Document:

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                                                                    EXHIBIT 10.2

                        INCENTIVE STOCK OPTION AGREEMENT
                        UNDER THE CIVITAS BANKGROUP, INC.
                             1998 STOCK OPTION PLAN

      THIS INCENTIVE STOCK OPTION AGREEMENT is made and entered into effective
as of the _____ day of _______________, 200__, by and between Civitas BankGroup,
Inc., a Tennessee corporation (the "Company"), and _____________________ (the
"Optionee"). Capitalized terms not otherwise defined herein shall have the
meaning ascribed to such terms in the Civitas BankGroup, Inc. 1998 Incentive
Stock Option Plan.

      WHEREAS, the Company has adopted the Civitas BankGroup, Inc. 1998 Stock
Option Plan (the "Plan"), pursuant to which the Company is authorized to grant
directors, officers and key employees of the Company and its subsidiaries and
affiliates options to purchase shares of the Company's Common Stock, par value
$0.50 per share (the "Common Stock");

      WHEREAS, the Company desires to afford the Optionee an opportunity to
purchase Common Stock as hereinafter provided in accordance with the provisions
of the Plan.

      NOW, THEREFORE, in consideration of the mutual covenants hereinafter set
forth and for other good and valuable consideration, the receipt and sufficiency
of which are hereby acknowledged, the parties hereto, intending to be legally
bound hereby, agree as follows:

      1. Grant of Option. The Company hereby grants to Optionee the option (the
"Option"), exercisable in whole or in part, to purchase ______ shares of the
Company's Common Stock, for an exercise price of $_____ per share.

      2. Option Plan. This Option is granted under the Plan and, except as
provided in Section 12, is intended to qualify as an incentive stock option, as
that term is used in Section 422 of the Internal Revenue Code of 1986, as
amended (the "Code") and is subject to the terms and conditions set forth in the
Plan. In the event any of the provisions hereof conflict with or are
inconsistent with the provisions of the Plan, the provisions of the Plan shall
be controlling.

      3. Timing of Exercise. Optionee may exercise the Option with respect to
the percentage and number of shares set forth below from and after the dates
specified below:

<TABLE>
<CAPTION>
    CUMULATIVE                                                               CUMULATIVE
PERCENTAGE VESTED                      DATE OF VESTING                   OPTIONS EXERCISABLE
-----------------                     -----------------                  -------------------
<S>                                   <C>                                <C>
      _____%                          __________, _____                         _____

      _____%                          __________, _____                         _____

      _____%                          __________, _____                         _____

      _____%                          __________, _____                         _____

      _____%                          __________, _____                         _____
</TABLE>

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This Option will expire ten (10) years from the date of grant with respect to
any then unexercised portion hereof.

      4. Manner of Exercise. This Option shall be exercised by the Optionee (or
other party entitled to exercise the Option under Section 5 of this Agreement)
by delivering written notice to the Company stating the number of shares of
Common Stock to be purchased, the person or persons in whose name the shares are
to be registered and each such person's address and social security number. Such
notice shall not be effective unless accompanied by the full purchase price for
all shares so purchased. The purchase price shall be payable by check, note,
shares of common stock already owned by the Optionee and held for at least six
months, or such other instrument as the Committee shall accept and shall be
accompanied by an executed Subscription Agreement in such form as determined by
the Committee. In the event of payment by shares of the Common Stock, the shares
used in payment of the purchase price shall be considered payment to the extent
of their fair market value on the date of exercise of this Option. At the time
of payment of the purchase price and prior to delivery of any certificate for
such shares delivered in connection with this Option, Optionee shall pay to the
Company in cash an amount sufficient to satisfy any federal, state and local
withholding or other tax requirements.

      5. Nontransferability of Option. This Option shall not be transferable by
the Optionee without the prior written consent of the Board otherwise than by
will or by the laws of descent and distribution, and is exercisable during the
Optionee's lifetime only by the Optionee. The terms of this Option shall be
binding on the executors, administrators, heirs and successors of the Optionee.

      6. Termination of Employment.

            (a) Termination by Death. If the Optionee's employment by the
Company or any Subsidiary terminates by reason of death, this Option may
thereafter be exercised, to the extent to which it was then exercisable at the
time of death, by the legal representative of the estate or by the legatee of
the Optionee under the will of the Optionee, for a period of one year from the
date of death or until the expiration of the stated term of the Option,
whichever period is the shorter.

            (b) Termination by Reason of Disability. If the Optionee's
employment by the Company or any Subsidiary terminates by reason of Disability,
this Option may thereafter be exercised, to the extent to which it was then
exercisable at the time of Disability, by the Optionee for a period of one year
from the date of such termination of employment or until the expiration of the
stated term of the Option, whichever period is the shorter.

            (c) Termination by Retirement. If Optionee's employment by the
Company or any Subsidiary terminates by reason of Normal or Early Retirement,
this Option may thereafter be exercised by the Optionee, to the extent to which
it was then exercisable at the time of such Normal or Early Retirement, for a
period of three months from the date of such termination of

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employment or until the expiration of the stated term of the Option whichever
period is the shorter.

            (d) Termination for Cause. If the Optionee's employment by the
Company or any Subsidiary is terminated for Cause, this Option shall terminate
immediately and become void and of no effect.

            (e) Other Termination. If the Optionee's employment by the Company
or any Subsidiary is involuntarily terminated for any reason other than death,
Disability or Normal or Early Retirement or voluntarily terminated, other than
for Disability or Normal or Early Retirement, this Option may be exercised, to
the extent this Option was then exercisable, by the Optionee for a period of
three months from the date of such termination of employment or the expiration
of the stated term of the Option, whichever period is the shorter.

      7. Restrictions on Purchase and Sale of Shares. The Company shall be
obligated to sell or issue shares pursuant to the exercise of this Option only
in the event that the shares are at that time effectively registered or
otherwise exempt from registration under the Securities Act of 1933, as amended
(the "1933 Act"). In the event that the shares are not registered under the 1933
Act, the Optionee hereby agrees that, as a further condition to the exercise of
this Option, the Optionee (or his successor under Section 5 hereof), if the
Company so requests, will execute an agreement in form satisfactory to the
Company in which the Optionee represents that he or she is purchasing the shares
for investment purposes, and not with a view to resale or distribution. The
Optionee further agrees that if the shares of Common Stock to be issued upon the
exercise of this Option are not subject to an effective registration statement
filed with the Securities and Exchange Commission pursuant to the requirements
of the 1933 Act, such shares shall bear an appropriate restrictive legend.

      8. Adjustment. In the event of any merger, reorganization, consolidation,
recapitalization, extraordinary cash dividend, stock dividend, stock split, or
other change in capitalization or corporate structure affecting the Common
Stock, the number of shares of Common Stock of the Company subject to this
Option and the exercise price per share of such shares shall be adjusted
appropriately by the Committee.

      9. No Rights Until Exercise. The Optionee shall have no rights hereunder
as a shareholder with respect to any shares subject to this Option until the
date of the issuance of a stock certificate to him or her for such shares upon
due exercise of this Option. Nothing contained herein shall create an obligation
on the part of the Company to repurchase any shares of Common Stock purchased
hereunder.

      10. Amendment. The Board may amend the terms of this Option, prospectively
or retroactively, but, subject to Section 9 above, no such amendment shall
affect the rights of the Optionee hereunder without the Optionee's consent.

      11. Notices. All notices required to be given under this Option shall be
deemed to be received if delivered or mailed as provided for herein, to the
parties at the following addresses, or to such other address as either party may
provide in writing from time to time.

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      To the Company:                             To the Optionee:

      Civitas BankGroup, Inc.                     [Optionee]
      4 Corporate Centre, Suite 320               _____________________________
      810 Crescent Centre Drive                   _____________________________
      Franklin, TN  37067                         _____________________________
      Attn: Corporate Secretary                   _____________________________

      12. Excessive Shares. In the event that the number of shares subject to
this Option exceeds any maximum established under the Code for Incentive Stock
Options that may be granted to Optionee, or in the event that this Option
becomes first exercisable in any calendar year to obtain Common Stock having an
aggregate Fair Value (determined at the time of grant) in excess of $100,000,
this Option may be treated as a Non-Qualified Stock Option to the extent of such
excess. If the exercise of the Option is accelerated in accordance with the
terms of Section 6 of the Plan, then any portion of such Option that is not
exercisable as an Incentive Stock Option by reason of the $100,000 limitation
contained in Section 422(d) of the Code shall be treated as a Non-Qualified
Stock Option.

                          (Next Page is Signature Page)

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      IN WITNESS WHEREOF, the parties have caused this Incentive Stock Option
Agreement to be duly executed as of the day and year set forth below.

                                         CIVITAS BANKGROUP, INC.

                                         By: ___________________________________
                                         Title: ________________________________

                                         OPTIONEE:

                                         _______________________________________
                                         [OPTIONEE]

                                         Date:_________________________

                                       5<PAGE>
                                                                   EXHIBIT 10.25

                   AMENDMENT NO. 1 TO THE SEVERANCE AGREEMENT
          BETWEEN SEABULK INTERNATIONAL, INC. AND VINCENT J. DESOSTOA,
                         DATED AS OF SEPTEMBER 15, 2004

         This Amendment to the Severance Agreement by and between Seabulk
International, Inc., a Delaware corporation (the "Company") and Vincent J.
deSostoa ("Employee"), dated as of April 10, 2003 ("the Agreement"), is entered
into as of the 15 day of September, 2004.

         WHEREAS, the Compensation Committee and Board of Directors of the
Company authorized this amendment at its meetings on July 29, 2004;

         NOW THEREFORE, in consideration of the mutual covenants and the mutual
benefits provided in the Agreement, the receipt and sufficiency of which are
hereby acknowledged, the Company and the Employee hereby amend the Agreement as
set forth hereinbelow.

       1.     Section 3(b) of the Agreement is hereby amended and restated by
              deleting the text appearing therein in its entirety and inserting
              the following text in lieu thereof:

              3(b)Cause Executive and those of his dependents (including his
              spouse) who were covered under the Company's medical and dental
              benefit plans on the day prior to Executive's Involuntary
              Termination to continue to be covered under such plans (or to
              receive equivalent benefits) throughout the Severance Period,
              without any cost to Executive; provided, however, that (i) such
              coverage under this subsection (b) shall terminate if and to the
              extent Executive becomes eligible to receive medical and dental
              coverage from a subsequent employer (and any such eligibility
              shall be promptly reported to the Company by Executive), (ii) if
              Executive (and/or his spouse) would have been entitled to retiree
              medical and/or dental coverage under the Company's plans had he
              voluntarily retired on the date of such Involuntary Termination,
              then such retiree coverages shall be continued as provided under
              such plans, and (iii) such coverage to Executive (or the receipt
              of equivalent benefits) shall be provided under one or more
              insurance policies so that reimbursement or payment of benefits to
              Executive thereunder shall not result in taxable income to
              Executive (or, if any such reimbursement or payment of benefits is
              taxable, then the Company shall pay to Executive an amount as
              shall be required to hold Executive harmless from any additional
              tax liability resulting from the failure by the Company to so
              provide insurance policies so that reimbursement or payment of
              benefits to Executive thereunder shall not result in taxable
              income to Executive). Such coverage under the Company's medical
              and dental benefit plans ("Health Coverage") shall be in addition
              to the eighteen months of COBRA coverage. "Health Coverage" means

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              that if Executive elects to continue coverage for himself or his
              eligible dependents under Company's group health plans pursuant to
              the Consolidated Omnibus Budget Reconciliation Act of 1985, as
              amended ("COBRA"), during the Severance Period, then throughout
              the Severance Period Company shall promptly reimburse Executive on
              a monthly basis for the difference between the amount Executive
              pays to effect and continue such coverage and the employee
              contribution amount that active senior executive employees pay for
              the same or similar coverage under Company's group health plans.
              Further, if after the Severance Period Executive continues his
              COBRA coverage and Executive's COBRA coverage terminates at any
              time during the eighteen-month period commencing on the day
              immediately following the last day of the Severance Period (the
              "Extended Coverage Period"), then Company shall provide Executive
              (and his eligible dependents) with health benefits substantially
              similar to those provided under its group health plans for active
              employees for the remainder of the Extended Coverage Period at a
              cost to Executive that is no greater than the cost of COBRA
              coverage; provided, however, that such health benefits shall be
              provided to Executive under one or more insurance policies so that
              reimbursement or payment of benefits to Executive thereunder shall
              not result in taxable income to Executive (or, if any such
              reimbursement or payment of benefits is taxable, then Company
              shall pay to Executive an amount as shall be required to hold
              Executive harmless from any additional tax liability resulting
              from the failure by Company to so provide insurance policies so
              that reimbursement or payment of benefits to Executive thereunder
              shall not result in taxable income to Executive). Notwithstanding
              the preceding provisions of this paragraph, Company's obligation
              to reimburse Executive during the Severance Period and to provide
              health benefits to Executive during the Extended Coverage Period
              shall immediately end if and to the extent Executive becomes
              eligible to receive health plan coverage from a subsequent
              employer (with Executive being obligated hereunder to promptly
              report such eligibility to Company).

       2.     Section 4(b) of the Agreement is hereby amended and restated by
              deleting the text appearing therein in its entirety and inserting
              the following text in lieu thereof:

              4(b) Cause Executive and those of his dependents (including his
              spouse) who were covered under the Company's medical and dental
              benefit plans on the day prior to Executive's Involuntary
              Termination to continue to be covered under such plans (or to
              receive equivalent benefits) throughout the Severance Period,
              without any cost to Executive; provided, however, that (i) such
              coverage shall under this subsection (b) terminate if and to the
              extent Executive becomes eligible to receive medical and dental
              coverage from a subsequent employer (and any such eligibility
              shall be promptly reported to the Company by Executive), (ii) if

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              Executive (and/or his spouse) would have been entitled to retiree
              medical and/or dental coverage under the Company's plans had he
              voluntarily retired on the date of such Involuntary Termination,
              then such retiree coverages shall be continued as provided under
              such plans, and (iii) such coverage to Executive (or the receipt
              of equivalent benefits) shall be provided under one or more
              insurance policies so that reimbursement or payment of benefits to
              Executive thereunder shall not result in taxable income to
              Executive (or, if any such reimbursement or payment of benefits is
              taxable, then the Company shall pay to Executive an amount as
              shall be required to hold Executive harmless from any additional
              tax liability resulting from the failure by the Company to so
              provide insurance policies so that reimbursement or payment of
              benefits to Executive thereunder shall not result in taxable
              income to Executive). Such coverage under the Company's medical
              and dental benefit plans ("Health Coverage") shall be in addition
              to the eighteen months of COBRA coverage. "Health Coverage" means
              that if Executive elects to continue coverage for himself or his
              eligible dependents under Company's group health plans pursuant to
              the Consolidated Omnibus Budget Reconciliation Act of 1985, as
              amended ("COBRA"), during the Severance Period, then throughout
              the Severance Period Company shall promptly reimburse Executive on
              a monthly basis for the difference between the amount Executive
              pays to effect and continue such coverage and the employee
              contribution amount that active senior executive employees pay for
              the same or similar coverage under Company's group health plans.
              Further, if after the Severance Period Executive continues his
              COBRA coverage and Executive's COBRA coverage terminates at any
              time during the eighteen-month period commencing on the day
              immediately following the last day of the Severance Period (the
              "Extended Coverage Period"), then Company shall provide Executive
              (and his eligible dependents) with health benefits substantially
              similar to those provided under its group health plans for active
              employees for the remainder of the Extended Coverage Period at a
              cost to Executive that is no greater than the cost of COBRA
              coverage; provided, however, that such health benefits shall be
              provided to Executive under one or more insurance policies so that
              reimbursement or payment of benefits to Executive thereunder shall
              not result in taxable income to Executive (or, if any such
              reimbursement or payment of benefits is taxable, then Company
              shall pay to Executive an amount as shall be required to hold
              Executive harmless from any additional tax liability resulting
              from the failure by Company to so provide insurance policies so
              that reimbursement or payment of benefits to Executive thereunder
              shall not result in taxable income to Executive). Notwithstanding
              the preceding provisions of this paragraph, Company's obligation
              to reimburse Executive during the Severance Period and to provide
              health benefits to Executive during the Extended Coverage Period
              shall immediately end if and to the extent Executive becomes
              eligible to receive health plan coverage from a subsequent
              employer (with Executive being obligated hereunder to promptly
              report such eligibility to Company).

       3.     Section 4(d) of the Agreement is hereby amended by substituting
              "thirty-six" in lieu of "twelve" on line 2 of the subsection.

       4.     As so amended, the Agreement remains in full force and effect.

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         IN WITNESS WHEREOF, each of the parties hereto has caused this
Amendment No. 1 to be duly executed and delivered as of the day and year first
above written.

                                            SEABULK INTERNATIONAL, INC.

/s/ Vincent J. deSostoa                     /s/ Alan R. Twaits
------------------------                    ------------------------------
Employee                                    By: Alan R. Twaits
                                                Senior Vice President

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