Document:

<PAGE>

                                EXHIBIT 10.17.3
                                ---------------

Prepared By:
Hirschler, Fleischer, Weinberg, Cox & Allen
P.O. Box 500
Richmond, VA 23218-0500

                                FIRST AMENDMENT
                                       TO
     AMENDED AND RESTATED LEASE AGREEMENT, AMENDMENT TO LEASE AND LANDLORD'S
     CONSENT AGREEMENT TO GROUND LEASE AND VIRGINIA LEASE SUPPLEMENT, MEMORANDUM
     OF AMENDED AND RESTATED LEASE AGREEMENT AND REMEDIES
                     (the "Amendment to Lease Documents")

THIS AMENDMENT TO LEASE DOCUMENTS (hereinafter called the "Amendment") is made
as of the 1st day of October, 1999, by and among FIRST SECURITY BANK, N.A., not
                                                 -------------------------
individually, but solely in his capacity as Owner Trustee ("First Security")
under the COB Real Estate Trust 1995-1, as amended and restated by that certain
Amended and Restated Trust Agreement dated as of October 14, 1998, and Val T.
ORTON, not individually, but solely in his capacity as Owner Trustee (the
-----
"Individual Trustee") under COB Real Estate Trust 1995-1, as amended and
restated by that certain Amended and Restated Trust Agreement dated as of
October 14, 1998 ("the Trust") [for purposes of indexing grantors]; CAPITAL ONE
                                                                    -----------
BANK, a Virginia corporation ("Capital One") [for purposes of indexing a
----
grantor]; CAPITAL ONE REALTY, INC., a Delaware corporation ("Capital Realty")
          ------------------------
[for purposes of indexing a grantor]; and LAWYERS TITLE REALTY SERVICES, INC., a
                                          -----------------------------------
Virginia corporation ("Lawyers Title") [for purposes of indexing a grantee].

                              W I T N E S S E T H:

RECITALS
--------

        A.  Individual Trustee owns the fee simple estate in those two parcels
of land with improvements thereon located east of Cox Road and north of Nuckols
Road in Henrico County, Virginia, commonly known as the Knolls Office Building
containing 9.735 acres (the "Knolls Office Building Parcel") and the Operations
Center containing 17.9856 acres (the "Operations Center Parcel"), [together, the
"Trust Property"]

        B.  Individual Trustee is the ground lessee of that certain parcel of
land located east of Cox Road, north of Nuckols Road and adjacent to the Trust
Property in Henrico County, Virginia, consisting of Parcel A containing 16.8499
acres and Parcel B
<PAGE>

containing 0.0378 acres, commonly known as Knolls Two Phase Three (the "Capital
One Property"), pursuant to that certain Ground Lease dated June 21, 1996, (a
short form Memorandum of which was recorded in the Clerk's Office of the Circuit
Court of Henrico County, Virginia (the "Clerk's Office"), in Deed Book 2657, at
Page 1311), as amended by unrecorded Amendment to Lease and Landlord's Consent
Agreement to Ground Lease dated as of October 14, 1998, and by Amendment to
Ground Lease and Memorandum of Lease dated as of October 14, 1998, recorded in
the Clerk's Office in Deed Book 2865, at Page 21 (collectively, the "Ground
Lease"), between Capital One Bank, as lessor and the Individual Trustee, as
lessee.

The Trust Property and the Capital One Property are collectively referred to as
the "Property".

        C.  Capital Realty holds a leasehold interest in the Property pursuant
to that certain Amended and Restated Lease Agreement dated as of October 14,
1998, as supplemented by that certain Virginia Lease Supplement, Memorandum of
Amended and Restated Lease Agreement and Remedies dated as of October 14, 1998,
recorded in the Clerk's Office in Deed Book 2865, at Page 179 (collectively, the
"Lease Documents"), by which the Individual Trustee, as landlord, leased the
Property to Capital Realty, as tenant.   As security for the performance by
Capital Realty of its obligations under the Lease, Capital One executed and
delivered to the Owner Trustees its Guaranty dated as of October 14, 1998 (the
"Guaranty");

        D.  Capital Realty is constructing an addition consisting of a kitchen
facility (the "Addition"), to the existing improvements located on the Knolls
Office Building Parcel.  Capital Realty has filed an amended plan of development
for the Addition which plan provides for an adjustment to a portion of the
common boundary line of the Knolls Office Building Parcel and the Operations
Center Parcel.  The adjustment of the common boundary line will result in an
increase of 0.087 acre to the Knolls Office Building Parcel and a decrease of
0.087 acre to the Operations Center Parcel.   The 0.087 acre is more
particularly described in Exhibit A hereto and is hereinafter referred to as the
"Additional Adjustment Parcel".

        E.  The parties hereto now desire to amend the legal descriptions of the
Knolls Office Building Parcel and the Operations Center Parcel with respect to
the Additional Adjustment Parcel.

        F.  All capitalized terms not defined herein shall have the same
meanings as set forth in the Lease Documents.

<PAGE>

AMENDMENT
---------

     FOR and in consideration of the foregoing of the foregoing premises, and
other good and valuable consideration, the receipt and sufficiency of which are
hereby acknowledged, the parties agree as follows:

     1.  The legal description for the Knolls Office Building Parcel set forth
in Schedule A to each of the Lease Documents is deleted in its entirety and the
legal description set forth on Exhibit A hereto is substituted therefor.

     2.  The legal description for the Operations Center Parcel set forth in
Schedule A to each of the Lease Documents is deleted in its entirety and the
legal description set forth on Exhibit B hereto is substituted therefor

     3.  Except to the extent modified and amended hereby, each of the Lease
Documents remain valid, binding and in full force and effect, and each of the
parties hereto ratifies and confirms the same.

     4.  First Security, as an Owner Trustee under the Trust,  joins herein for
the sole purpose of acknowledging and consenting to the amendment accomplished
herein.

     5.  Capital One, as guarantor under the Guaranty joins herein for sole
purpose of acknowledging the amendment accomplished herein.

     6.  Capital Realty, as lessor under the Lease, joins herein for the sole
purpose of acknowledging the amendment accomplished herein.

     7.  This Amendment may be executed in counterpart, each of which shall be
deemed an original but all of which shall constitute one and the same document.

                           [SIGNATURE PAGES FOLLOW]
<PAGE>

     IN WITNESS WHEREOF,  the parties hereto have caused their duly authorized
officers to execute this Amendment on their respective behalves.

                              FIRST SECURITY BANK, N.A.,
                              not individually but solely in its capacity
                              as owner trustee under that certain Amended
                              and Restated Trust Agreement dated as of
                              October 14, 1998

                              By:     /s/  Val T. Orton            (SEAL)
                                -----------------------------------
                              Name:   Val T. Orton
                              Title:  Vice President

STATE OF ________________________

City/County of _____________________, to-wit:

     The foregoing instrument was acknowledged before me this _____ day of
________________, 1999, by First Security Bank, N.A., a ________________,  as
Owner Trustee under the COB Real Estate Trust 1995-1 as amended by that certain
Amended and Restated Trust Agreement dated as of October 14, 1998, on behalf of
said trust.

     My commission expires:

                                             /s/
                             ----------------------------------
                                   Notary Public
<PAGE>

     IN WITNESS WHEREOF,  the parties hereto have caused their duly authorized
officers to execute this Amendment on their respective behalves.

                                   /s/  Val T. Orton          (SEAL)
                              --------------------------------
                              Val T. Orton, not individually, but solely
                              as Owner Trustee under the COB Real
                              Estate Trust 1995-1, as amended by that
                              certain Amended and Restated Trust
                              Agreement dated as of October 14, 1998

STATE OF UTAH

City/County of _____________________, to-wit:

     The foregoing instrument was acknowledged before me this _____ day of
________________, 1999, by Val T. Orton, not individually, but solely as Owner
Trustee under the COB Real Estate Trust 1995-1 as amended by that certain
Amended and Restated Trust Agreement dated as of October 14, 1998, on behalf of
said trust.

     My commission expires:

                                             /s/
                             ----------------------------------
                                   Notary Public
<PAGE>

     IN WITNESS WHEREOF,  the parties hereto have caused their duly authorized
officers to execute this Amendment on their respective behalves.

                              CAPITAL ONE BANK,
                              a Virginia corporation

                              By:     /s/  Stephen Linehan        (SEAL)
                                  --------------------------------
                              Name:   Stephen Linehan
                              Title:  Manager, Corporate Funding

COMMONWEALTH OF VIRGINIA

City/County of ___________________, to-wit:

     The foregoing instrument was acknowledged before me this _____ day of
____________________, 1999, by __________________________________, the duly
authorized ____________________________ of Capital One Bank, a Virginia
corporation, on behalf of said corporation.

     My commission expires:

                                             /s/
                             ----------------------------------
                                   Notary Public
<PAGE>

IN WITNESS WHEREOF,  the parties hereto have caused their duly authorized
officers to execute this Amendment on their respective behalves.

                              CAPITAL ONE REALTY, INC.,
                              a Delaware corporation

                              By:     /s/  Stephen Linehan      (SEAL)
                                   -----------------------------
                              Name:   Stephen Linehan
                              Title:  Manager, Corporate Funding

COMMONWEALTH OF VIRGINIA

City/County of ___________________, to-wit:

          The foregoing instrument was acknowledged before me this _____ day of
____________________, 1999, by __________________________________, the duly
authorized ____________________________ of Capital One Realty, Inc., a Delaware
corporation, on behalf of said corporation.

     My commission expires:

                                                       /s/
                                       ----------------------------------
                                             Notary Public
<PAGE>

                                   EXHIBIT A
                                   ---------

                                   PARCEL 1

                            KNOLLS OFFICE BUILDING
                               LEGAL DESCRIPTION

Tract 1
-------

          ALL that certain lot, piece or parcel of land, together with all
improvements thereon and appurtenances thereunto belonging, situated, lying and
being in the Three Chopt District, Henrico County, Virginia, more particularly
described as follows:

          Situated, lying, and being in the Three Chopt District of Henrico
County, Virginia, and being more particularly described as follows:

          BEGINNING at a nail set on the east line of Cox Road, said point being
621.74 feet from the east line of North Park Drive;

          Thence along a curve to the left having a radius of 730.00 feet and an
arc length of 129.55 feet, being subtended by a chord of North 19 53' 21" East
for a distance of 129.38 feet to a rod set;

          Thence North 14 48' 18" East for a distance of 540.93 feet to a nail
set;

          Thence along a curve to the right having a radius of 40.00 feet and an
arc length of 39.27 feet, being subtended by a chord of North 42 55' 50" East
for a distance of 37.71 feet to a rod set;

          Thence along a curve to the left having a radius of 50.00 feet and an
arc length of 148.20 feet, being subtended by a chord of North 13 51' 31" West
for a distance of 99.61 feet to a brick nail found;

          Thence North 14 48' 18" East for a distance of 38.09 feet to a brick
nail found;
          Thence South 82 00' 00" East for a distance of 591.56 feet to a point;
          Thence South 14 48' 18" West for a distance of 620.88 feet to a rod
set;
          Thence South 82 18' 18" West for a distance of 195.14 feet to a rod
set;
          Thence South 32 00' 21" West for a distance of 120.34 feet to a nail
set;
          Thence South 82 18' 18" West for a distance of 268.63 feet to a rod
set;
          Thence North 67 13' 29" West for a distance of 105.83 feet to a nail
set; and being the point of beginning.

          Said property contains 9.735 acres more or less.
<PAGE>

Tract 2
-------

ALL that certain lot, piece or parcel of land, together with all improvements
thereon and appurtenances thereto belonging, situated, lying and being in the
Three Chopt District, Henrico County, Virginia, containing 0.087 acre and being
more fully shown and described on that certain plat prepared by Foster & Miller,
P.C., dated July 14, 1999, entitled "COMPILED PLAT OF 0.087 ACRE LOCATED EAST OF
COX ROAD, THREE CHOPT DISTRICT, HENRICO COUNTY, VIRGINIA", a copy of which plat
is attached hereto and incorporated herein by reference.
<PAGE>

                                   EXHIBIT B
                                   ---------

                                   PARCEL 2

                               OPERATIONS CENTER
                               LEGAL DESCRIPTION

          ALL that certain lot, piece or parcel of land, together with all
improvements thereon and appurtenances thereunto belonging, situated, lying and
being in the Three Chopt District, Henrico County, Virginia, more particularly
described as follows:

          BEGINNING at a 1/2" rod set, said 1/2" rod being North 74 50' 33" West
153.65 feet from the western line of  Fort McHenry Parkway; thence North 74 50'
33" West 704.14 feet to a 1/2" rod set; thence North 07 41' 23" West 54.36 feet
to a 1/2" rod set; thence North 22 04' 50" West 30.17 feet to a 1/2" rod set;
thence North 14 48' 18" East 1060.88 feet to 5/8" rod found; thence North 84 04'
51" East 547.01 feet to a nail found; thence  South 04 57' 26" West 1353.08 feet
to the 1/2" rod set and point and place of beginning, containing 783,452.2
square feet or 17.9856 acres

LESS AND EXCEPT the tract of land containing 0.087 acre described as Tract 2 of
Parcel 1 in Schedule A hereto.<PAGE>

                                EXHIBIT 10.17.4
                                ---------------

     AMENDMENT NO. 1 dated as of April 1, 1999 between:

     CAPITAL ONE BANK, a Virginia banking corporation duly organized and validly
existing under the laws of the State of Virginia (the "Guarantor"); and
                                                       ---------

     FIRST SECURITY BANK, N.A., a national banking association having an address
at 79 South Main Street, Salt Lake City, Utah 84111, and Val T. Orton, not
individually but solely in their capacities as owner trustee (the "Owner
Trustee") of the Capital One Bank Real Estate Trust 1995-1 (the "Lessor").

     The Guarantor has executed a Guaranty dated as of October 14, 1998 (the
"Guaranty") in favor of the Lessor and the Obligees defined therein.

     The Guarantor has requested that the Lessor agree and the required Obligees
consent, and the Lessor and the required Obligees are willing, to amend Section
3.1(b) of the Guaranty, all on the terms and conditions of this Amendment.

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

     Section 1.  Definitions.  Terms used but not defined herein shall have the
                 -----------
respective meanings ascribed to such terms in the Guaranty.

     Section 2.  Amendment.  Subject to the satisfaction of the conditions to
                 ---------
effectiveness specified in Section 4 hereof, but with effect on and after the
date hereof, the Guaranty shall be amended as follows:

     (a) Section 3.1(b) of the Guaranty shall be deleted in its entirety and the
following paragraph shall be substituted therefor:

          "(b)   Annual Statements - within 120 days after the end of each
                 -----------------
                 fiscal year of  the Guarantor, copies of

                 (i)     a consolidated report of condition of the Guarantor and
                         its Subsidiaries as at the end of such year,

                 (ii)    consolidated reports of income and changes in equity
                         capital and cash flows of the Guarantor and its
                         Subsidiaries, for such year,
<PAGE>

                 (iii)   a consolidated report of the condition of the Parent
                         and its Subsidiaries, which requirement may be
                         satisfied by providing the documents required by
                         Section 3(c), and

                 (iv)    consolidated reports of income and changes in equity
                         capital and cash flows of the Parent and its
                         Subsidiaries, which requirement may be satisfied by
                         providing the documents required by Section 3(c),

          setting forth in each case in comparative form the figures for the
          previous fiscal year, all in reasonable detail, prepared in accordance
          with GAAP, and accompanied, in the case of subparagraphs (iii) and
          (iv) above,

                 (1)     by an opinion thereon of independent public accountants
                         of recognized national standing, which opinion shall
                         state that such financial statements present fairly, in
                         all material respects, the financial position of the
                         companies being reported upon and their results of
                         operations and cash flows and have been prepared in
                         conformity with GAAP, and that the examination of such
                         accountants in connection with such financial
                         statements has been made in accordance with generally
                         accepted auditing standards, and that such audit
                         provides a reasonable basis for such opinion in the
                         circumstances, and

                 (2)     a certificate of such accountants stating that they
                         have reviewed this Guaranty and stating further
                         whether, in making their audit, they have become aware
                         of any condition or event that then constitutes a Lease
                         Default or a Lease Event of Default, and, if they are
                         aware that any such condition or event then exists,
                         specifying the nature and period of the existence
                         thereof (it being understood that such accountants
                         shall not be liable, directly or indirectly, for any
                         failure to obtain knowledge of any Lease Default or
                         Lease Event of Default unless such accountants should
                         have obtained knowledge thereof in making an audit in
                         accordance with generally accepted auditing standards
                         or did not make such an audit);"

     Section 3.  Representations and Warranties.  The Guarantor represents and
                 ------------------------------
warrants to the Lessor that (a) this Amendment has been duly and validly
executed and delivered by the Guarantor and constitutes the Guarantor's legal,
valid binding obligation, enforceable against the Guarantor in accordance with
its terms, and (b) no Lease Default or Lease Event of Default has occurred and
is continuing. It shall be a Lease Event of Default for all purposes of the
Guaranty, as amended hereby, if any representation, warranty or certification
made by the Guarantor in this Amendment shall
<PAGE>

prove to have been false or misleading as of the time made or furnished in any
material respect.

     Section 4.  Conditions To Effectiveness.  The amendment to the Guaranty set
                 ---------------------------
forth in Section 2 hereof shall become effective, as of the date hereof, upon
the receipt by the Guarantor and the Lessor of this Amendment, duly executed and
delivered by the parties hereto, and consented to by the Obligees as required by
Section 6.5 of the Guaranty.

     Section 5.  Documents Otherwise Unchanged.  Except as herein provided, the
                 -----------------------------
Guaranty shall remain unchanged and in full force and effect, and each reference
to the Guaranty and words of similar import in the Guaranty, as amended hereby,
and in the other Operative Documents to which the Guarantor is a party shall be
a reference to the Guaranty as amended hereby and as the same may be further
amended, supplemented and otherwise modified and in effect from time to time.

     Section 6. Counterparts. This Amendment may be executed in any number of
                ------------
counterparts, each of which shall be identical and all of which, when taken
together, shall constitute one and the same instrument, and any of the parties
hereto may execute this Amendment by signing any such counterpart manually or by
facsimile.

     Section 7. Expenses. Without limiting its obligations under the Guaranty,
                --------
the Guarantor agrees to pay, on demand, all reasonable out-of-pocket costs and
expenses of the Lessor and the Obligees (including legal fees and disbursements)
incurred in connection with the negotiation, preparation, execution and delivery
of this Amendment.

     Section 8.  Binding Effect.  This Amendment shall be binding upon and inure
                 --------------
to the benefit of the parties hereto and their respective successors and
assigns.

     Section 9.  Governing Law.  This Amendment shall be governed by, and
                 -------------
construed in accordance with, the law of the State of New York.
<PAGE>

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

                              GUARANTOR
                              ---------
                              CAPITAL ONE BANK

                                   /s/ Stephen Linehan
                              By:-----------------------------------
                              Name: Stephen Linehan
                              Title: Manager, Corporate Funding

                              LESSOR
                              ------
                              FIRST SECURITY BANK, N.A., as Owner Trustee

                                   /s/ Val T. Orton
                              By:-----------------------------------
                              Name: Val T. Orton
                              Title: Vice President

                              /s/  Val T. Orton
                              --------------------------------------
                              Val T. Orton, as Owner Trustee

                              Consented hereto by:

                              OBLIGEES
                              --------

                              AMERICAN GENERAL ANNUITY
                              INSURANCE COMPANY

                              ALL AMERICAN LIFE INSURANCE COMPANY

                              AMERICAN GENERAL LIFE INSURANCE
                              COMPANY OF NEW YORK
<PAGE>

                              AMERICAN GENERAL ASSURANCE COMPANY

                                        /S/
                              By:____________________________
                              Name:
                              Title:

                              LIFE REASSURANCE CORPORATION OF
                               AMERICA

                                        /S/
                              By:___________________________
                              Name:
                              Title:

                              SUNAMERICA LIFE INSURANCE COMPANY

                                        /S/
                              By:___________________________
                              Name:
                              Title:

                              J. ROMEO & CO.

                                        /S/
                              By:___________________________
                              Name:
                              Title:

                              GENERAL AMERICAN LIFE INSURANCE
                               COMPANY

                                        /S/
                              By:___________________________
                              Name:
                              Title:
<PAGE>

                              AMERICAN INVESTORS LIFE INSURANCE
                               COMPANY

                                        /S/
                              By:___________________________
                              Name:
                              Title:

                              RELIASTAR UNITED SERVICES LIFE
                               INSURANCE COMPANY

                                        /S/
                              By:_____________________________
                              Name:
                              Title:

                              RELIASTAR LIFE INSURANCE COMPANY

                                        /S/
                              By:___________________________
                              Name:
                              Title:

                              NORTHERN LIFE INSURANCE COMPANY

                                        /S/
                              By:___________________________
                              Name:
                              Title:

                              COVA FINANCIAL SERVICES LIFE
                               INSURANCE COMPANY

                                        /S/
                              By:___________________________
                              Name:
                              Title:
<PAGE>

                              HARE & CO.

                                        /S/
                              By:___________________________
                              Name:
                              Title:

                              AUSA LIFE INSURANCE COMPANY, INC.

                                        /S/
                              By:___________________________
                              Name:
                              Title:

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