Document:

<PAGE>   1

                                                                  EXHIBIT 10.20

                                 BANCTENN CORP.
                        SPLIT DOLLAR LIFE INSURANCE PLAN
                                 PLAN AGREEMENT

         THIS AGREEMENT, made and entered into as of January 27, 2000, by and
between BANK OF TENNESSEE (the "Bank"), a subsidiary of BancTenn Corp., and
TONY L. HOWELL, an employee of the Bank (the "Participant"), pursuant to the
terms of the BancTenn Corp. Split Dollar Life Insurance Plan (the "Plan"),
which Plan is attached hereto and the terms of which are incorporated herein by
reference.

         WHEREAS, Participant has been selected by the Committee (as defined in
the Plan) as an eligible Participant under the Plan; and

         WHEREAS, the Participant desires to participate in the Plan in
accordance with the terms and conditions stated in the Plan;

         NOW, THEREFORE, in consideration of the premises and the mutual
promises contained herein, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

         1.       Pursuant to the terms of the Plan, Bank and Participant have
heretofore acquired Life Insurance Policy No. 15273156 issued by The
Northwestern Mutual Life Insurance Company on January 27, 2000 with a face value
of $250,000 (the "Policy").

         2.       The Bank and the Participant shall be the owners of the
Policy and any other insurance policy acquired on Participant's life pursuant
to the Plan and this Agreement (herein collectively referred to as the
"Policy"). Their respective interests in the Policy and any other insurance
policy shall be as they are set out in the Plan and this Agreement. While this
Agreement is in force, the Bank shall have the unqualified right to control the
portion of the cash surrender value of the Policy equal to the amount it
contributed out of its own funds pursuant to Section 4 hereunder and Section
4.5 of the Plan. The Bank shall possess the right to borrow either directly or
indirectly against the Policy or to repledge its collateral security interest
in it for an amount not exceeding its interest. The Participant shall control
all Policy values over and above those reserved to the Bank, and all other
Policy rights not otherwise ceded to the Bank. However, the Participant agrees
that he will not deal with the Policy other than in a manner expressly provided
for in the Plan or this Agreement until after the Plan or this Agreement is
terminated.

         3.       On or before the due date of each insurance policy premium,
or within the grace period provided therein, the Bank shall pay to the Insurer
the premium due.

<PAGE>   2

         4.       The Participant agrees to designate his Beneficiary to
receive benefits under the Plan and this Agreement. If more than one
Beneficiary is named, the shares and preference of each shall be indicated. The
Participant shall execute a Beneficiary Designation Form used by the Insurer
for such designations.

         5.       The Participant shall have the right to make an absolute
assignment of his entire interest under this Agreement and of his interest in
the Policy at any time to any person or persons. Upon delivery of a signed copy
of the assignment to the Bank, all of the rights, obligations and duties of the
Participant hereunder shall pass to and be binding upon such assignee
(including the right to make further assignments) and the Participant shall
have no further interest in the Plan, this Agreement or the insurance policy.

         6.       Any notice which shall or may be given under the Plan or this
Agreement shall be in writing and shall be mailed by first class mail, postage
prepaid. If notice is to be given to the Bank, such notice shall be addressed
to the Bank at its general offices:

                               Bank of Tennessee
                             301 East Center Street
                        Kingsport, Tennessee 37660-4801
                      Attention: Human Resources Committee
                        Split Dollar Life Insurance Plan

If notice is to be given to the Participant, such notice shall be addressed to:

                                 Tony L. Howell
                               212 Fox Path Court
                           Kingsport, Tennessee 37663

Any party may change the address to which notices shall be mailed from time to
time by giving written notice of such new address.

         7.       This Agreement shall be binding upon the Bank and its
successors and assigns, and upon the Participant, his Beneficiary, heirs,
executors and administrators.

         8.       This Agreement shall be construed and governed in all
respects under and by the laws of the State of Tennessee, except to the extent
preempted by ERISA. If any provision of this Agreement shall be held by a court
of competent jurisdiction to be invalid or unenforceable, the remaining
provision hereof shall continue to be fully effective.

         9.       This Agreement shall be construed, where required, so that
the masculine gender includes the feminine.

         10.      This Agreement may be terminated by the Bank in accordance
with the provisions of Articles VIII and IX of the Plan.

                                       2
<PAGE>   3

         11.      This Agreement does not constitute a contract of employment
between the Bank and the Participant. Employment and compensation may be
terminated with or without cause at any time by the Bank or by the Participant.

         IN WITNESS WHEREOF, the undersigned have caused this Agreement to be
executed as of the day and year first above written.

                                             BANK OF TENNESSEE

                                             By: /s/ Roy L. Harmon, Jr.
                                                -------------------------------
                                                     Authorized Representative

                                             PARTICIPANT:

                                             /s/ Tony L. Howell
                                             ----------------------------------
                                                 TONY L. HOWELL

                                       3<PAGE>   1

                                                                  EXHIBIT 10.21

                                 BANCTENN CORP.
                        SPLIT DOLLAR LIFE INSURANCE PLAN
                                 PLAN AGREEMENT

         THIS AGREEMENT, made and entered into as of February 25, 2000, by
and between BANK OF TENNESSEE (the "Bank"), a subsidiary of BancTenn Corp., and
MARY MAC WILSON, an employee of the Bank (the "Participant"), pursuant to the
terms of the BancTenn Corp. Split Dollar Life Insurance Plan (the "Plan"),
which Plan is attached hereto and the terms of which are incorporated herein by
reference.

         WHEREAS, Participant has been selected by the Committee (as defined in
the Plan) as an eligible Participant under the Plan; and

         WHEREAS, the Participant desires to participate in the Plan in
accordance with the terms and conditions stated in the Plan;

         NOW, THEREFORE, in consideration of the premises and the mutual
promises contained herein, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

         1.       Pursuant to the terms of the Plan, Bank and Participant have
heretofore acquired Life Insurance Policy No. 15273166 issued by The
Northwestern Mutual Life Insurance Company on February 25, 2000 with a face
value of $250,000 (the "Policy").

         2.       The Bank and the Participant shall be the owners of the
Policy and any other insurance policy acquired on Participant's life pursuant
to the Plan and this Agreement (herein collectively referred to as the
"Policy"). Their respective interests in the Policy and any other insurance
policy shall be as they are set out in the Plan and this Agreement. While this
Agreement is in force, the Bank shall have the unqualified right to control the
portion of the cash surrender value of the Policy equal to the amount it
contributed out of its own funds pursuant to Section 4 hereunder and Section
4.5 of the Plan. The Bank shall possess the right to borrow either directly or
indirectly against the Policy or to repledge its collateral security interest
in it for an amount not exceeding its interest. The Participant shall control
all Policy values over and above those reserved to the Bank, and all other
Policy rights not otherwise ceded to the Bank. However, the Participant agrees
that he will not deal with the Policy other than in a manner expressly provided
for in the Plan or this Agreement until after the Plan or this Agreement is
terminated.

         3.       On or before the due date of each insurance policy premium,
or within the grace period provided therein, the Bank shall pay to the Insurer
the premium due.

<PAGE>   2

         4.       The Participant agrees to designate his Beneficiary to
receive benefits under the Plan and this Agreement. If more than one
Beneficiary is named, the shares and preference of each shall be indicated. The
Participant shall execute a Beneficiary Designation Form used by the Insurer
for such designations.

         5.       The Participant shall have the right to make an absolute
assignment of his entire interest under this Agreement and of his interest in
the Policy at any time to any person or persons. Upon delivery of a signed copy
of the assignment to the Bank, all of the rights, obligations and duties of the
Participant hereunder shall pass to and be binding upon such assignee
(including the right to make further assignments) and the Participant shall
have no further interest in the Plan, this Agreement or the insurance policy.

         6.       Any notice which shall or may be given under the Plan or this
Agreement shall be in writing and shall be mailed by first class mail, postage
prepaid. If notice is to be given to the Bank, such notice shall be addressed
to the Bank at its general offices:

                               Bank of Tennessee
                             301 East Center Street
                        Kingsport, Tennessee 37660-4801
                      Attention: Human Resources Committee
                        Split Dollar Life Insurance Plan

If notice is to be given to the Participant, such notice shall be addressed to:

                                Mary Mac Wilson
                              1129 Watauga Street
                           Kingsport, Tennessee 37660

Any party may change the address to which notices shall be mailed from time to
time by giving written notice of such new address.

         7.       This Agreement shall be binding upon the Bank and its
successors and assigns, and upon the Participant, his Beneficiary, heirs,
executors and administrators.

         8.       This Agreement shall be construed and governed in all
respects under and by the laws of the State of Tennessee, except to the extent
preempted by ERISA. If any provision of this Agreement shall be held by a court
of competent jurisdiction to be invalid or unenforceable, the remaining
provision hereof shall continue to be fully effective.

         9.       This Agreement shall be construed, where required, so that
the masculine gender includes the feminine.

         10.      This Agreement may be terminated by the Bank in accordance
with the provisions of Articles VIII and IX of the Plan.

                                       2
<PAGE>   3

         11.      This Agreement does not constitute a contract of employment
between the Bank and the Participant. Employment and compensation may be
terminated with or without cause at any time by the Bank or by the Participant.

         IN WITNESS WHEREOF, the undersigned have caused this Agreement to be
executed as of the day and year first above written.

                                             BANK OF TENNESSEE

                                             By: /s/ Roy L. Harmon, Jr.
                                                -------------------------------
                                                     Authorized Representative

                                             PARTICIPANT:

                                             /s/ Mary Mac Wilson
                                             ----------------------------------
                                                 MARY MAC WILSON

                                       3

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00010-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00010-of-00352.parquet"}]]