Document:

EXHIBIT 10.12

                          CONSULTING SERVICES AGREEMENT

This Consulting Services Agreement ("Agreement"), dated July 28, 2005, is made
by and between Anthony John Doyle ("Consultant"), and Nannaco, Inc., a Texas
corporation ("Client").

      WHEREAS, Consultant has extensive background in the area of financial
consulting and in the implementation of emerging business development
strategies;

      WHEREAS, Consultant desires to be engaged by Client to provide consulting
services regarding industry specific market analysis and business development
strategy to Client on the terms and subject to the conditions set forth herein
(the "Services");

      WHEREAS, Client is a publicly held corporation with its common stock
shares trading on the Over the Counter Bulletin Board under the ticker symbol
"NNNC," and desires to further develop its business; and

      WHEREAS, Client desires to engage Consultant to provide the Services in
its area of knowledge and expertise on the terms and subject to the conditions
set forth herein.

      NOW, THEREFORE, in consideration for those services Consultant provides to
Client, the parties agree as follows:

1.    Services of Consultant.

      Consultant agrees to perform for Client the Services. As such Consultant
will provide bona fide services to Client. The services to be provided by
Consultant will not be in connection with the offer or sale of securities in a
capital-raising transaction, and will not directly or indirectly promote or
maintain a market for Client's securities.

2.    Consideration.

      Client agrees to pay Consultant, as his fee and as consideration for
services provided, 20,000,000 shares of common stock of the Client, which shares
shall be registered on Form S-8 with the United States Securities and Exchange
Commission (the "SEC") issued to Anthony John Doyle, the natural person
performing the consulting services for Client. All shares and certificates
representing such shares shall be subject to applicable SEC, federal, state
(Blue sky) and local laws and additional restrictions set forth herein.

3.    Confidentiality.

      Each party agrees that during the course of this Agreement, information
that is confidential or of a proprietary nature may not be disclosed to any
other party, including, but not limited to, product and business plans,
software, technical processes and formulas, source codes, product designs,

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sales, costs and other unpublished financial information, advertising revenues,
usage rates, advertising relationships, projections, and marketing data
("Confidential Information"). Confidential Information shall not include
information that the receiving party can demonstrate (a) is, as of the time of
its disclosure, or thereafter becomes part of the public domain through a source
other than the receiving party, (b) was known to the receiving party as of the
time of its disclosure, (c) is independently developed by the receiving party,
or (d) is subsequently learned from a third party not under a confidentiality
obligation to the providing party.

4.    Late Payment.

      Client shall pay to Consultant all fees within fifteen (15) days of the
due date. Failure of Client to finally pay any fees within fifteen (15) days
after the applicable due date shall be deemed a material breach of this
Agreement, justifying suspension of the performance of the Services provided by
Consultant, will be sufficient cause for immediate termination of this Agreement
by Consultant. Any such suspension will in no way relieve Client from payment of
fees, and, in the event of collection enforcement, Client shall be liable for
any costs associated with such collection, including, but not limited to, legal
costs, attorneys' fees, courts costs, and collection agency fees.

5.    Indemnification.

(a)   Client.

      Client agrees to indemnify, defend, and shall hold harmless Consultant
and/or his agents, and to defend any action brought against said parties with
respect to any claim, demand, cause of action, debt or liability, including
reasonable attorneys' fees to the extent that such action arises out of the
negligence or willful misconduct of Client.

(b)   Consultant.

      Consultant agrees to indemnify, defend, and shall hold harmless Client,
its directors, employees and agents, and defend any action brought against same
with respect to any claim, demand, cause of action, debt or liability, including
reasonable attorneys' fees, to the extent that such an action arises out of the
gross negligence or willful misconduct of Consultant.

(c)   Notice.

      In claiming any indemnification hereunder, the indemnified party shall
promptly provide the indemnifying party with written notice of any claim, which
the indemnified party believes falls within the scope of the foregoing
paragraphs. The indemnified party may, at its expense, assist in the defense if
it so chooses, provided that the indemnifying party shall control such defense,
and all negotiations relative to the settlement of any such claim. Any
settlement intended to bind the indemnified party shall not be final without the
indemnified party's written consent, which shall not be unreasonably withheld.

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6.    Termination and Renewal.

(a)   Term.

      This Agreement shall become effective on the date appearing next to the
signatures below and terminate twelve (12) months thereafter (the "Term").
Unless otherwise agreed upon in writing by Consultant and Client or otherwise
provided herein, any amendment to this Agreement shall automatically have the
effect of extending the Term of the Agreement until the later of one hundred
eighty (180) days following the original Term or for an additional one hundred
eighty (180) days following the date of such amendment.

(b)   Termination.

      Either party may terminate this Agreement on thirty (30) calendar days
written notice, or if prior to such action, the other party materially breaches
any of its representations, warranties or obligations under this Agreement.
Except as may be otherwise provided in this Agreement, such breach by either
party will result in the other party being responsible to reimburse the
non-defaulting party for all costs incurred directly as a result of the breach
of this Agreement, and shall be subject to such damages as may be allowed by law
including all attorneys' fees and costs of enforcing this Agreement.

(c)   Termination and Payment.

      Upon any termination or expiration of this Agreement, Client shall pay all
unpaid and outstanding fees through the effective date of termination or
expiration of this Agreement. And upon such termination, Consultant shall
provide and deliver to Client any and all outstanding services due through the
effective date of this Agreement.

7.    Miscellaneous.

(a)   Independent Contractor.

      This Agreement establishes an "independent contractor" relationship
between Consultant and Client.

(b)   Rights Cumulative; Waivers.

      The rights of each of the parties under this Agreement are cumulative. The
rights of each of the parties hereunder shall not be capable of being waived or
varied other than by an express waiver or variation in writing. Any failure to
exercise or any delay in exercising any of such rights shall not operate as a
waiver or variation of that or any other such right. Any defective or partial
exercise of any of such rights shall not preclude any other or further exercise
of that or any other such right. No act or course of conduct or negotiation on
the part of any party shall in any way preclude such party from exercising any
such right or constitute a suspension or any variation of any such right.

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(c)   Benefit; Successors Bound.

      This Agreement and the terms, covenants, conditions, provisions,
obligations, undertakings, rights, and benefits hereof, shall be binding upon,
and shall inure to the benefit of, the undersigned parties and their heirs,
executors, administrators, representatives, successors, and permitted assigns.

(d)   Entire Agreement.

      This Agreement contains the entire agreement between the parties with
respect to the subject matter hereof. There are no promises, agreements,
conditions, undertakings, understandings, warranties, covenants or
representations, oral or written, express or implied, between them with respect
to this Agreement or the matters described in this Agreement, except as set
forth in this Agreement. Any such negotiations, promises, or understandings
shall not be used to interpret or constitute this Agreement.

(e)   Assignment.

      Neither this Agreement nor any other benefit to accrue hereunder shall be
assigned or transferred by either party, either in whole or in part, without the
written consent of the other party, and any purported assignment in violation
hereof shall be void.

(f)   Amendment.

      This Agreement may be amended only by an instrument in writing executed by
all the parties hereto.

(g)   Severability.

      Each part of this Agreement is intended to be severable. In the event that
any provision of this Agreement is found by any court or other authority of
competent jurisdiction to be illegal or unenforceable, such provision shall be
severed or modified to the extent necessary to render it enforceable and as so
severed or modified, this Agreement shall continue in full force and effect.

(h)   Section Headings.

      The Section headings in this Agreement are for reference purposes only and
shall not affect in any way the meaning or interpretation of this Agreement.

(i)   Construction.

      Unless the context otherwise requires, when used herein, the singular
shall be deemed to include the plural, the plural shall be deemed to include
each of the singular, and pronouns of one or no gender shall be deemed to
include the equivalent pronoun of the other or no gender.

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<PAGE>

(j)   Further Assurances.

      In addition to the instruments and documents to be made, executed and
delivered pursuant to this Agreement, the parties hereto agree to make, execute
and deliver or cause to be made, executed and delivered, to the requesting party
such other instruments and to take such other actions as the requesting party
may reasonably require to carry out the terms of this Agreement and the
transactions contemplated hereby.

(k)   Notices.

      Any notice which is required or desired under this Agreement shall be
given in writing and may be sent by personal delivery or by mail (either a.
United States mail, postage prepaid, or b. Federal Express or similar generally
recognized overnight carrier), addressed as follows (subject to the right to
designate a different address by notice similarly given):

If to Client:        Nannaco, Inc.
                     4916 Point Fosdick Dr., Suite 102
                     Gig Harbor, WA 98335

With a copy to:      David M. Otto
                     The Otto Law Group, PLLC
                     900 4th Ave., Suite 3140
                     Seattle, Washington 98164

If to Consultant:    Aston House
                     19 Peel Road,
                     Douglas,
                     Isle of Man, IM1 4LS
                     Great Britain

(l)   Governing Law.

      This Agreement shall be governed by the interpreted in accordance with the
laws of the State of Washington without reference to its conflicts of laws rules
or principles. Each of the parties consents to the exclusive jurisdiction of the
federal courts of the State of Washington in connection with any dispute arising
under this Agreement and hereby waives, to the maximum extent permitted by law,
any objection, including any objection based on forum non coveniens, to the
bringing of any such proceeding in such jurisdictions.

(m)   Consents.

      The person signing this Agreement on behalf of each party hereby
represents and warrants that he has the necessary power, consent and authority
to execute and deliver this Agreement on behalf of such party.

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<PAGE>

(n)   Survival of Provisions.

      The provisions contained in paragraphs 3, 5, 6, and 7 of this Agreement
shall survive the termination of this Agreement.

(o)   Execution in Counterparts.

      This Agreement may be executed in any number of counterparts, each of
which shall be deemed an original and all of which together shall constitute one
and the same agreement.

      IN WITNESS WHEREOF, the parties have caused this Agreement to be executed
and have agreed to and accepted the terms herein on the date written above.

                                          CLIENT:

                                          NANNACO, INC.

                                          By:
                                             ---------------------------
                                             Name: Steve Careaga
                                             Its:  CEO

                                          CONSULTANT:

                                          ANTHONY JOHN DOYLE

                                          By:
                                             ---------------------------
                                             Name: Anthony John Doyle

                                       6Unassociated Document

    EXHIBIT
      10.3

     

     

    Director*
      Compensation Summary

    

    

    2005
      Annual Retainer

    

    $10,000
      paid in equal quarterly installments

    

    Meeting
      Fees

    

    For
      each
      meeting of the board of directors of Greene County Bancshares, Inc. (the
      "Company") a director receives $600, including payment for up to three missed
      meetings. Directors must be present at special meetings to be paid.

    

    For
      each
      meeting of the board of directors of Greene County Bank (the "Bank") a director
      receives $600, including payment for up to three missed meetings.

    

    Committee
      Meeting Fees

    

    Members
      of the Executive Committee of the Bank's board of directors receive $450 for
      each twice-monthly meeting of the Executive Committee that they attend. Each
      of
      the two permanent members of the Executive Committee, Messrs Bachman and
      Daniels, also receive an annual retainer of $1,500, payable in equal quarterly
      installments.

    

    Members
      of the joint Audit Committee of the Bank's and the Company's boards of directors
      receive $450 per meeting as well as an annual retainer fee of $1,500 paid in
      equal quarterly installments. The chairman of the Audit Committee also receives
      an annual retainer of $3,000.

    

    Directors
      receive $300 per meeting for all other committee meetings attended.

    

    Deferred
      Compensation

    

    Directors
      are permitted to defer their director fees pursuant to deferred compensation
      plans adopted by the Bank and the Company. Under the original deferred
      compensation plan, interest is credited on the account balances of the
      participating directors monthly by the Bank at an annual rate of 10% compounded
      monthly until a separation from service, and, thereafter, at an annual rate
      of
      7.5% compounded monthly. Under the second plan, which was adopted in September
      2004, directors are permitted to defer additional board and committee meeting
      fees, beyond those being deferred under the original plan, into certain
      investment vehicles, including a “deemed” investment in the Company’s common
      stock.

    

    Equity
      Incentives

    

    Each
      director is eligible to participate in the Company's 2004 Long-Term Incentive
      Plan. 

    

    
      
        	 	 	 

      

    

    *Includes
      directors that are also employees of the Company or the Bank.

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    Named
      Executive Officer Compensation Summary

    

    

    The
      following base salaries have been approved for payment to those persons who
      were
      the Company's named executive officers for the year ended December 31,
      2004:

    

    

    

    
      	
              Name:

            	
              Title:

            	 	
              Salary:

            
	 	 	 	 
	
              R.
                Stan Puckett

            	
              Chairman
                of the Board and Chief Executive Officer of the Company and the
                Bank

            	 	
              $250,000

            
	 	 	 	 
	
              Kenneth
                R. Vaught

            	
              President
                and Chief Operating Officer of the Company and the Bank

            	 	
              $185,000

            
	 	 	 	 
	
              Steve
                L. Droke

            	
              Senior
                Vice President and Chief Credit Officer of the Bank

            	 	
              $142,000

            
	 	 	 	 
	
              William
                F. Richmond

            	
              Senior
                Vice President, Chief Financial Officer and Assistant Secretary of
                the
                Company and the Bank

            	 	
              $141,270

            
	 	 	 	 
	
              Ronald
                E. Mayberry

            	
              Regional
                President Sumner, Rutherford and Lawrence Counties

            	 	
              $165,000

            

    

    

    Bonus

    

    Each
      named executive officer is also eligible to participate in the Company's cash
      bonus plan. Any bonus earned is typically paid in the first quarter of the
      year
      following the year in which the bonus is earned.

    

    Equity
      Based Incentives

    

    The
      named
      executive officers are also eligible to participate in the Company's 2004
      Long-Term Incentive Plan and Mr. Puckett's employment agreement provides that
      he
      is to be awarded annually options to purchase 9,000 shares of the Company's
      common stock at an exercise price equal to 150% of book value at the time of
      grant. 

    

    Benefits

    

    The
      named
      executive officers are also eligible to participate in the Company’s and the
      Bank’s broad-based benefit programs generally available to the Company’s and the
      Bank’s employees, including the health, disability and life insurance
      programs.

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    Additional
      Information

    

    The
      foregoing information is summary in nature. Additional information regarding
      director and named executive officer compensation has been included in the
      Company's proxy statement for the Company's 2005 annual meeting of shareholders
      filed with the Securities and Exchange Commission on March 25,
      2005.

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