Document:

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                                                                    Exhibit 10.8

Consulting Agreement (this "Agreement") made this 21st day of January 2003
between Wire One Technologies, Inc., a Delaware corporation having its principal
office at 225 Long Avenue, Hillside, New Jersey 07205 (hereinafter "Wire One"),
and Kelly Harman, 7605 Croydon Place, Manassas, VA 20109 (hereinafter
"Consultant").

Whereas, Consultant is currently employed by Wire One as Vice President -
Marketing under an agreement dated January 2, 2001, as amended July 30, 2002
(collectively, the "Employment Agreement");

Whereas, Consultant and Wire One have determined it to be in their mutual best
interests to terminate the term of the Employment Agreement, simultaneous with
the commencement of Consultant's engagement as a consultant.

Now Therefore, in consideration of their mutual promises made herein, and for
other good and valuable consideration, the parties hereby agree as follows:

1.   Termination of Term of Employment Agreement; Commencement of Consultancy
     Term. (a) The term of the Employment Agreement shall terminate on January
     31, 2003 (the "Employment Agreement Termination Date"). Consultant
     acknowledges that she shall not, either upon or otherwise by virtue of such
     termination, become entitled to receive any severance compensation of any
     nature whatsoever. (b) The term of Consultant's services under this
     Agreement (the "Consultancy Term") shall commence upon the day following
     the Employment Agreement Termination Date and shall, subject to Paragraph 5
     below, terminate on December 31, 2003.

2.   Consultant Services. Consultant shall assist Wire One's management in the
     development, marketing and sales of the products and services offered from
     time to time by Wire One, including participation in (a) the preparation of
     marketing materials for such products and services, (b) the training of
     Wire One's sales force and independent sales agents with respect to such
     products and services and (c) the Company's public relations efforts.
     Consultant shall be available to Wire One at least 20 hours per week for
     her performance of services under this Agreement and shall devote first
     priority to her responsibilities to Wire One among all of her professional
     responsibilities.

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3.   Compensation. As compensation for Consultant's services under this
     Agreement, Wire One shall (a) pay Consultant a cash fee, with respect to
     each calendar month of the Consultancy Term, in the amount of $8,000 per
     month (the "Cash Fee"), payable on the fifteenth day of each such month,
     and (b) permit Consultant to retain the stock options granted to her during
     her employment by Wire One, provided that the vesting of such stock options
     shall cease upon any termination of the Consultancy Term in accordance with
     Paragraph 5 below. Consultant's rights as an optionee shall continue to be
     governed by the terms of the associated stock option agreements currently
     in effect and the 2000 Stock Incentive Plan. Wire One shall, in addition to
     Consultant's compensation, reimburse Consultant for any reasonable expenses
     incurred by Consultant in the performance of her duties under this
     agreement, upon submission of evidence thereof reasonably satisfactory to
     Wire One.

4.   Information; Work Product. From time to time as requested by Consultant,
     Wire One shall furnish to Consultant any information that is reasonably
     required to enable Consultant to perform her duties under this agreement.
     Consultant shall not disclose any confidential information furnished to her
     by Wire One unless, and then only to the extent that, such disclosure is
     legally required. Any compilation of data, work product, work of authorship
     and other materials created or produced by Consultant within the scope of
     her duties under this agreement shall be the sole and exclusive property of
     Wire One.

5.   Consultant's Other Endeavors. Wire One acknowledges that Consultant plans
     to pursue employment or consultancy engagements by parties other than Wire
     One ("Other Endeavors") and that Consultant shall (subject to the final
     sentence of Paragraph 2 above) have the unrestricted right to pursue Other
     Endeavors, whether or not any such Other Endeavor results in a conflict of
     interest with the interests of Wire One (a "Conflict"). If Consultant
     secures any Other Endeavor (of which Consultant shall promptly notify Wire

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     One, for purposes of both this Paragraph 5 and of Paragraph 1 (b) above),
     (a) Consultant shall have the right to terminate the Consultancy Term
     effective upon not less than ten days' prior written notice to Wire One and
     (b) if Wire One reasonably determines that such Other Endeavor results in a
     Conflict, Wire One shall have the right to terminate the Consultancy Term
     effective upon not less than ten days' prior written notice to Consultant;
     without limitation of the foregoing, Consultant acknowledges that any Other
     Endeavor that entails her participation in the training of any members of
     the sales force of any other organization (whether manufacturer, dealer or
     otherwise) in the video communications industry shall, unless otherwise
     agreed in writing by Wire One, result in a Conflict. In the event of any
     such termination, the Cash Fee for the calendar month within which such
     termination becomes effective shall be adjusted pro rata to reflect the
     resulting partial calendar month of the Consultancy Term (it being
     understood that, if Consultant has already received payment of the full
     Cash Fee for such calendar month, Consultant shall refund to Wire One a pro
     rata portion thereof corresponding to the portion of such month remaining
     following the effective date of such termination).

6.   Miscellaneous. This agreement is made in the State of New Jersey and shall
     be governed by New Jersey law. This agreement constitutes the entire
     agreement, and shall supersede any prior or contemporaneous agreement, oral
     or written, between the parties hereto regarding Consultant's services to
     Wire One as an employee or consultant following the Employment Agreement
     Termination Date (it being understood that the provisions of the Employment
     Agreement that survive the termination of the "Employment Period"
     thereunder shall remain in full force and effect) and may not be modified
     or amended except by a written document signed by the party against whom
     enforcement is sought. The relationship of Consultant to Wire One is solely
     that of independent contractor and nothing herein shall be deemed to place
     the parties in any other or different relationship, including but not
     limited to

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     that of employer-employee, principal-agent, or as partners in a joint
     venture. This agreement may be signed in more than one counterpart, in
     which case each counterpart shall constitute an original of this agreement.

IN WITNESS WHEREOF, the parties have signed this agreement as of the day and
year first above written.

                                   WIRE ONE TECHNOLOGIES, INC.

                                   By: /s/
                                       ----------------------------------------

                                   /s/
                                   --------------------------------------------
                                                     Kelly HarmanFebruary 14, 2003

Securities and Exchange Commission
450 West Fifth Street, N.W.
Washington, D.C. 20549

Ladies and Gentlemen:

We hereby consent to the inclusion of our Report of Independent Certified Public
Accountants for International Financial Group, Inc. dated February 10, 2003, for
the financial statements of July 31, 2002 and 2001 and the years then ended.

/s/ Miller and McCollom

MILLER AND MCCOLLOM
4350 Wadsworth Boulevard, Suite 300
Wheat Ridge, Colorado 80033<PAGE>

                        SECURITY FINANCIAL BANCORP, INC.
                          TAX INDEMNIFICATION AGREEMENT

     This AGREEMENT (this "Agreement") is made effective as of December 30,
2002, by and between Security Financial Bancorp, Inc. (the "Company"), a
corporation organized under the laws of Delaware with its principal offices at
9321 Wicker Avenue, St. John, Indiana 46373 and John P. Hyland ("Executive").

     WHEREAS, the Company wishes to provide Executive with indemnification for
taxes payable by Executive by reason of Section 280G and 4999 of the Internal
Revenue Code of 1986, as amended.

     NOW, THEREFORE, upon the terms and conditions hereinafter provided, the
parties hereby agree as follows:

1.   TERM.

     This Agreement shall be in effect with respect to payments made in
connection with any "change in control or ownership" (as such phase is defined
under Section 280G of the Internal Revenue Code of 1986, as amended (the
"Code")), occurring on or prior to December 31, 2005.

2.   For any taxable year in which Executive shall be liable for the payment of
an excise tax under Section 4999 of the Code (or any successor provision
thereto), with respect to any payment in the nature of compensation made by the
Company, Security Federal Bank & Trust (the "Bank") or their affiliates or
successors to (or for the benefit of) Executive pursuant to any agreement or
otherwise (including this Agreement), the Company or its successors shall pay to
Executive an amount determined under the following formula:

     An amount equal to: (E x P) + X

WHERE:

     X    =                        E x P
              ----------------------------------------------
              1 - [(FI x (1 - SLI)) + SLI + E [+ M + PO]]

     E    =   the rate at which the excise tax is assessed under Section 4999
              of the Code; and

     P    =   the amount with respect to which such excise tax is assessed,
              determined without regard to this Section 2; and

     FI   =   the highest marginal rate of federal income, employment, and other
              taxes (other than taxes imposed under Section 4999 of the Code)
              applicable to Executive for the taxable year in question; and

                                       1

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     SLI  =   the sum of the highest marginal rates of income and payroll tax
              applicable to Executive under applicable state and local laws for
              the taxable year in question; and

     M    =   highest marginal rate of Medicare tax; and

     PO   =   adjustment for phase out of or loss of deduction, personal
              exemption or other similar items.

With respect to any payment in the nature of compensation that is made to (or
for the benefit of) Executive under the terms of this Agreement or otherwise and
on which an excise tax under Section 4999 of the Code will be assessed, the
payment determined under this Section 2 shall be made to Executive on the
earliest of (i) the date the Company is required to withhold such tax, (ii) the
date the tax is required to be paid by Executive, or (iii) at the time of the
change in control or ownership (as such phrase is defined under Section 280G of
the Code or the regulations promulgated thereunder). Notwithstanding anything in
this Agreement to the contrary, it is the intention of the parties that the
Company or its successors provide Executive with a full tax gross-up under the
provisions of this Agreement, such that on a net after-tax basis, the result to
Executive shall be the same as if the excise tax under Section 4999 (or any
successor provisions) of the Code had not been imposed. The tax gross-up may be
adjusted if alternative minimum tax rules are applicable to Executive.

     Notwithstanding the foregoing, if it shall subsequently be determined in a
final judicial determination or a final administrative settlement to which
Executive is a party that the excess parachute payment as defined in Section
4999 of the Code, reduced as described above, is more than the amount determined
as "P," above (such greater amount being hereafter referred to as the
"Determinative Excess Parachute Payment") then the Company's independent
accountants shall determine the amount (the "Adjustment Amount") the Company
must pay to Executive, in order to put Executive (or the Company, as the case
may be) in the same position as Executive (or the Company, as the case may be)
would have been if the amount determined as "P" above had been equal to the
Determinative Excess Parachute Payment. In determining the Adjustment Amount,
the independent accountants shall take into account any and all taxes (including
any penalties and interest) paid by or for Executive or refunded to Executive or
for Executive's benefit. As soon as practicable after the Adjustment Amount has
been so determined, the Company shall pay the Adjustment Amount to Executive.

     In each calendar year that Executive receives payments or benefits under
any arrangement with the Company, the Bank, their affiliates or successors,
Executive shall report on his state and federal income tax returns such
information as is consistent with the determination made by the independent
accountants of the Company as described above. The Company shall indemnify and
hold Executive harmless from any and all losses, costs and expenses (including
without limitation, reasonable attorney's and other counsel fees, interest,
fines and penalties) which Executive incurs as a result of reporting such
information. Executive shall promptly notify the Company in writing whenever
Executive receives notice of a judicial or administrative proceeding, formal or
informal, in which the federal tax treatment under Section 4999 of the Code of
any amount paid or payable under this Agreement is being reviewed or is in
dispute. The Company shall assume control, at its expense, over all legal and
accounting matters pertaining to such federal tax treatment (except to the
extent necessary or appropriate for

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Executive to resolve any such proceeding with respect to any matter unrelated to
amounts paid or payable pursuant to this Agreement) and Executive shall
cooperate fully with the Company in any such proceeding. Executive shall not
enter into any compromise or settlement or otherwise prejudice any rights the
Company may have in connection therewith without prior consent to the Company.

3.   SEVERABILITY.

     If, for any reason, any provision of this Agreement, or any part of any
provision, is held invalid, such invalidity shall not affect any other provision
of this Agreement or any part of such provision not held so invalid, and each
such other provision and part thereof shall to the full extent consistent with
law continue in full force and effect.

4.   HEADINGS FOR REFERENCE ONLY.

     The headings of sections and paragraphs herein are included solely for
convenience of reference and shall not control the meaning or interpretation of
any of the provisions of this Agreement.

5.   GOVERNING LAW.

     This Agreement shall be governed by the laws of the State of Indiana,
unless pre-empted by federal law.

6.   ARBITRATION.

     Any dispute or controversy arising under or in connection with this
Agreement shall be settled exclusively by arbitration, conducted before a panel
of three arbitrators sitting in a location selected by Executive within fifty
(50) miles from the location of the Bank, in accordance with the rules of the
American Arbitration Association then in effect. Judgment may be entered on the
arbitrator's award in any court having jurisdiction.

7.   PAYMENT OF LEGAL FEES.

     All reasonable legal fees paid or incurred by Executive pursuant to any
dispute or question of interpretation relating to this Agreement shall be paid
or reimbursed by the Company, if Executive is successful pursuant to a legal
judgment, arbitration or settlement.

8.   SUCCESSOR TO THE COMPANY.

     The Company shall require any successor or assignee, whether direct or
indirect, by purchase, merger, consolidation or otherwise, to all or
substantially all the business or assets of the Bank or the Company, expressly
and unconditionally to assume and agree to perform the Company's obligations
under this Agreement, in the same manner and to the same extent that the Company
would be required to perform if no such succession or assignment had taken
place.

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                                   SIGNATURES

     IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of
and on the date first written above.

ATTEST:                                 SECURITY FINANCIAL BANCORP, INC.

/s/ Edwina Golec                        By: /s/ John Wm. Palmer
-----------------------------------         ------------------------------------
                                            For the Entire Board of Directors

           [SEAL]

WITNESS:                                    EXECUTIVE

/s/ Joann Halterman                         /s/ John P. Hyland
-----------------------------------         -----------------------------------

                                            John P. Hyland

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