Document:

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                                                                  EXHIBIT 10(f)

                         FIDELITY SOUTHERN CORPORATION
                                 FIDELITY BANK
                              EMPLOYMENT AGREEMENT

         THIS EMPLOYMENT AGREEMENT ("Agreement") is entered into as of the 18th
day of December, 2003, by and among FIDELITY SOUTHERN CORPORATION ("Fidelity"),
a Georgia Corporation, FIDELITY BANK ("Bank"), a Georgia corporation, and JAMES
B. MILLER, JR. ("Miller").

         WHEREAS, Miller is the Chairman and Chief Executive Officer of
Fidelity and Chairman of the Bank;

         WHEREAS, Fidelity agrees to continue to employ Miller as its Chief
Executive Officer and as the Chairman of the Bank, subject to his election, to
provide the services set forth herein; and

         WHEREAS, Miller agrees to accept such employment and to continue to
provide such services in accordance with the terms and conditions of this
Agreement;

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

         1.       EMPLOYMENT/DUTIES.

                  (a)      Fidelity shall employ Miller as the President and
Chief Executive Officer of Fidelity during the term of his employment as set
forth in this Agreement and Miller hereby accepts such employment. Miller also
agrees to serve as the Chairman of the Board of Directors of Fidelity and of
the Bank upon his election to such positions.

                  (b)      Miller shall be the senior executive officer of
Fidelity and shall be responsible for the day-to-day operations of the business
of Fidelity and shall have such authority consistent with such positions and
necessary for the conduct of such business under the general direction of the
Board of Directors of Fidelity ("Board").

                  (c)      Miller agrees that he will at all times and to the
best of his ability and experience faithfully perform all of the duties that
may be required of him pursuant to the terms of this Agreement and shall comply
with all policies and procedures adopted by the Board of Directors or any
committee thereof. Miller shall devote his full business time to the
performance of his obligations hereunder.

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                  (d)      The term of employment of Miller shall be for an
initial term of three (3) years and may be extended upon written agreement of
the parties.

                  (e)      Employment hereunder shall commence on January 1,
2004.

                  (f)      This Agreement shall not prohibit Miller from
serving as a director of other businesses and as a member of any committee of
the board of directors thereof.

         2.       COMPENSATION.

                  (a)      Base Salary. During the term of the employment of
Miller hereunder, Fidelity and Bank will pay to Miller an aggregate base salary
("Base Salary") at the rate of $300,000 per year, payable in arrears in equal
semi-monthly payments, subject to applicable withholdings and deductions. In
the event of the disability of Miller, to the extent payments are received by
him under any employer sponsored disability program and/or under any policy the
premiums of which are paid by Fidelity or Bank, the payments hereunder are to
be reduced by an amount equal to such disability payments.

                  (b)      Incentive Compensation. Fidelity and Bank shall pay
to Miller the incentive compensation ("Incentive Compensation") determined as
set forth in Attachment A hereto. Miller shall be eligible to participate in
incentive plans and programs hereafter adopted as determined by the Board or
the Compensation Committee of the Board.

                  (c)      Employee Benefit Programs. Miller shall be eligible
to participate in all employee benefit programs, including medical and
hospitalization programs, now or hereafter made available by Fidelity to its
employees and/or executives, subject to terms and conditions of such programs,
including eligibility. It is understood that Fidelity reserves the right to
modify and rescind any program or adopt new programs in its sole discretion.

                  (d)      Life Insurance for Fidelity. Fidelity may, in its
sole discretion, maintain key man life insurance on the life of Miller and
designate Fidelity as the beneficiary. Miller agrees to execute any documents
necessary to effect the issuance of such policy. Miller hereby acknowledges
that he has consented to the purchase and maintenance by Fidelity of the Split
Dollar Insurance Plan ("Split Dollar Plan") in the face amount of $2,000,000
dated October 3, 1984 (including all amendments and replacement and substitute
policies, as hereafter mutually agreed in writing). In addition, Fidelity and
Bank agree to maintain the Flexible Premium Adjustable Life Insurance,
Universal Life, policy issued by Great-West Life & Annuity Insurance Company
("Great-West") in the face amount of $6 million payable to beneficiaries
designated by Miller or his estate in lieu thereof, at all times hereafter,
regardless of the termination of this Agreement or Miller's employment
hereunder, including terminations pursuant to Section 3. The policies purchased
and maintained by Fidelity under the Split Dollar Plan and the policy purchased
and maintained by Fidelity with Great West, or any substituted policies, shall
be maintained by Fidelity at all times hereafter, including after the
termination of this Agreement or Miller's employment hereunder.

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                  (e)      Additional Benefits. The Non-Qualified Stock Option
dated September 18, 1997, shall continue in effect and shall not be affected by
any modification or termination of this Agreement.

                  (f)      Vacation. Miller is entitled to five (5) weeks
vacation each year. Vacation shall be taken at such times as not to materially
interfere with the business of Fidelity. The vacation time must be taken prior
to the end of each calendar year or as otherwise mutually agreed in writing,
otherwise it expires to the extent not taken.

                  (g)      Expenses. Fidelity shall pay all reasonable expenses
incurred by Miller in the performance of his responsibilities and duties for
Fidelity, including without limitation, dues payable to the Atlanta Athletic
Club and the Capital City Club and to such reasonable civic organizations of
Miller's choice. Miller shall submit to Fidelity periodic statements of all
expenses so incurred in accordance with the policies of Fidelity then in
effect. Subject to such reviews as Fidelity may deem reasonably necessary,
Fidelity shall, promptly in the ordinary course of business, reimburse Miller
for the full amount of all such expenses advanced by Miller.

                  (h)      Automobile. Fidelity will continue to provide Miller
with an appropriate automobile for his use and will maintain and insure it at
Fidelity's expense.

         3.       EARLY TERMINATION.

                  (a)      For Cause. (i) Notwithstanding the foregoing, the
Board may terminate the employment of Miller "for cause" (as hereinafter
defined) at any time upon 10 business days' prior written notice. The term "for
cause" shall mean (A) the commission of a felony or any other crime involving
moral turpitude or the pleading of nolo contendere to any such act, (B) the
commission of any act or acts of dishonesty when such acts are intended to
result or result, directly or indirectly, in gain or personal enrichment of
Miller or any related person or affiliated company and are intended to cause
harm or damage to Fidelity, the Bank or their subsidiaries, (C) the illegal use
of controlled substances, (D) the misappropriation or embezzlement of assets of
Fidelity, the Bank or their subsidiaries, or (E) the breach of any other
material term or provision of this Agreement to be performed by Miller which
have not been cured within thirty (30) days of receipt of written notice of
such breach from the Board or the board of directors of the Bank.

                           (ii)     Upon termination for cause, Fidelity and
Bank shall have no further obligation to pay any compensation to Miller or make
available to Miller participation under any employee benefit program for
periods after the effective date of the termination for cause. In such event,
Incentive Compensation is payable only for the periods of employment. Salary
which accrued to the termination date shall be paid on the normal payment date.

                  (b)      Other Termination by Fidelity. (i) Fidelity and the
Bank may terminate the employment of Miller for any reason (other than for
cause) at any time upon at least 90 days' prior written notice. Upon such
termination, Miller's right to compensation as set forth in Section 2 after the
effective date of the termination shall cease, except that the Base Salary
shall

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be continued to be paid semi-monthly as provided in Section 2(a) for the
remainder of said three years as provided in Section 1(d), the employee
benefits shall be continued as provided in Section 2(c) for thirty-six (36)
months from the date of termination at a cost to Miller not to exceed the
amounts paid by executives for such employee benefits and the Incentive
Compensation for the periods of employment shall be paid as provided in Section
2(b).

                           (ii)     Subsequent to the date of any written
notice of termination provided to Miller pursuant to Section 3(b)(i) or by
Miller to Fidelity pursuant to Section 3(c)(ii), Fidelity shall engage the
independent accounting firm regularly utilized by Fidelity ("Accounting Firm")
to provide to Fidelity and Miller, at Fidelity's expense, a determination of
whether any compensation payable to Miller pursuant to Section 3(b)(i)
constitutes a "parachute payment" ("Parachute Payment") as defined in Section
280G of the Internal Revenue Code of 1986, as amended (the "Code"). If the
Accounting Firm determines that any compensation payable to Miller pursuant to
Section 3(b)(i) constitutes a Parachute Payment, the Accounting Firm shall also
determine: (A) the amount of the excise tax to be imposed under Section 4999 of
the Code; (B) whether Miller would realize a greater amount after Federal and
Georgia income taxes (assuming the highest marginal rates then in effect apply)
if the compensation payable to Miller pursuant to Section 3(b)(i) were reduced
(assuming latest payments are reduced first) so that no amount payable to
Miller hereunder constitutes a Parachute Payment than he would realize after
federal and Georgia income taxes (assuming the highest marginal rates then in
effect apply) and after imposition of the excise tax under Section 4999 of the
Code if the amounts payable to Miller hereunder were not so reduced; and (C),
if the Accounting Firm determines in (B) above that Miller would realize a
higher amount if the compensation payable to Miller were so reduced, the amount
of the reductions. All determinations shall be made on a present value basis.
The Accounting Firm shall provide to Fidelity and to Miller a written report of
its determinations hereunder no later than forty-five (45) days prior to the
termination date. No later than fifteen (15) days following his receipt of the
report from the Accounting Firm, Miller will notify Fidelity in writing of any
disagreement with said report, and, in such case, Fidelity shall direct the
Accounting Firm to promptly discuss its determinations with an accountant or
counsel designated by Miller in his written notice and seek to reach an
agreement regarding same no later than fifteen (15) days prior to the
termination date, with Fidelity and Miller, each bearing the cost of their own
accountants or counsel. If no agreement can be reached within thirty (30) days
after the expiration of said fifteen (15) day period, the matter shall be
promptly submitted to binding arbitration under Section 13 hereof by either
party. The determinations so made shall be binding on the parties. If it is
determined hereunder that Miller would realize a greater amount after Federal
and Georgia income taxes (assuming the highest marginal rates then in effect
apply) if the compensation payable to him pursuant to Section 3(b)(i) were
reduced (assuming latest payments are reduced first) so that no amount payable
to Miller hereunder constitutes a Parachute Payment, then the amounts payable
to Miller pursuant to Section 3(b)(i) shall be so reduced.

------------
Miller

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Fidelity

------------
Bank

                  (c)      Termination by Miller. (i) Miller may terminate his
employment at any time upon at least 90 days' prior written notice to Fidelity
and the Bank. Upon such termination of employment Miller's right to
compensation after the effective date of termination shall cease. The Base
Salary which accrued as of the termination date and the Incentive Compensation

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payable pursuant to Section 2 (b) will be paid after the effective date of
termination under this Section 3(c) on the normal payment dates.

                           (ii)     Notwithstanding the foregoing, if Fidelity
or the Bank fails to perform any of its material obligations hereunder and such
failure continues for sixty (60) days after written notice thereof by Miller to
the Board, termination by Miller of this Agreement for such failure shall be
deemed to constitute a termination by Fidelity and the Bank without cause under
Section 3(b)(i) of this Agreement. A reduction in the responsibilities and
authority of Miller as provided in Section l(b) shall constitute a breach of a
material obligation of Fidelity and Bank hereunder.

                  (d)      Termination Upon Death or Disability.

                           (i)      The employment of Miller shall terminate
upon his death, or (10) business days after written notice by Fidelity of
termination during the continuance of the total disability (as hereinafter
defined) of Miller.

                           (ii)     Upon termination upon death or by Fidelity
upon total disability, Miller's right to compensation after the effective date
of termination shall cease. Base Salary which accrued as of the termination
date will be paid after the effective date of termination under this Section
3(d) on the normal payment date(s) and any Incentive Compensation will be paid
as provided in Section 2(b). Fidelity and Bank shall have no obligation to pay
any compensation for periods after the effective date of such termination under
this Section 3(d).

                           (iii)    The term "total disability" means the
inability of Miller to substantially perform his duties hereunder for a
continuous period of ninety (90) days unless such period is extended in writing
by Fidelity, in which event, for such greater period. Total disability shall be
deemed to commence upon the expiration of such continuous ninety (90) day
period or such greater period, if so extended. In the event of any dispute as
to the "total disability" of Miller or the expiration of said ninety (90) day
period or such greater period, if so extended, the matter shall be resolved by
the decision of a single physician, serving as an arbitrator, mutually selected
or appointed in accordance with the rules of the American Arbitration
Association, Atlanta, Georgia. The decision of the arbitrator shall be binding
on all parties hereto. Miller agrees to submit medical records requested and to
submit to such examination and testing reasonable requested by such physician.

------------
Miller

------------
Fidelity

------------
Bank

                  (e)      Life Insurance Policies. Termination of this
Agreement or the benefits payable hereunder for any reason, including pursuant
to Section 3(a), (b), (c) or (d) hereof, shall not terminate the duty of
Fidelity and Bank to maintain or continue the Split Dollar Plan, or that
certain life insurance policy with Great West pursuant to Section 2(d) hereof,
including any substitute plan or policy hereafter mutually agreed to.

         4.       COVENANT NOT TO COMPETE.

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                  (a)      Miller agrees that for the period commencing on the
date hereof and ending two (2) years after the expiration of the term of his
employment under this Agreement (and if employment is continued thereafter "at
will", then one (1) year after termination of such continued employment with
Fidelity, the Bank or any subsidiary for any reason), Miller will not, alone or
with others, directly or indirectly, own, manage, operate, join, control,
participate in the ownership of, management, operation, or control of, be
employed by, consult with, advise or be connected in any other manner with any
Business (as hereinafter defined) in the counties of Fulton, DeKalb, Cobb,
Gwinnett and Clayton, Georgia ("Territory") other than with Fidelity, the Bank
and their subsidiaries. This covenant not to be compete shall not prohibit
engagements which do not involve, directly or indirectly, the Business.

                  (b)      The term "Business" means the business of banking,
including deposits, checking, lending (including mortgage lending).

                  (c)      Miller acknowledges that the products and services
provided by the Business are being and are intended to be marketed throughout
the Territory.

         5.       NON-SOLICITATIONS OF CUSTOMERS. Miller agrees that during his
employment and the period of twelve months immediately following termination of
his employment for any reason with Fidelity and the Bank by Miller or by
Fidelity, Miller shall not, directly or indirectly, on his own behalf or on
behalf of any other person, including any other business entity, solicit,
contact, call upon, communicate with or attempt to communicate with
(collectively "Solicitation") any customer or prospective customer of Fidelity
or the Bank or of any subsidiary or any representative of any customer or
prospective customer of Fidelity or the Bank or any subsidiary with a view to
the solicitation of the following banking services: deposit, checking and
lending (including mortgage lending); provided that the restrictions set forth
in this Section 5 shall apply only to customers or prospects of Fidelity, the
Bank and of their subsidiaries or representatives thereof with which Miller had
contact while in the employ of Fidelity, the Bank or any subsidiary during the
two year period immediately preceding the Solicitation.

         6.       NON-SOLICITATIONS OF EMPLOYEES. Miller agrees that during his
employment and the period of twelve months immediately following termination of
his employment with Fidelity and the Bank by Miller or by Fidelity for any
reason, Miller shall not, directly or indirectly, on his own behalf or on
behalf of any other person, including any other business entity, solicit, hire
or in any manner encourage employees of Fidelity or the Bank or any subsidiary
thereof, to leave the employ of Fidelity or the Bank or any subsidiary thereof
for an engagement in any capacity by another person or to provide the name of
any such employee to any one who, to the knowledge of Miller, may hire or be
interested in hiring such employee.

         7.       CONFIDENTIALITY.

                  (a)      During the term of Miller's employment with
Fidelity, and at all times thereafter, Miller shall not use or disclose to
others, without the prior written consent of Fidelity or the Bank, any Trade
Secrets (as hereinafter defined) or Confidential Information (as hereinafter
defined) of Fidelity or the Bank, or any subsidiary thereof or any of their
customers,

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except for use or disclosure thereof in the course of the business of Fidelity
or the Bank (or that of any subsidiary), and such disclosure shall be limited
to those who have a need to know.

                  (b)      Upon termination of employment with Fidelity and the
Bank for any reason, Miller shall not take with him any documents or data of
Fidelity or the Bank or any subsidiary or of any customer thereof or any
reproduction thereof and agrees to return any such documents and data in his
possession at that time.

                  (c)      Miller agrees to take reasonable precautions to
safeguard and maintain the confidentiality and secrecy and limit the use of all
Trade Secrets and Confidential Information of Fidelity, the Bank and all
subsidiaries and customers thereof.

                  (d)      Trade Secrets shall include only such information
constituting a "Trade Secret" within the meaning of subsection 10-1-761(4) of
the Georgia Trade Secrets Act of 1990, including as hereafter amended.
Confidential Information shall mean all information and data which is
protectable as a legal form of property or non-public information of Fidelity
or the Bank or their customers, excluding any information or data which
constitutes a Trade Secret.

                  (e)      The parties agree that the limitations herein on
disclosure and use of Confidential Information of Fidelity, the Bank and
customers shall be for a period commencing on the date of employment and ending
three years after termination of employment for any reason, by Fidelity, the
Bank or by Miller.

                  (f)      Trade Secrets and Confidential Information shall not
include any information (A) which becomes publicly known through no fault or
act of Miller; (B) is lawfully received by Miller from a third party after
termination of employment without a similar restriction regarding
confidentiality and use and without a breach of this Agreement; or (C) which is
independently developed by Miller before the commencement of or after
termination of Miller's employment.

         8.       SPECIFIC PERFORMANCE. Because of Miller's knowledge and
experience, Miller agrees that Fidelity shall be entitled to specific
performance, an injunction, temporary injunction or other similar relief
without the posting of a bond or other security in addition to all other rights
and remedies it might have for any violation of the undertakings set forth in
Sections 4, 5, 6 and 7 of this Agreement. In any such court proceeding, Miller
will not object thereto and claim that monetary damages are an adequate remedy.

         9.       INDEMNIFICATION OF MILLER. Fidelity shall indemnify Miller
and shall advance reimbursable expenses incurred by Miller in any proceeding
against Miller, including a proceeding brought by or in the right of Fidelity,
as a director or officer of Fidelity or any subsidiary thereof, except claims
and proceedings brought by Fidelity against Miller, to the fullest extent
permitted under the Articles of Incorporation and By-Laws of Fidelity and the
Georgia Business Corporation Code, as amended from time to time.

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         10.      NOTICES. All notices, requests, demands and other
communications required or permitted hereunder shall be in writing and shall be
deemed to have been given upon receipt when delivered by hand or upon delivery
to the address of the party determined pursuant to this Section when delivered
by express mail, overnight courier or other similar method to such address or
by facsimile transmission (provided a copy is also sent by registered or
certified mail or by overnight courier), or five (5) business days after
deposit of the notice in the US mail, if mailed by certified or registered
mail, with postage prepaid addressed to the respective party as set forth
below, which address may be changed by written notice to the other party:

                  If to Fidelity
                           Fidelity Southern Corporation
                           3490 Piedmont Road
                           Suite 1550
                           Atlanta, Georgia 30305
                           Attn:  Board of Directors

                  If to Miller:
                           James B. Miller, Jr.
                           c/o Fidelity Southern Corporation
                           3490 Piedmont Road, Suite 1550
                           Atlanta, Georgia 30305

         11.      BINDING EFFECT. This Agreement shall inure to the benefit of
and be binding upon and enforceable by Miller and his estate, personal
representatives and heirs, and by Fidelity and its successors and assigns. This
Agreement and the payments hereunder may not be assigned, pledged or otherwise
hypothecated by Miller.

         12.      ENTIRE AGREEMENT. This Agreement, including the Split Dollar
Plan, the Flexible Premium Adjustable Life, Universal Life, policy and the
Non-Qualified Stock Option, are intended by the parties hereto to constitute
the entire understanding of the parties with respect to the employment of
Miller as an employee and officer of Fidelity and election as Chairman of the
Board of Fidelity and the Bank and supersedes all prior agreements and
understandings, oral or written.

         13.      BINDING ARBITRATION/ATTORNEY FEES. Except as otherwise
specifically provided herein, including as provided in Section 8 hereof,
Specific Performance, all disputes arising under this Agreement shall be
submitted to and settled by arbitration. Arbitration shall be by one (1)
arbitrator selected in accordance with the rules of the American Arbitration
Association, Atlanta, Georgia ("AAA") by the AAA. The hearings before the
arbitrator shall be held in Atlanta, Georgia and shall be conducted in
accordance with the rules existing on the date thereof of the AAA to the extent
not inconsistent with this Agreement. All reasonable costs and expense incurred
in connection with any such arbitration proceedings and those incurred in any
civil action to enforce the same shall be borne by the party against which the
decision is rendered.

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Miller

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Fidelity

------------
Bank

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         14.      AMENDMENTS. This Agreement may not be amended or modified
except in writing signed by both parties.

         15.      WAIVERS. The failure of either party to insist upon the
strict performance of any provision hereof shall not constitute a wavier of
such provision. All waivers must be in writing.

         16.      GOVERNING LAW. This Agreement shall be deemed to be made in
and in all respects shall be interpreted, construed and governed by and in
accordance with the laws of the State of Georgia, excluding its conflicts of
laws.

                       [Signatures on the following page]

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

                                    FIDELITY SOUTHERN CORPORATION

                                    By: /s/ Robert J. Rutland
                                        ---------------------------------------
                                    Name: Robert J. Rutland
                                         --------------------------------------
                                    Title: Chairman of the Compensation
                                           Committee
                                          -------------------------------------

                                    FIDELITY BANK

                                    By: /s/ Robert J. Rutland
                                        ---------------------------------------
                                    Name: Robert J. Rutland
                                         --------------------------------------
                                    Title: Chairman of the Compensation
                                           Committee
                                          -------------------------------------

                                    MILLER

                                    /s/ James B. Miller, Jr.
                                    -------------------------------------------
                                    James B. Miller, Jr.

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                                  ATTACHMENT A
                             INCENTIVE COMPENSATION

         For each calendar year during the term of the Agreement, the
Compensation Committee ("Committee") of the Board of Directors of Fidelity will
establish in its sole discretion (after discussion with Miller) a target
consolidated income before the Incentive Compensation provided herein and
before taxes of Fidelity, excluding extraordinary items (determined in
accordance with generally accepted accounting principles) ("Target Income") for
such calendar year prior to the commencement of the calendar year. Miller will
be paid incentive compensation ("Incentive Compensation") in cash depending
upon the percentage of the Target Income achieved for such calendar year.

         In the event the consolidated income of Fidelity for any calendar year
before the Incentive Compensation provided herein and before taxes of Fidelity
and excluding extraordinary items, determined in accordance with generally
accepted accounting principles ("Income") achieved is at least 80% of the
Target Income and is less than 100% of the Target Income, the Incentive
Compensation shall be the product of $200,000 times the percent of Target
Income achieved between 80% of the Target Income and 100% of the Target Income.
In the event the Income achieved equals 100% of the Target Income, the
Incentive Compensation shall be $200,000. In the event the Income achieved
exceeds 100% of the Target Income and is no more than 120% of the Target Income,
the Incentive Compensation shall be increased by the product of (i) $100,000
times (ii) the percentage of the Target Income in excess of 100% of the Target
Income and not more than 120% of the Target Income. For example, if the
percentage of Income achieved is 100% of the Target Income, the Incentive
Compensation is $200,000 and if 90% of the Target Income is achieved, the
Incentive Compensation is $100,000. No Incentive Compensation will be paid if
the percentage of Target Income achieved is 80% or less. The maximum Incentive
Compensation shall be $300,000.

         The Compensation Committee may modify the Target Income for any
calendar year at any time during a calendar year to reflect changes resulting
from changes in accounting principles or practices of Fidelity and changes in
the business plan.

         In the event of any dispute as to the achieved Income, it shall be
such amount as set forth in Fidelity's certified financial statements less the
amount of this Incentive Compensation for such calendar year.

         The right of Miller to receive the Incentive Compensation hereunder
related to a calendar year shall vest on the last day of such calendar year. In
the event Miller is entitled pursuant to the Agreement to Incentive
Compensation for a period of less than a full year, the Incentive Compensation
for such year shall vest on the last day of his employment and the amount shall
be determined as set forth hereinabove for the calendar year prorated based
upon the percentage of the year Miller was employed under the Agreement.

         Payment is to be made in cash promptly after the amount is determined
but in no event more than 90 days after the end of the calendar year. The
Committee, in its sole discretion, during a calendar year may make a
non-refundable prepayment of a portion of the Incentive Compensation to Miller
if it believes that the partial payment will not exceed the amount of the
Incentive Compensation for that calendar year.<PAGE>

                                                                  EXHIBIT 10(g)

                         FIDELITY SOUTHERN CORPORATION

                         EXECUTIVE CONTINUITY AGREEMENT

         This Executive Continuity Agreement (this "Agreement") is made as of
December 31, 2003, between Fidelity Southern Corporation ("Fidelity Southern")
and Bank (together with Fidelity Southern collectively referred to as
"Fidelity") and M. Howard Griffith, Jr. (the "Executive").

         The purpose of this Agreement is to encourage the Executive to
continue employment with Fidelity after a Change of Control of Fidelity
Southern or Bank by providing reasonable employment security to the Executive
and to recognize the prior service of the Executive in the event of termination
of employment under defined circumstances after any such Change of Control.
This Agreement supersedes and replaces all prior similar written and oral
agreements between the Executive and Fidelity and is in addition to any
employment agreement entered into between Fidelity and the Executive on or
after the date hereof.

         Section 1. Definitions. For purposes of this Agreement:

                  (a)      "Affiliate" means any entity that is, directly or
                           indirectly through one or more intermediaries,
                           controlled by Fidelity Southern or the Bank, as the
                           case may be.

                  (b)      "Annual Base Salary" shall have the meaning set
                           forth in Section 3.

                  (c)      "Bank" shall mean Fidelity Bank and the successors
                           of all or substantially all of its business.

                  (d)      "Beneficiary" means the person or entity designated
                           by the Executive, by a written instrument delivered
                           to Fidelity Southern, to receive any benefits
                           payable under this Agreement in the event of the
                           Executive's death. If the Executive fails to
                           designate a Beneficiary, or if no beneficiary
                           survives the Executive, such benefits on the death
                           of the Executive will be paid to the Executive's
                           estate.

                  (e)      "Board" means the Board of Directors of Fidelity
                           Southern.

                  (f)      "Cause" means:

                           (1)      The willful and continued failure by the
                                    Executive to substantially perform the
                                    material duties of the Executive with
                                    Fidelity and/or any Affiliate (other than
                                    any such failure resulting from the
                                    disability of the Executive) for a
                                    continuous period of three

<PAGE>
                                    months, after a written demand for such
                                    performance is delivered to the Executive
                                    at the direction of the Board by the Chief
                                    Executive Officer of Fidelity Southern or
                                    by any person designated by the board of
                                    Fidelity Southern or the Bank, which
                                    written demand specifically identifies the
                                    material duties of which Fidelity believes
                                    that the Executive has not substantially
                                    performed; or

                           (2)      The willful engaging by the Executive in
                                    gross misconduct materially and
                                    demonstrably injurious to Fidelity. No act,
                                    or failure to act, on the Executive's part
                                    shall be considered "willful" unless done,
                                    or omitted to be done, by Executive in the
                                    absence of good faith and without a
                                    reasonable belief that the action or
                                    failure to act of the Executive was in the
                                    best interest of Fidelity or any
                                    Affiliates.

                  (g)      "Change of Control" means the occurrence hereafter
                           of any event described in (1), (2), (3), or (4)
                           below.

                           (1)      Any "person" (as such term is used in
                                    Sections 13(d)(3) or 14(d)(2) of the
                                    Securities Exchange Act of 1934, as
                                    amended, the "Act") acquires "beneficial
                                    ownership" (as such term is defined in Rule
                                    13d-3 promulgated under the Act), directly
                                    or indirectly, of equity securities of
                                    Fidelity Southern or the Bank representing
                                    more than fifty percent (50%) of the
                                    combined voting power represented by the
                                    outstanding voting securities of Fidelity
                                    Southern or the Bank, as the case may be
                                    ("Voting Power").

                           (2)      Individuals who constitute the membership
                                    of the Board or the board of the Bank on
                                    the date of this Agreement (each being
                                    hereinafter referred to as the "Incumbent
                                    Board") cease at any time hereafter, to
                                    constitute at least a majority of the Board
                                    or the board of the Bank, provided that any
                                    director whose nomination was approved by a
                                    majority of the Incumbent Board will be
                                    considered a member of the Incumbent Board,
                                    excluding any such individual not otherwise
                                    a member of the Incumbent Board whose
                                    initial assumption of office is in
                                    connection with an actual or threatened
                                    election contest relating to the election
                                    of the directors of Fidelity Southern or
                                    the Bank.

                           (3)      The effective date of a reorganization,
                                    merger or consolidation, which includes
                                    Fidelity Southern or the Bank, as the case
                                    may be, in which the holders of the Voting
                                    Power of Fidelity Southern or the Bank
                                    immediately prior to such event, do not,
                                    following such reorganization, merger or
                                    consolidation, beneficially own, directly

                                       2
<PAGE>
                                    or indirectly, more than 75% of the Voting
                                    Power of the entity resulting from such
                                    reorganization, merger or consolidation.

                           (4)      The effective date of a complete
                                    liquidation or dissolution of Fidelity
                                    Southern or the Bank, or of the sale or
                                    other disposition of all or substantially
                                    all of the assets of Fidelity Southern or
                                    the Bank, as approved by the shareholders
                                    of Fidelity Southern or the Bank, as the
                                    case may be, or the acquisition by a
                                    person, other than Fidelity Southern, of
                                    beneficial ownership, directly or
                                    indirectly, of equity securities of the
                                    Bank representing more than fifty percent
                                    (50%) of the combined voting power
                                    represented by the Bank's then outstanding
                                    voting securities.

                                    If a Change of Control occurs on account of
                                    a series of transactions, the Change of
                                    Control is deemed to have occurred on the
                                    date of the last of such transactions which
                                    results in the Change in Control.

                  (h)      "Change in Control Period" shall have the meaning
                           set forth in Section 4(a).

                  (i)      "Code" means the Internal Revenue Code of 1986, as
                           amended.

                  (j)      "Commencement Date" shall have the meaning set forth
                           in Section 3(a).

                  (k)      "Compensation" means the total compensation paid to
                           the Executive by Fidelity Southern, the Bank and/or
                           by any Affiliate which is or will be reportable as
                           income under the Code on Internal Revenue Service
                           Form W-2, (i) plus any amount contributed by the
                           Executive pursuant to a salary reduction agreement,
                           which is not includible in gross income under Code
                           Sections 125 or 402 (a)(8) or under any other
                           program that provides for pre-tax salary reductions
                           or compensation deferrals; (ii) plus any amount of
                           the Executive's compensation which is deferred under
                           any plan or program of Fidelity; and (iii) reduced
                           by any income reportable on Form W-2 that is
                           attributable to the exercise of any stock option.

                  (l)      "Disability" means a complete inability of the
                           Executive substantially to perform the employment
                           duties of the Executive for Fidelity Southern or
                           Bank or any Affiliate for a period of at least one
                           hundred and eighty (180) consecutive days.

                  (m)      "Employment Period" shall have the meaning set forth
                           in Section 3(a).

                  (n)      "Final Compensation" means the highest of (i) the
                           Executive's Compensation for the 12 full calendar
                           months immediately preceding the

                                       3
<PAGE>
                           Change of Control; or (ii) the Executive's annual
                           base salary rate payable by Fidelity Southern, the
                           Bank and any Affiliate, in effect immediately
                           preceding the Change of Control; or (iii) the
                           Executive's aggregate annual base salary as set by
                           Fidelity Southern, the Bank and any Affiliate,
                           effective at any time during the Employment Period.

                  (o)      "Good Reason" will exist with respect to the
                           Executive if, without the Executive's express
                           written consent, any of the following events occurs
                           after a Change of Control which is not corrected
                           within thirty (30) days after receipt of written
                           notice from Executive to Fidelity Southern:

                           (1)      there is a material change in the
                                    Executive's position or responsibilities
                                    (including reporting responsibilities)
                                    which, in the Executive's reasonable
                                    judgment, represents an adverse change from
                                    the Executive's status, title, position or
                                    responsibilities immediately prior to the
                                    Change of Control;

                           (2)      the assignment to the Executive of any
                                    duties or responsibilities which are
                                    inconsistent with the position or
                                    responsibilities of the Executive
                                    immediately prior to the Change in Control;

                           (3)      any removal of the Executive from or
                                    failure to reappoint or reelect the
                                    Executive to any of the positions the
                                    Executive held immediately prior to the
                                    Change in Control;

                           (4)      there is a reduction in the Executive's
                                    rate of annual base salary or a change in
                                    the manner the incentive compensation of
                                    the Executive is calculated and such change
                                    will result in a reduction of the incentive
                                    compensation of Executive;

                           (5)      the requiring of the Executive to relocate
                                    the principal business office of the
                                    Executive to any place outside a fifteen
                                    (15) mile radius from the Executive's
                                    current place of employment in Atlanta,
                                    Georgia, (reasonable required travel on
                                    Fidelity's business which is materially
                                    greater than such travel requirements prior
                                    to the Change of Control shall constitute a
                                    relocation of Executive's principal
                                    business office);

                           (6)      the failure of Fidelity to continue in
                                    effect any Compensation or Welfare Plan in
                                    which the Executive is participating
                                    immediately prior to the Change of Control
                                    without substituting plans providing the
                                    Executive with substantially similar or
                                    greater benefits, or the taking of any
                                    action by Fidelity which would materially
                                    and adversely affect the Executive's
                                    participation in or materially reduce the
                                    Executive's benefits under any of such
                                    plans or deprive

                                       4
<PAGE>
                                    the Executive of any material fringe
                                    benefit enjoyed by the Executive
                                    immediately prior to the Change of Control;
                                    or

                           (7)      the material breach of any provision of
                                    this Agreement which is not timely
                                    corrected by Fidelity upon thirty (30) days
                                    prior written notice from Executive.

                  (p)      "Salary Continuance Benefit" means the benefit
                           provided in Section 4(b).

                  (q)      "Severance Benefit" means a Salary Continuance
                           Benefit and/or a Welfare Continuance Benefit.

                  (r)      "Severance Period" means the period beginning on the
                           date the Executive's employment with Fidelity
                           terminates, other than for Cause or Disability or
                           death, and ending on the date one (1) year
                           thereafter.

                  (s)      "Voting Power" shall have the meaning set forth in
                           Section 1(g)(1).

                  (t)      "Welfare Continuance Benefit" means the benefit
                           provided in Section 4(c).

                  (u)      "Welfare Plan" means any medical, prescription,
                           dental, disability, salary continuation, employee
                           life, accidental death, travel accident insurance or
                           any other welfare benefit plan, as defined in
                           Section 3(l) of ERISA made available by Fidelity
                           Southern, the Bank or any Affiliate in which the
                           Executive is eligible to participate.

         Section 2. Employment After Change of Control

         If the Executive is employed by Fidelity Southern, the Bank or an
         Affiliate on the Commencement Date, such employer will continue to
         employ the Executive for the Employment Period.

         Section 3. Compensation During Employment Period

                  (a)      During the period commencing six (6) months prior to
                           a Change in Control ("Commencement Date") and ending
                           upon the earlier of (i) one year after a Change in
                           Control or (ii) upon termination of employment of
                           Executive for any reason by Executive or by Fidelity
                           Southern or the Bank or any Affiliate ("Employment
                           Period"), the Executive will receive an annual base
                           salary ("Annual Base Salary') at least equal to the
                           greater of (i) the annual base salary payable to the
                           Executive by Fidelity Southern, the Bank and/or
                           Affiliates in respect of the twelve full calendar
                           month period immediately preceding the Commencement
                           Date or (ii) the annual base salary rate of the
                           Executive payable immediately prior to the Change in
                           Control. During the Employment Period, the Annual
                           Base Salary will be

                                       5
<PAGE>
                           increased at any time and from time to time so as to
                           be substantially consistent with increases in base
                           salaries generally awarded in the ordinary course of
                           business to other peer executives of Fidelity
                           Southern, the Bank and Affiliates. Any increase in
                           Annual Base Salary will not serve to limit or reduce
                           any other obligation of Fidelity to the Executive
                           under this Agreement. The Annual Base Salary in
                           effect on the Commencement Date will not be reduced
                           thereafter nor shall any increase during the
                           Employment Period be reduced thereafter.

                  (b)      During the Employment Period, the Executive will be
                           entitled to participate in all incentive plans
                           (including, without limitation, stock option, stock
                           purchase, savings, supplemental medical and
                           retirement plans) and other programs and practices
                           applicable generally to other peer executives of
                           Fidelity Southern, the Bank or any Affiliate, but in
                           no event will such plans and other programs and
                           practices, including policies, provide the Executive
                           with incentive opportunities, savings opportunities
                           and retirement and other benefit opportunities, in
                           each case, less favorable, in the aggregate than
                           those provided by Fidelity Southern, the Bank or any
                           Affiliate for the Executive under such plans,
                           practices, policies and program as in effect at any
                           time on and after the Commencement Date and prior to
                           the Change of Control.

                  (c)      In addition, the method of the calculation of the
                           Executive's total incentive compensation for each
                           fiscal year, or part thereof, during the Employment
                           Period will not be changed in any manner which will
                           result in less total incentive compensation being
                           paid or payable to Executive by Fidelity Southern,
                           the Bank and Affiliates in respect of the Employment
                           Period (or any portion thereof) from the maximum
                           amount that would have been paid using the method of
                           calculating incentive compensation under the
                           incentive compensation programs in effect
                           immediately prior to the Change in Control. The
                           parties agree that Executive shall be entitled to
                           incentive compensation for services rendered during
                           part of a fiscal year regardless of the reason for
                           the termination of employment of Executive.

                  (d)      During the Employment Period, the Executive and the
                           eligible Members of the Executive's family
                           ("Dependents") who participated (or otherwise
                           provided coverage) on the Commencement Date and
                           continue to be eligible for participation in any
                           Welfare Plan, will receive all such benefits under
                           the Welfare Plans to the extent applicable generally
                           to other peer executives of Fidelity Southern, the
                           Bank and Affiliates similarly situated, but in no
                           event will the Welfare Plans provide benefits for
                           the Executive and Beneficiaries that are less
                           favorable, in the aggregate, than the most favorable
                           benefits provided under the Welfare Plans in effect
                           at any time during the Employment Period.

                                       6
<PAGE>
                  (e)      During the Employment Period, the Executive will be
                           entitled to fringe benefits in accordance with the
                           most favorable plans, practices, programs and
                           policies of Fidelity Southern, the Bank and any
                           Affiliate in effect for which the Executive
                           qualifies or qualified at any time during the
                           Employment Period including, if more favorable to
                           the Executive, as in effect at any time on or after
                           the Change of Control Date with respect to other
                           peer executives of Fidelity Southern, the Bank or
                           any Affiliate.

         Section 4. Benefits Upon Termination of Employment.

                  (a)      The Executive will be entitled to the Salary
                           Continuance Benefit and the Welfare Continuance
                           Benefit as hereafter set forth if (i) the employment
                           of the Executive with Fidelity Southern, the Bank or
                           any Affiliate is terminated by Fidelity Southern the
                           Bank or any Affiliate, other than for Cause,
                           Disability or death, during the period commencing
                           upon the Commencement Date and ending one year after
                           a Change in Control ("Change in Control Period"); or
                           (ii) the Executive terminates the employment with
                           Fidelity Southern, the Bank or any Affiliate for
                           Good Reason during the Change in Control Period. Any
                           termination by the Executive will be communicated by
                           Notice of Termination to Fidelity Southern given in
                           accordance with Section 20(b). For purposes of this
                           Agreement, a "Notice of Termination" means a written
                           notice which (i) indicates the specific termination
                           provision in this Section relied upon; (ii), to the
                           extent applicable, sets forth in reasonable detail
                           the facts and circumstances claimed to provide a
                           basis for termination of the Executive's employment
                           under the provision so indicated; and (iii), if
                           applicable, indicates the date of termination, which
                           shall not be less than 30 days and more than 60 days
                           after the giving of such notice.

                  (b)      The Salary Continuance Benefit will be payments, in
                           the aggregate, equal to 100% of the Final
                           Compensation of the Executive. The Salary
                           Continuance Benefit will be paid by Fidelity
                           Southern or the Bank to the Executive in twenty-four
                           (24) equal semi-monthly installments without
                           interest, commencing on the 15th or last day of the
                           month immediately following the date of termination
                           of employment, which ever date occurs first, and on
                           the 15th and last day of each calendar month
                           thereafter. The Salary Continuance Benefit will be
                           made net of all required Federal and State
                           withholding taxes and other similar required
                           withholdings and authorized deductions. The Salary
                           Continuance Benefit shall be payable to the estate
                           of the Executive upon the death of the Executive.

                  (c)      During the Severance Period, the Executive and,
                           subject to the eligibility requirements of the
                           Welfare Plan, Dependents will continue to be covered
                           by all Welfare Plans in which the Executive or
                           Dependents were participating immediately prior to
                           the date of the termination of employment of
                           Executive, subject to the other eligibility
                           requirements of such Welfare Plans on the date of
                           termination of

                                       7
<PAGE>
                           employment (the "Welfare Continuance Benefit"). Any
                           changes to any Welfare Plan during the Severance
                           Period will be applicable to the Executive and
                           Dependents as if the Executive continued to be an
                           employee of Fidelity Southern, the Bank or any
                           Affiliate. Fidelity Southern or the Bank will pay or
                           they shall cause an Affiliate to pay, all or a
                           portion of the cost of the Welfare Continuance
                           Benefit for the Executive and Dependents under the
                           Welfare Plans on the same basis as applicable, from
                           time to time, to active executives covered under the
                           Welfare Plans and the Executive will pay any
                           additional costs comparable to those costs paid by
                           active executives. If such participation in any one
                           or more of the Welfare Plans included in the Welfare
                           Continuance Benefit is not possible under the terms
                           of the Welfare Plan or any provision of law would
                           create any adverse tax effect for the Executive or
                           Fidelity Southern, the Bank or any Affiliate due to
                           such participation, Fidelity Southern or the Bank
                           will provide or will cause an Affiliate to provide
                           substantially identical benefits directly or through
                           another insurance arrangement or pay the Executive's
                           costs for such Welfare Plan if continued by
                           Executive, including as permitted under ERISA. The
                           Welfare Continuance Benefit as to any Welfare Plan
                           will cease if and when the Executive has obtained
                           coverage under one or more welfare benefit plans of
                           a subsequent employer that provide for equal or
                           greater benefits to the Executive and Dependents
                           with respect to the specific types of benefits
                           provided under the applicable Welfare Plan.

                  (d)      Fidelity Southern shall engage the independent
                           accounting firm regularly utilized by Fidelity
                           Southern ("Accounting Firm") to provide to Fidelity
                           Southern and Executive, at Fidelity Southern's
                           expense, a determination of whether any compensation
                           payable to Executive pursuant to this Agreement
                           during the Severance Period constitutes a "parachute
                           payment" ("Parachute Payment") as defined in Section
                           280G of the Internal Revenue Code of 1986, as
                           amended (the "Code"). If the Accounting Firm
                           determines that any such compensation payable to
                           Executive constitutes a Parachute Payment, the
                           Accounting Firm shall also determine: (A) the amount
                           of the excise tax to be imposed under Section 4999
                           of the Code; (B) whether Executive would realize a
                           greater amount after Federal and Georgia income
                           taxes (assuming the highest marginal rates then in
                           effect apply) if such compensation payable to
                           Executive were reduced (assuming latest payments are
                           reduced first) so that no amount payable to
                           Executive hereunder constitutes a Parachute Payment
                           than Executive would realize after Federal and
                           Georgia income taxes (assuming the highest marginal
                           rates then in effect apply) and after imposition of
                           the excise tax under Section 4999 of the Code if the
                           amounts payable to Executive hereunder were not so
                           reduced; and (C), if the Accounting Firm determines
                           in (B) above that Executive would realize a higher
                           amount if the compensation

-----------
Executive

-----------
Fidelity Southern

-----------
Fidelity Bank

                                       8
<PAGE>
                           payable to Executive were so reduced, the amount of
                           the reduced benefit. All determinations shall be
                           made on a present value basis. The Accounting Firm
                           shall provide to Fidelity Southern and to Executive
                           a written report of its determinations hereunder as
                           soon as practicable. No later than fifteen (15) days
                           following receipt by Executive of the report from
                           the Accounting Firm, Executive will notify Fidelity
                           Southern in writing of any disagreement with said
                           report, and, in such case, Fidelity Southern shall
                           direct the Accounting Firm to promptly discuss its
                           determinations with an accountant or other counselor
                           designated by Executive in Executive's written
                           notice and seek to reach an agreement regarding same
                           no later than fifteen (15) days after receipt of the
                           Executive's notice, with Fidelity Southern and
                           Executive, each bearing the cost of their own
                           accountants, counsel and other advisers. If no
                           agreement can be reached, the matter shall be
                           promptly submitted to binding arbitration under the
                           rules of the American Arbitration Association before
                           a single arbitrator in Atlanta, Georgia. The
                           determinations so made shall be binding on the
                           parties. If it is determined hereunder that
                           Executive would realize a greater amount after
                           Federal and Georgia income taxes (assuming the
                           highest marginal rates then in effect apply) if the
                           compensation payable to Executive pursuant to this
                           Agreement were reduced (assuming latest payments are
                           reduced first) so that no amount payable to
                           Executive hereunder constitutes a Parachute Payment,
                           then the amounts payable to Executive pursuant to
                           this Agreement shall be so reduced.

         Section 5. Outplacement Services.

         If the Executive is entitled to a Severance Benefit under Section 4,
         the Executive also will be entitled in addition to receive complete
         outplacement services, including job search, interview skill services,
         job retaining and education and resume preparation, paid by Fidelity
         Southern up to a total cost of $20,000. The services will be provided
         by a nationally or regionally recognized outplacement organization
         selected by the Executive with the approval of Fidelity Southern
         (which approval will not be unreasonable withheld). The services will
         be provided for up to two (2) years after the Executive's termination
         of employment or until Executive obtains full-time employment,
         whichever occurs first.

         Section 6. Death.

         If the Executive dies while receiving a Welfare Continuation Benefit,
         the Executive's Dependents will continue to be covered under all
         applicable Welfare Plans during the remainder of the Severance Period.

                                       9
<PAGE>
         Section 7. No Setoff.

                  (a)      Payment of a Severance Benefit will be in addition
                           to any other amounts otherwise then currently
                           payable to the Executive, including any accrued but
                           unpaid vacation pay or deferred compensation. No
                           payments or benefits payable to or with respect to
                           the Executive pursuant to this Agreement will be
                           reduced by any amount the Executive may earn or
                           receive from employment with another employer or
                           from any other source. In no event will the
                           Executive be obligated to seek other employment or
                           take any other action by way of mitigation of the
                           amounts payable to the Executive under any of the
                           provisions of this Agreement and, except as provided
                           in the last sentence of Section 4(c) with respect to
                           the Welfare Continuation Benefit, such amounts will
                           not be reduced whether or not the Executive obtains
                           other employment.

                  (b)      Nothing in this Agreement will limit or otherwise
                           affect such rights as the Executive may have under
                           any other contract or agreement with Fidelity
                           Southern, the Bank or Affiliates. Amounts which
                           constitute vested benefits or which the Executive is
                           otherwise entitled to receive under any plan,
                           policy, practice or program of or any contract or
                           agreement (collectively, "programs") with Fidelity
                           Southern, the Bank or Affiliates at or subsequent to
                           the Executive's termination of employment will be
                           payable in accordance with such program.

                  (c)      No amounts payable pursuant to this Agreement shall
                           be subject to setoff or reduction except for
                           required withholdings and authorized deductions.

         Section 8. No Interest in Benefit.

         No interest of the Executive or any Beneficiary, or any right to
         receive any payment or distribution hereunder, will be subject in any
         manner to sale, transfer, assignment, pledge, attachment, garnishment,
         or other alienation or encumbrance of any kind, nor may such interest
         or right to receive a payment or distribution be taken, voluntarily or
         involuntarily, for the satisfaction of the obligation or debts of, or
         other claims against, the Executive or Beneficiary, including claims
         for alimony, support, separate maintenance, and claims in bankruptcy
         proceedings.

         Section 9. Benefits Unfunded.

         All rights under this Agreement of the Executive and Beneficiaries
         will at all times be entirely unfunded, and no provision will at any
         time be made with respect to segregating any assets of Fidelity or any
         Affiliate for payment of any amounts due hereunder. The Executive and
         Beneficiaries will have only the rights of general unsecured creditors
         of Fidelity.

                                      10
<PAGE>
         Section 10. Non-Solicitations of Customers.

         Executive agrees that during the Employment Period of the Executive
         and the period of twelve (12) months immediately following termination
         of the Employment Period of Executive for any reason with Fidelity
         Southern, the Bank or any Affiliate by Executive or by Fidelity or any
         Affiliate, Executive, shall not, directly or indirectly, on the
         Executive's own behalf or on behalf of any other person, including any
         other business entity, solicit, contact, call upon, communicate with
         or attempt to communicate (collectively "Solicitation") with any
         customer or prospective customer of Fidelity or of any Affiliate or
         any representative of any customer or prospective customer of Fidelity
         or any Affiliate with a view to the Solicitation of the following
         banking services: deposit, checking and lending (including mortgage
         lending); provided that the restrictions set forth in this Section 10
         shall apply only to customers or prospects of Fidelity and of any
         Affiliate or representatives thereof with which Executive had contact
         while in the employ of Fidelity or any Affiliate during the two year
         period immediately preceding the Solicitation.

         Section 11. Non-Solicitations of Employees.

         Executive agrees that during the employment of Executive and the
         period of twelve (12) months immediately following termination of the
         employment of Executive with Fidelity or any Affiliate by Executive or
         by Fidelity or any Affiliate for any reason, Executive shall not,
         directly or indirectly, on the Executive's own behalf or on behalf of
         any other person, including any other business entity, solicit, hire
         or in any manner encourage employees of Fidelity or any Affiliate
         thereof, to leave the employ of Fidelity or any Affiliate for an
         engagement in any capacity by another person or to provide the name of
         any such employee to any one who, to the knowledge of Executive, may
         hire or be interested in hiring such employee.

         Section 12. Confidentiality.

                  (a)      During the term of Executive's employment with
                           Fidelity and any Affiliate, and at all times
                           thereafter, Executive shall not use or disclose to
                           others, without the prior written consent of
                           Fidelity Southern, the Bank or any Affiliate, any
                           Trade Secrets (as hereinafter defined) or
                           Confidential Information (as hereinafter defined) of
                           Fidelity Southern, the Bank or the Affiliate or any
                           of their customers, except for use or disclosure
                           thereof in the course of business of Fidelity
                           Southern, the Bank or any Affiliate, and such
                           disclosure shall be limited to those who have a need
                           to know.

                  (b)      Upon termination of employment with Fidelity or any
                           Affiliate for any reason, Executive shall not take
                           any documents or data of Fidelity or any Affiliate
                           or of any customer or any reproduction thereof, in
                           whole or in part and agrees to return all such
                           documents and data in the possession of the
                           Executive at such time.

                                      11
<PAGE>
                  (c)      Executive agrees to take reasonable precautions to
                           safeguard and maintain the confidentiality and
                           secrecy and limit the use of all Trade Secrets and
                           Confidential Information of Fidelity or any
                           Affiliate and of their customers.

                  (d)      Trade Secrets shall include only such information
                           constituting a "Trade Secret" within the meaning of
                           subsection 10-1-761(4) of the Georgia Trade Secrets
                           Act of 1990, including as hereafter amended.
                           Confidential Information shall mean all information
                           and data which is protectable as a legal form of
                           property or non-public information of Fidelity
                           Southern, the Bank, or Affiliates or their
                           customers, excluding any information or data which
                           constitutes a Trade Secret.

                  (e)      The parties agree that the limitations herein on
                           disclosure and use of Confidential Information of
                           Fidelity Southern, the Bank or any Affiliate and
                           their customers shall be for a period commencing on
                           the date of employment and ending three years after
                           termination of employment for any reason, by
                           Fidelity Southern, the Bank or any Affiliate or by
                           Executive.

                  (f)      Trade Secrets and Confidential Information shall not
                           include any information (A) after it becomes
                           publicly known through no fault or act of Executive;
                           (B) after it is lawfully received by Executive from
                           a third party after termination of employment
                           without a similar restriction regarding
                           confidentiality and use and without a breach of this
                           Agreement; or (C) which is independently developed
                           by Executive before the commencement of or after
                           termination of Executive's employment with Fidelity
                           Southern, the Bank and Affiliates.

         Section 13. Specific Performance.

         Because of Executive's knowledge and experience, Executive agrees that
         Fidelity Southern, the Bank and Affiliates shall be entitled to
         specific performance, an injunction, temporary injunction or other
         similar equitable relief in addition to all other rights and remedies
         it might have for any violation of the undertakings set forth in
         Sections 10, 11 and 12 of this Agreement. In any such court proceeding
         or arbitration, Executive will not object thereto and claim that
         monetary damages are an adequate remedy.

         Section 14. Indemnification of Executive.

         Fidelity Southern, the Bank or Affiliates shall indemnify Executive
         and shall advance reasonable reimbursable expenses incurred by
         Executive in any proceeding against Executive, including a proceeding
         brought by or in the right of Fidelity Southern, the Bank or any
         Affiliate, as a director or officer of Fidelity Southern, the Bank or
         any

                                      12
<PAGE>
         Affiliate thereof, except claims and proceedings brought by Fidelity
         Southern, the Bank or any Affiliate against Executive, to the fullest
         extent permitted under the Georgia Business Corporation Code, and the
         Articles of Incorporation and By-Laws of Fidelity Southern, the Bank
         or any applicable Affiliate, as such Code, Articles or By-Laws may be
         amended from time to time hereafter.

         Section 15. Applicable Law.

         This Agreement will be construed and interpreted in accordance with
         the laws of the State of Georgia without reference to its conflict of
         laws rules.

         Section 16. No Employment Contract.

         Nothing contained in this Agreement shall be construed to be an
         employment contract between the Executive and Fidelity.

         Section 17. Severability.

         In the event any provision of this Agreement is held illegal or
         invalid, the remaining provisions of this Agreement will not be
         affected thereby.

         Section 18. Successors.

                  (a)      The Agreement will be binding upon and inure to the
                           benefit of the Fidelity Southern,the Bank,
                           Affiliates, the Executive and their respective
                           heirs, representatives and successors.

                  (b)      Fidelity Southern and Bank will require any
                           successor (whether direct or indirect, by purchase,
                           merger, consolidation or otherwise) to all or
                           substantially all of the business and/or assets of
                           Fidelity Southern, the Bank or Affiliates, as the
                           case may be, to assume expressly and agree to
                           perform this Agreement in the same manner and to the
                           same extent that Fidelity Southern and Bank would be
                           required to perform it if no such succession had
                           taken place. As used in this Agreement, "Fidelity
                           Southern" will mean Fidelity Southern as herein
                           defined and any successor to its business and/or
                           assets which assumes this Agreement by operation of
                           law or otherwise.

         Section 19. Litigation Expenses.

                  (a)      Fidelity Southern and the Bank agree to pay or
                           reimburse Executive promptly as incurred, to the
                           full extent permitted by law, all legal fees and
                           expenses which the Executive may reasonably incur as
                           a result of any contest (regardless of the outcome
                           thereof unless a court of competent jurisdiction
                           determines that the Executive acted in bad faith in
                           initiating

-----------
Executive

-----------
Fidelity Southern

-----------
Fidelity Bank

                                      13
<PAGE>
                           the contest) by Fidelity Southern, the Bank, any
                           Affiliate, the Executive or others, regarding the
                           validity or enforceability of, or liability under,
                           any provision of this Agreement (including as a
                           result of any contest by the Executive about the
                           amount of any payment pursuant to this Agreement),
                           plus in each case interest on any delayed payment at
                           the applicable Federal rate provided for in the
                           Internal Revenue Code Section 7872 (f)(2)(A);
                           provided however, that the reasonableness of the
                           fees and expenses must be determined by an
                           independent arbitrator, using standard legal
                           principles, mutually agreed upon by Fidelity
                           Southern or the Bank, as the case may be, and the
                           Executive in accordance with rules set forth by the
                           American Arbitration Association.

                  (b)      If there is any dispute between Fidelity Southern,
                           the Bank or any Affiliate and the Executive, in the
                           event of any termination of the Executive's
                           employment by Fidelity Southern, the Bank or
                           Affiliate or by the Executive, then, unless and
                           until there is a final, nonappealable judgment by a
                           court of competent jurisdiction declaring that the
                           Executive is not entitled to benefits under this
                           Agreement, Fidelity will pay or cause to be paid all
                           amounts, and provide all benefits, to the Executive
                           and/or the Executive's family or other
                           Beneficiaries, as the case may be, that Fidelity or
                           any Affiliate would be required to pay or provide
                           pursuant to this Agreement. Fidelity Southern, the
                           Bank and Affiliates will not be required to pay any
                           disputed amounts pursuant to this subsection except
                           upon receipt of an undertaking (which may be
                           unsecured at the election of Executive) by or on
                           behalf of the Executive to repay all such amounts to
                           which the Executive is ultimately adjudge by such
                           court not to be entitled.

         Section 20. Miscellaneous.

                  (a)      Amendments/Waivers. No provision of this Agreement
                           may be modified, waived or discharged unless such
                           waiver, modification or discharge is agreed to in
                           writing and the writing is signed by the Executive
                           and Fidelity Southern and the Bank. A waiver of any
                           breach of or compliance with any provision or
                           condition of this Agreement is not a waiver of
                           similar or dissimilar provisions or conditions. This
                           Agreement may be executed in one or more
                           counterparts, all of which will be considered one
                           and the same agreement.

                  (b)      Notices. All notices, requests, demands and other
                           communications required or permitted hereunder shall
                           be in writing and shall be deemed to have been given
                           upon receipt when delivered by hand or upon delivery
                           to the address of the party determined pursuant to
                           this Section 20 when delivered by express mail,
                           overnight courier or other similar method to such
                           address or by facsimile transmission (provided a
                           copy is also sent by registered or certified mail or
                           by overnight courier), or five (5) business

                                      14
<PAGE>
                           days after deposit of the notice in the US mail, if
                           mailed by certified or registered mail, with postage
                           prepaid addressed to the respective party as set
                           forth below, which address may be changed by written
                           notice to the other parties:

                           If to Fidelity Southern or Bank:
                                    Fidelity Southern Corporation
                                    3490 Piedmont Road
                                    Suite 1550
                                    Atlanta, Georgia 30305
                                    Attn: Chief Executive Officer

                           If to Executive:

                           M. Howard Griffith, Jr.

                  (c)      Confidentiality. The Executive agrees that Executive
                           will not discuss the Executive's employment and
                           resignation or termination (including the terms of
                           this Agreement) with any representatives of the
                           media, either directly or indirectly, without the
                           prior written consent and approval of Fidelity
                           Southern and the Bank.

         Section 21. Entire Agreement.

         No agreement or representations, oral or otherwise, express or
         implied, with respect to the subject matter hereof have been made by a
         party which is not expressly set forth in this Agreement. This
         Agreement sets forth the entire understanding of the parties with
         respect to the subject matter hereof.

                        [Signatures on following page.]

                                      15
<PAGE>
         IN WITNESS WHEREOF, the parties have executed this Agreement as of the
date first set forth above.

                                    FIDELITY SOUTHERN CORPORATION

                                    By: /s/ James B. Miller, Jr.
                                        ---------------------------------------
                                         Name:    James B. Miller, Jr.
                                         Title:   Chairman of the Board

                                    FIDELITY BANK

                                    By: /s/ James B. Miller, Jr.
                                        ---------------------------------------
                                         Name:    James B. Miller, Jr.
                                         Title:   Chairman of the Board

                                    EXECUTIVE

                                    /s/ M. Howard Griffith, Jr.
                                    -------------------------------------------
                                    Name: M. Howard Griffith, Jr.

                                      16

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