawful purpose or purposes which
              will injure the reputation of the same or of the building of which
              it is a part, nor disturb the tenants of such building or of the
              neighborhood.

         9)   No alterations, changes, or additions in said leased premises
              shall be made without first submitting written plans and
              specifications for the same to the Lessor and obtaining his
              written consent to make the same. Lessor shall not unreasonably
              withhold his consent. In the event of any such remodeling,
              alterations, or additions, Lessee shall make the same at its own
              expense and shall promptly pay for all materials and labor
              involved in making the same. Lessee shall not permit any liens or
              claims or demands of any nature to exist against the Lessor or the
              leases premises. In the event any lien, claim, or demand of any
              action for enforcing the same shall be filed for made against the
              Lessor or said premises, the Lessee shall defend the same at its
              own expense and Lessee hereby agrees to indemnify and hold
              harmless the Lessor from any and all liability or expense arising
              by virtue of such claim, demand, or lien or the defense of any
              action filed to enforce the same. Any such alterations, changes,
              or additions shall, when made, become a part of the leased
              premises and remain thereon as the property of the Lessor at the
              termination of said Lease at the option of the

<PAGE>

              Lessor, and if the Lessor shall require the Lessee to restore the
              premises or any portion thereof to the original condition in which
              it was before this Lease is executed, then the Lessee shall
              restore said premises or portion to such condition at its own
              expense, and all of the provision of this lease with reference to
              such restoration contracts, liens, demands and expenses shall
              apply to said restoration as well as the original alterations.
              Upon the expiration of this Lease, Lessee shall be entitled to
              remove its trade fixtures and equipment provided that Lessee
              shall, at its sole expense, restore said premises to good
              condition after such removal.

         10)  Lessee shall allow Lessor free access to the premises for the
              purpose of examining or exhibiting the same and also to allow the
              Lessor, within forty-five (45) days of the termination of this
              Lease, to place upon said premises "For Sale" or "For Rent" signs.

         11)  Lessee shall promptly pay and discharge all store license taxes
              and all general personal property taxes or special license fees
              that may be assessed or levied by any lawful authority against the
              property of Lessee or any subtenants on, against or by virtue of
              the business conducted in or on the demised premises during the
              term of this Lease.

         12)  Lessee shall promptly pay (in addition to the rents above
              specified) all water, sewerage, electric, power, gas and heating
              bills taxed, levied, or charged against the premises for and
              during the entire term of this Lease.

         13)  Lessee covenants that should it make default in its agreement to
              pay the rent above provided to be paid, or any part thereof, or in
              any of the other covenants and agreements herein contained, it
              will at once deliver peaceable possession of said premises to the
              Lessor, and failing to do so, it shall be lawful for the Lessor,
              its successors or assigns, without notice, to declare the said
              term ended, and to re-enter said demises premises, or any part
              thereof, either with or without process of law, and to expel,
              remove and put out the Lessee, or any person or persons occupying
              the same, using such force as may be necessary so to do, and to
              repossess

<PAGE>

              and use said premises as before this demise, without prejudice to
              any remedies which might otherwise be used for arrears of rent or
              preceding breach of covenants.

         14)  That after the service of notice, or the commencement of a suit,
              or after final judgment for possession of said premises, Lessor
              may receive and collect any rent due and the payment of said rent
              shall not waive or affect said notice, said suit or said judgment.

         15)  If the Lessee shall make any assignment for the benefit of
              creditors or if a receiver is appointed for the Lessee or its
              assets or of the Lessor's interest under this Lease, and if the
              appointment of a receiver is not vacated within five (5) days, or
              if a voluntary or involuntary petition is filed by or against
              Lessee under the Bankruptcy Act, the Lessor may, upon giving the
              Lessee ten (10) days notice of such election, either terminate
              Lessee's right to the possession of the demises premises or
              terminate this Lease as in the case of a violation by the Lessee
              of any of the terms, covenants, or conditions of this Lease.

         16)  It is agreed by the parties hereto that in the event Lessee is
              declared bankrupt or voluntarily offers to creditors terms of
              composition or in case a receiver is appointed to take charge of
              and conduct the affairs of the Lessee, then Lessor shall have the
              right of immediate possession of said premises.

         17)  That in case said premises shall be so injured by fire, windstorm,
              or other catastrophe as to be rendered untenantable, within thirty
              (30) days thereafter, it shall be optional with the Lessor only to
              terminate the Lease by written notice at the end of such thirty
              (30) days, in which case rent shall be paid at the agreed rate
              above provided up to the time of such fire; but in case such
              injuries are repaired and the premises rendered tenantable within
              thirty (30) days, the right to terminate this Lease for such cause
              shall not exist: provided, that nothing herein contained shall
              relieve the Lessee from liability for rent or damages where such
              damage or destruction shall be caused by the carelessness,
              negligence or improper conduct of the Lessee, its agents or
              servants.

<PAGE>

         18)  It is expressly agreed that no waiver nor apparent waiver, nor the
              failure of Lessor to require strict performance of any condition,
              covenant, or agreement shall estop the Lessor from enforcing such
              condition, covenant, or agreement, nor any other condition,
              covenant, or agreement shall at any time be implied.

         19)  At the expiration of this Lease, by lapse of time or otherwise,
              Lessee will yield up immediate possession to Lessor, and failing
              so to do, will pay as liquidated damages for each day such
              possession is withheld, a sum equal or two (2) times the per diem
              rental; but the provisions of this clause shall not be held as a
              waiver by Lessor of any rights of re-entry as herein set forth,
              nor shall the receipt of said rent or any part thereof, or any
              other act in apparent affirmance of tenancy, operate as a waiver
              of the right to forfeit this Lease and the term hereby granted for
              the period still unexpired, for any breach of any of the covenants
              herein.

         20)  It is also agreed that the Lessee shall pay and discharge all
              reasonable costs, attorney's fees, and expenses which shall be
              made and incurred by the Lessor in enforcing the covenants and
              agreements of this Lease, including the agreement to deliver
              possession for any reason herein provided, and all the parties to
              this Lease agree that the covenants and agreements herein
              contained shall be binding upon, apply and inure to their
              respective heirs executors, administrators, successors and
              assigns, and the terms "Lessor" and "Lessee" shall embrace all of
              the parties hereto irrespective of number or gender.

         21)  It is agreed that all payments herein provided to be made shall be
              made without relief from valuation or appraisement laws, and all
              payments required to be made at the time due shall bear interest
              at the rate of eighteen percent (18%) per annum, from date of
              delinquency.

         22)  At any time prior to April 1, 2004, provided that Lessee shall
              then have complied with and performed all of the agreements to be
              performed by Lessee herein, Lessee shall have the option to renew
              the lease for an additional term commencing October 1, 2004, and
              ending September 30, 2009. Lessee shall exercise said option by
              giving Lessor notice of the exercise thereof in writing, addressed
              to Lessor as hereinafter stated, certified mail, return receipt
              requested, which

<PAGE>

              notice shall be mailed to Lessor not later than April 1, 2004. In
              the event Lessee fails to serve notice of the exercise of its
              option to renew this Lease as hereinabove provided shall expire
              and be of no further force and effect, it being agreed by the
              parties that time is of the essence of receipt of notice of such
              exercise.

              In the event said option is exercised, the basic rental for the
              additional term shall be renegotiated between Lessor and Lessee.
              All other provisions of the Lease shall be the same as for the
              initial term, including the provisions relative to additional
              rent. In the event Lessor and Lessee are unable to agree in
              writing upon the amount of basic rental agreeable during the
              renewal term on or before July 1, 2004, said notice of exercise of
              such option to renew shall be deemed ineffective for all purposes
              and said Lease shall automatically expire upon the expiration of
              the initial term.

         23)  Each of said parties does each herewith and hereby release and
              relieve the other and waiver their entire right of recovery
              against the other for loss or damage arising out of or incident to
              the perils of fire, explosion, or other peril described in the
              "Extended Coverage" insurance endorsement approved for use in the
              state where the above property is located, which occurs in, on or
              about the premises, whether due to the negligence of any said
              parties, their agents or employees or otherwise.

         24)  In the event the leased premises or any portion thereof shall be
              acquired or condemned by eminent domain for any public or
              quasi-public use or purposes, Lessor may terminate this Lease in
              which event said Lease shall terminate and cease on the date upon
              which the condemning authority shall take possession of the leased
              premises so condemned. Lessee shall continue to perform the
              obligations imposed upon it by the terms of this Lease until said
              date.

              Further, in the event of any such acquisition or condemnation by
              eminent domain, Lessee shall have no claim against the Lessors or
              the condemning authority for the value of the unexpired term of
              this Lease and Lessee shall not be entitled to any part of the
              award paid for

<PAGE>

              the condemnation or acquisition of the leased premises, it being
              agreed that Lessor shall be entitled to receive the full amount of
              such award and it being further agreed that Lessee hereby
              expressly waives any right or claim against any portion of said
              award. Lessee shall have the right to claim and recover from the
              condemning authority, but not from the Lessor, such compensation
              as may be separately awarded or recoverable by the Lessee in
              Lessee's own right on account of any and all damages to Lessee's
              business by reason of such acquisition or condemnation and for or
              on account of any cost to which Lessee might be put in removing
              Lessee's equipment, fixtures, inventory, and other property from
              the leased premises.

         25)  Nothing herein contained shall be construed as prohibiting Lessor
              from assigning its right, title, and interest in and to the leased
              premises, subject to the terms of this Lease, to any third party.

         26)  At the expiration of the lease, whether by lapse of time or
              otherwise, Lessor and Lessee shall make a joint inspection of the
              leased premises to determine the then present condition thereof.
              In the event said leased premises are damaged, or in the event the
              Lessee has committed waste and in the further event that the
              premises are not in then good condition and repair, ordinary wear
              and tear excepted, Lessor shall cause said premises to be restored
              to good condition and repair at Lessee's expense. Lessee shall pay
              the cost of such repair and restoration within ten (10) days after
              receipt of notice from Lessor. 27) Until further notice in written
              form is given by either of the parties hereto, all notices and/or
              rent to be delivered to the opposite party shall be mailed as
              follows:

                           TO LESSOR:
                               Mervin D. Lung
                               5020 Lincolnway East
                               Mishawaka,  IN 46544

                           TO LESSEE:
                               Patrick Industries, Inc.
                               1800 South 14th Street

<PAGE>

                               Elkhart,  IN   46516

         28)  Lessor covenants and agrees that so long as Lessee shall perform
              all of the terms, conditions, covenants, and agreements to be kept
              by Lessee, Lessee shall have the quiet enjoyment of the leased
              premises.

         29)  The parties agree that a memorandum of lease in a form approved in
              writing by Lessor, may be recorded in the records of McLennan
              County, Texas.

         30)  This Lease is executed by duly authorized officers of the Lessee
              for and on behalf of the Lessee and the persons executing this
              Lease for and on behalf of the Lessee acknowledge and state that
              they have full power and authority to execute this Lease pursuant
              to law, the by-laws of Lessee corporation and authority of
              Lessee's board of directors.

                  Dated effective this 30th day of September , 1999.

                                                    _Mervin D. Lung__________
                                                      Mervin D. Lung
                                                        (LESSOR)

                                                    PATRICK INDUSTRIES, INC.

                                                    _David D. Lung___________
                                                      David D. Lung
                                                        President

         ATTEST:

         _Keith V. Kankel_________________ (LESSEE)
           Keith V. Kankel, Secretary/Treasurer

<PAGE>

         STATE OF INDIANA                )
                                         )        SS:
         COUNTY OF  ST. JOSEPH           )

                  Before me, a Notary Public in and for said County and State,
         personally appeared Mervin D. Lung and acknowledged the execution of
         the above foregoing Commercial Lease as Lessor.

                  WITNESS my hand and Notarial Seal this 30th day of September ,
         1999.

                                                   Thomas M. Walz
                                               Thomas M. Walz   Notary Public
                                             Residing in  St. Joseph  County, IN

         My Commission Expires
            08/27/2006
         ---------------------

         STATE OF INDIANA            )
                                     )        SS:
         COUNTY OF ___________       )

                  Before me, a Notary Public in and for said County and State,
         personally appeared David D. Lung and Keith V. Kankel, the
         Vice-President and Secretary/Treasurer, respectively, of PATRICK
         INDUSTRIES, INC., an Indiana Corporation, and acknowledged the
         execution of the above and foregoing Commercial Lease for and on behalf
         of said corporation in their respective representative capacities being
         authorized by it so to do.

                  WITNESS my hand and Notarial Seal this _______ day of
___________, 1999.

                                            ------------------------
                                            ________________, Notary Public
                                            Residing in __________ County, IN

         My Commission Expires
         ------------

<PAGE>

                                   EXHIBIT "A"

                             REAL ESTATE DESCRIPTION
                             -----------------------

         BEING 13.15 acres of land in the Jacob Walker League, McLennan County,
         Texas, and being all that certain Tract Two as described in a deed from
         the Waco Industrial Foundation to Patrick Industries, Inc., as recorded
         March 13, 1980, in Col. 1347, Pg. 763 of the Deed Records of McLennan
         County, Texas, described by metes and bounds as follows: BEGINNING at a
         nail being the northwest corner of said Tract Two, being also in the
         center of the Old Fort Graham Road; THENCE N 57 deg 3 min 54 sec E with
         the north line of said Tract Two passing an iron at 25.0 feet
         continuing for a total distance of 1120.3 feet to an iron stake for a
         corner being the northeast corner of said tract; THENCE S 30 deg 15 min
         27 sec E with the cast line of said TRACT TWO a distance of 407.57 feet
         to an iron stake for a corner being in the northwest line of Texas
         Central Railroad; THENCE S 18 deg 48 min 15 sec W with said railroad
         R.O.W. a distance of 225.59 feet to an iron stake for a corner being
         the southeast corner of said Tract Two; THENCE S 60 deg 32 min W with
         the south line of said Tract Two, passing an iron stake at a distance
         of 921.03 feet, continuing for a total distance of 946.03 feet to a
         nail for a corner being the southwest corner of said Tract Two, being
         also in the center line of Old Fort Graham Road; THENCE N 30 deg 34 min
         32 sec W with the west line of said Tract Two a distance of 490.0 feet
         to the place of beginning containing 13.15 acres of land more or less,
         of which .028 acre is being used as a public road, and 0.25 acre is
         being used as a private gravel drive, ingress, egress easement.

<PAGE>

                                   EXHIBIT "B"

                             EXCEPTIONS TO CONDITION
                             -----------------------

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