Document:

EXHIBIT 10.28

SouthTrust
      Guaranty Agreement
SouthTrust Bank
ST Cap Fundssm

GUARANTOR:                                      SECURED PARTY:
[Last Name(s) first, if individual]

John B. Gallagher                                    SouthTrust Bank
Post Office Box 2554
Birmingham, Alabama 35290
Attn: Asset Based Lending Department
City        County            State Zip

      THIS AGREEMENT made this           day of October, 2000 by the above_named
Guarantor (the "Guarantor"); to SOUTHTRUST BANK (the "Bank").

      R E C I T A L S

      American Micro Computer Center, Inc., a Florida corporation, (the
"Borrower"), has requested that the Bank loan to Borrower the sum of One Million
Five Hundred Thousand Dollars ($1,500,000), (the "Loan"), to be evidenced by one
or more Promissory Notes (the "Promissory Notes") payable by Borrower to Bank
according to their respective terms, and such other documents and instruments as
are more particularly described in the Promissory Notes, and secured by the Loan
Agreement of even date herewith between Borrower and Bank (the "Loan Agreement")
and by the Loan Documents, security agreements and other collateral documents
referred to in the Promissory Notes and in the Loan Agreement. Capitalized terms
used herein and not otherwise defined shall have the respective meanings
ascribed to them in the Loan Agreement. Said definitions shall continue to be
applicable to this Guaranty Agreement notwithstanding payment of the Loan or
termination of the Loan Agreement for any other reason. As a condition to making
the Loan, the Bank has required that the Guarantor guarantee the Loan and
certain other obligations of Borrower, on the terms and conditions set forth
herein. Guarantor is a shareholder or affiliate of Borrower.

      AGREEMENT

      NOW, THEREFORE, in consideration of the foregoing recitals, as an
inducement to the Bank to make the Loan to Borrower, and as security for the
Obligations (as defined in the Loan Agreement), including, but not limited to
(a) the payment of the principal, interest and other charges pursuant to the
Promissory Note(s) evidencing the Loan (as the same may hereafter be extended,
renewed, modified, or amended), (b) the payment of all expenses, charges and
other amounts from time to time owing to Bank pursuant to the Promissory Notes,
the Loan Agreement, and the other Loan Documents and (c) the performance of all
covenants, agreements and other obligations from time to time owing to, or for
the benefit of, Lender pursuant to the Loan Documents, the Guarantor agrees,
covenants and represents as follows:

      1.  Guarantor  hereby  unconditionally  guarantees  to the  Bank  the due,
regular and punctual payment and performance of the  Obligations,  together with
any other sum or sums of money which any Borrower now owes the Bank or from time

<PAGE>

to time  hereafter  shall  owe the  Bank,  whether  evidenced  by notes or other
instruments,  or by open  account or  otherwise,  and whether it  represents  an
original balance, a balance reduced by part payment,  or a deficiency after sale
of  collateral,  an  extension or renewal of an original  debt,  or otherwise in
connection  with the Loan.  The Guarantor  hereby  further  guarantees  the due,
regular  and  punctual  payment  and  prompt  performance  of any other  debt or
obligation  of any  kind or  character  of any  Borrower  to the  Bank.  Without
limiting  the  foregoing,  the  Guarantor  guarantees  the  obligations  of  any
Borrower,  as provided in the Loan Agreement and the Loan Documents to indemnify
and to save the Bank  harmless from the  occurrences  set forth in Article XI of
said  Agreement.  Notwithstanding  any other  provision of this  Agreement,  the
Guarantor agrees that its guaranty of the obligations described in the preceding
sentence shall survive  indefinitely and shall not be extinguished by payment in
full of the  Obligations or foreclosure by the Bank under the Loan Agreement and
the Loan  Documents  or  exercise  of any other  rights  under  said  documents.
Further,  the Guarantor  guarantees  the payment of all costs,  attorney fees or
expenses  which may be  incurred  by the Bank by  reason of an Event of  Default
under  the  Loan  Agreement  or a  default  of  any  Borrower  under  any  other
Obligations.

      In the event of an Event of Default under the Loan Agreement or any
default by the Borrower in the payment or performance of any other Obligations,
the Guarantor unconditionally promises to pay to the Bank such amounts as are
necessary to cure the default, or, at the option of the Bank, the Guarantor
agrees to pay the entire indebtedness owed the Bank by the Borrower at the time
of default.

      This guaranty is an unconditional guaranty. Guarantor agrees that the
Bank, in the event of an Event of Default under the Loan Agreement or a payment
or performance default of the Borrower under any other Obligation, shall not be
required to assert any claim or cause of action against the Borrower or any
other guarantor before asserting any claim or cause of action against the
Guarantor under this Agreement. Furthermore, the Guarantor agrees that the Bank
shall not be required to pursue or foreclose on any collateral that it may
receive from the Borrower, the Guarantor or others as security for any
Obligations before making a claim or asserting a cause of action against the
Guarantor under this Agreement.

      The failure of the Bank to perfect any portion of its security interest,
or to maintain perfection of its security interest, in the collateral as set
forth in the Loan Agreement, the Loan Documents, or any other collateral now or
hereafter securing all or any part of the Obligations, shall not release the
Guarantor from its liabilities and obligations hereunder.

      Notice of acceptance of this Guaranty and of any default by the Borrower
is hereby waived by the Guarantor. Presentment, protest, demand, and notice of
protest and demand of any and all collateral, and of the exercise of possessory
remedies or foreclosure on any and all collateral received by the Bank from the
Borrower or the Guarantor are hereby waived. All settlements, compromises,
compositions, accounts stated and agreed balances in good faith between any
primary or second obligors on any accounts received as collateral shall be
binding upon the Guarantor.

      This guaranty shall not be affected, modified, or impaired by any sale or
other disposition (whether voluntary or pursuant to the exercise of a purchase
option or similar right) of any Guarantor's interest in the Borrower, the
voluntary or involuntary liquidation, dissolution, sale or other disposition of
all or substantially all of the assets, marshaling of assets and liabilities,
receivership, insolvency, bankruptcy, assignment for the benefit of creditors,
reorganization, arrangements, composition with creditors or readjustment of, or
other similar proceedings affecting the Borrower or the Guarantor or any other
guarantor, or any of the assets belonging to one or more of them, nor shall this
guaranty be affected, modified or impaired by the invalidity of the Promissory
Notes, the Loan Agreement, the Loan Documents, or any other document executed by
the Borrower or the Guarantor or any other guarantor in connection with the
Loan.

      Without notice to the Guarantor, without the consent of the Guarantor, and
without affecting or limiting the Guarantor's liability hereunder, the Bank may:

      (a) grant the Borrower  extensions of time for payment of the  Obligations
or any part thereof;

      (b) renew any of the Obligations;

<PAGE>

      (c) grant the Borrower extensions of time for performance of agreements or
other indulgences;

      (d) at any time release any or all of the  collateral  held by the Bank as
security for the Obligations;

      (e) at any  time  release  any  one or  more of the  guarantors  from  any
guaranty existing with respect to the Obligations;

      (f)  compromise,   settle,  release,  or  terminate  any  or  all  of  the
obligations,  covenants,  or  agreements  of the Borrower  under the  Promissory
Notes, the Loan Agreement or any Loan Document; or

      (g) modify or amend any obligation,  covenant or agreement of the Borrower
set forth in any one or more of the Promissory Notes or the Loan Agreement.

      This guaranty shall not terminate and may not be terminated by the
Guarantor until such time as all Obligations, including any renewals or
extensions thereof, have been paid in full and such payments of the Obligations
have become final and are not subject to being refunded as a preference or
fraudulent transfer or rescinded under the Bankruptcy Code or other applicable
law. If any collateral secures this guaranty at any time, Bank shall not be
required to release such collateral unless and until Bank is satisfied that such
payments of the Obligations are not subject to refund or rescission.
Furthermore, to the extent the Loan Documents contain Obligations of Borrower
under which the terms of Loan Documents survive payment of the Loan, foreclosure
under the Loan Documents or receipt by Bank of a deed in lieu of foreclosure
(including any environmental indemnities with respect to the collateral
described in the Loan Documents), such Obligations are deemed guaranteed herein,
and the Guarantor's guaranty thereof shall likewise continue indefinitely
notwithstanding payment in full of all Obligations then outstanding. If this
instrument is returned to Guarantor or marked "canceled" or marked with words of
similar import, or if Bank shall issue any instrument of termination to any
Guarantor in connection herewith, such cancellation or termination by Bank shall
be deemed to be subject to the right of Bank to thereafter reinstate the
guarantees herein and enforce this guaranty against Guarantor for Obligations
(including such an environmental indemnity) which were either unknown or in an
unliquidated amount at the time of such return or cancellation.

      2. The Guarantor represents and warrants to Bank and covenants with Bank
as follows:

      (a) Guarantor has full power and unrestricted right to enter into this
Agreement, to incur the obligations provided for herein, and to execute and
deliver the same to Bank, and that when executed and delivered, this Agreement
will constitute a valid and legally binding obligation of the Guarantor,
enforceable in accordance with its terms.

      (b) Its financial statements that have been furnished to the Bank are
complete and correct and fairly present its financial condition as of the date
or dates indicated. There has been no material adverse change in its financial
condition since the date of its most recent financial statement furnished to the
Bank.

      3. The Guarantor covenants and agrees that so long as the Obligations are
outstanding, it will from time to time upon request, furnish to Bank such
information regarding the business, affairs and financial condition of the
Guarantor and its properties in such detail as the Bank may reasonably request,
including, without limitation, cash flow statements and supporting documentation
showing all income and expense of Guarantor, and copies of income tax returns of
Guarantor (which shall be submitted to Bank on an annual basis as the same
become available). Guarantor will furnish to the Bank, within ninety (90) days
after the end of each calendar year, a financial statement in form satisfactory
to the Bank prepared as of the end of the calendar year just ended. Guarantor
covenants that during the term hereof it will pay or cause to be paid as they
become due and payable all taxes, assessments and other governmental charges
lawfully levied or assessed or imposed upon it or its properties or any part
thereof or upon any income therefrom.

      4. The Guarantor hereby agrees not to exercise any right of subrogation,
indemnification, or other right of contribution, recourse, or reimbursement from

<PAGE>

the Borrower or any other right to payment from the Borrower arising out of or
on account of any sums paid or agreed to be paid by the Guarantor under this
Agreement, whether any such right is reduced to judgment, liquidated,
unliquidated, fixed, contingent, matured, unmatured, disputed, undisputed,
secured or unsecured, until such time as the Obligations are indefeasibly paid
in full and not subject to being set aside by the order of a bankruptcy court or
other course of competent jurisdiction. Guarantor further waives all rights in
any collateral heretofore, now, or hereafter given to Guarantor by Borrower to
the extent the same may in any way impair or delay Bank's ability to exercise
its rights pursuant to this Agreement.

      5. If Borrower is or shall hereafter be indebted to Bank for any
obligations, liability or indebtedness other than the Obligations, and Bank
should collect or receive any payments, funds or distributions which are not
specifically required, by law or agreement, to be applied to the Obligations,
Bank may, in its sole discretion, apply such payments, funds or distributions to
indebtedness of Borrower other than the Obligations.

      6. This Agreement shall be binding upon, and inure to the benefit of, the
Guarantor, the Bank and their respective heirs, legal representatives,
successors and assigns.

      7. The validity, interpretation, enforcement and effect of this Agreement
shall be governed by, and construed according to the laws of, the State of
Florida.

      8. In the event that any provision hereof is deemed to be invalid by
reason of the operation of any law or by reason of the interpretation placed
thereon by any court, this Agreement shall be construed as not containing such
provisions and the invalidity of such provisions shall not affect other
provisions hereof which are otherwise lawful and valid and shall remain in full
force and effect.

      9. Any notice or payment required hereunder or by reason of the
application of any law shall be deemed to have been duly given (a) if delivered
in person, (b) if mailed by certified or registered mail, postage prepaid,
return receipt requested, or (c) if sent by Federal Express or overnight United
States Mail or other national overnight carrier, and in each case addressed to
the parties hereto at their respective addresses set forth on the first page
hereof, or to such other address as either party hereto shall designate to the
other in a written notice, given as herein provided.

      10. The failure at any time or times hereafter to require strict
performance by the Guarantor of any of the provisions, warranties, terms and
conditions contained herein or in any other agreement, document or instrument
now or hereafter executed by the Guarantor and delivered to the Bank shall not
waive, affect or diminish any right of the Bank hereafter to demand strict
compliance or performance therewith and with respect to any other provisions,
warranties, terms and conditions contained in such agreements, documents and
instruments, and any waiver of any default shall not waive or affect any other
default, whether prior or subsequent thereto and whether of the same or a
different type. None of the warranties, conditions, provisions and terms
contained in this Agreement or in any agreement, document or instrument now or
hereafter executed by the Guarantor and delivered to the Bank shall be deemed to
have been waived by any act or knowledge of the Bank, its agents, officers or
employees, but only by an instrument in writing, signed by an officer of the
Bank, and directed to Guarantor specifying such waiver.

      11. If, at any time or times hereafter, the Bank employs counsel to advise
or provide other representation with respect to this Agreement or any other
agreement, document or instrument heretofore, now or hereafter executed by the
Guarantor and delivered to the Bank with respect to the Borrower or the
Obligations or to commence, defend or intervene, file a petition, complaint,
answer, motion or other pleadings or to take any other action in or with respect
to any suit or proceeding relating to this Agreement or any other agreement,
instrument or document heretofore, now or hereafter executed by the Guarantor
and delivered to the Bank with respect to the Borrower or the Obligations, then
in any such event, all of the attorneys' fees arising from such services and any
expenses, costs and charges relating thereto shall constitute additional
obligations of the Guarantor payable on demand.

      12. This Agreement constitutes the entire agreement and supersedes all
prior agreements and understandings, both oral and written, between the
Guarantor and the Bank with respect to the subject matter hereof. This Agreement
may be executed in any number of counterparts, each of which shall be deemed an
original, but such counterparts together shall constitute one and the same
instrument.

<PAGE>

      13. Any indebtedness of Borrower now or hereafter held by Guarantor is
hereby subordinated to the indebtedness of Borrower to Bank and such
indebtedness of Borrower to Guarantor if Bank so requests shall be collected,
enforced and received by Guarantor as trustee for Bank and be paid over to Bank
on account of the indebtedness of Borrower to Bank without reducing or affecting
in any manner the liability of Guarantor under the other provisions of this
guaranty.

      14. Guarantor and Bank hereby waive any right to trial by jury on any
claim, counterclaim, setoff, demand, action or cause of action (a) arising out
of or in any way pertaining or relating to this Agreement, the Loan Agreement,
the Loan Documents (as defined in the Loan Agreement), the Loan, the Promissory
Notes, and the Obligations, or any other instrument, document or agreement
executed or delivered in connection with said documents or transactions or (b)
in any way connected with or pertaining or related to or incidental to any
dealings of the parties hereto with respect to this Agreement, the Loan
Agreement, the Loan Documents (as defined in the Loan Agreement), the Loan, the
Promissory Notes, and the Obligations, or any other instrument, document or
agreement executed or delivered in connection herewith or in connection with the
transactions related thereto or contemplated thereby or the exercise of either
party's rights and remedies thereunder, in all of the foregoing cases whether
now existing or hereafter arising, and whether sounding in contract, tort or
otherwise. Guarantor and Bank agree that either or both of them may file a copy
of this paragraph with any court as written evidence of the knowing, voluntary
and bargained agreement between the parties irrevocably to waive trial by jury,
and that any dispute or controversy whatsoever between them shall instead be
tried in a court of competent jurisdiction by a judge sitting without a jury.

      IN WITNESS WHEREOF, the Guarantor has executed this Guaranty on the day
and year first above written.

John B. Gallagher

STATE OF                      )
                              )
COUNTY OF                     )

      I,                            , a Notary Public in and for said County in
said State, hereby certifythat John B. Gallagher, whose name is signed to the
foregoing instrument, and who is known to me, acknowledged before me on this day
that, being informed of the contents of such instrument, he executed the same
voluntarily on the day the same bears date.

      Given under my hand and seal, this _____ day of ___________, 2000.

                                    NOTARY PUBLIC
(SEAL)

                                    My Commission Expires:EXHIBIT 10.29
                                  -------------

                AMENDED AND RESTATED UNLIMITED GUARANTY AGREEMENT
                -------------------------------------------------
                                    (SHIELDS)

      THIS AMENDED AND RESTATED UNLIMITED GUARANTY AGREEMENT ("Guaranty"),
dated October__,  2000, is made and entered into upon the terms  hereinafter set
forth,  by HARRY D.  SHIELDS  ("Guarantor"),  in favor of  SOUTHTRUST  BANK,  an
Alabama banking corporation with offices in Nashville, Tennessee, formerly known
as SouthTrust Bank, National Association ("Creditor").

                                    RECITALS:

           A.     Pursuant to that  certain  Loan  Agreement  dated  October 28,
1999,  by  and  among  European  Micro  Holdings,  Inc.,  a  Nevada  corporation
("Debtor"),  American  Micro  Computer  Center,  Inc.,  a  Florida  corporation,
Nor'easter Micro, Inc., a Nevada corporation,  and Creditor,  as amended by that
certain First Amendment to Loan Agreement of even date herewith (as amended, the
"Loan  Agreement"),  Creditor  has made a term loan to  Debtor  in the  original
principal  amount not exceeding  $1,500,000 (the "Term Loan").  The Term Loan is
evidenced  by a  Secured  Promissory  Note of  even  date  with  the  Term  Loan
Agreement, in the original principal amount of $1,500,000,  made and executed by
Debtor,  payable to the order of Creditor (herein referred to, together with any
extensions,  modifications, renewals and/or replacements thereof, as the "Note";
the Note and the  Loan  Agreement,  together  with any and all  other  documents
executed in connection  therewith,  are hereinafter  collectively referred to as
the "Loan Documents").

           B.     As a condition of  Creditor's  agreement to make the Term Loan
to Debtor,  Guarantor  executed and delivered to Creditor  that certain  Limited
Guaranty  Agreement  dated October 29, 1999 (the  "Original  Guaranty").  At the
request of Debtor and Guarantor,  Creditor has agreed to waive certain  defaults
existing  under the Loan  Documents  and  modify the Loan  Documents  in certain
respects,  conditioned in part upon Guarantor's agreement to execute and deliver
this Guaranty, amending and restating the Original Guaranty.

           C.     Guarantor  desires to execute  and  deliver  this  Guaranty to
Creditor in order to induce  Creditor to waive such  defaults  and agree to such
modifications  to the Loan  Documents,  which  will be to the  direct  interest,
advantage and benefit of Guarantor.

                                   AGREEMENTS:

           NOW, THEREFORE,  in consideration of the foregoing and other good and
valuable  considerations,  the  receipt  and  sufficiency  of which  are  hereby
acknowledged  by  Guarantor,  and to  induce  Creditor  to make  loans and other
extensions of credit to Debtor pursuant to the Loan Agreement,  Guarantor hereby
agrees as follows:

<PAGE>

           1.     Guarantor  hereby  guarantees  to Creditor the full and prompt
payment of the entire  indebtedness  evidenced by the Note,  including principal
and  any  and  all  interest   accrued  or  to  accrue  thereon  (the  aforesaid
indebtednesses and other obligations are sometimes herein collectively  referred
to as  the  "Guaranteed  Obligations").  Guarantor  hereby  agrees  that  if the
Guaranteed Obligations are not timely paid in accordance with the terms thereof,
Guarantor  immediately will pay such Guaranteed  Obligations.  If for any reason
any payment or  obligation  in respect of the  Guaranteed  Obligations  shall be
determined  at any time to be a voidable  preference  or otherwise  shall be set
aside or required to be returned or repaid,  this  Guaranty  nevertheless  shall
remain in full force and effect and shall be fully enforceable against Guarantor
for the payment or  obligation  set aside,  returned  or repaid,  as well as any
other Guaranteed  Obligations still outstanding,  notwithstanding  the fact that
this Guaranty may have been canceled,  released  and/or returned to Guarantor by
Creditor.

           2.     In  addition  to the  obligations  of  Guarantor  to  Creditor
pursuant to  PARAGRAPH  1 hereof,  Guarantor  further  agrees to pay any and all
expenses  (including without limitation  attorney's fees) reasonably incurred by
Creditor in endeavoring  to collect and/or enforce the  obligations of Guarantor
under this Guaranty.

           3.     Guarantor  hereby  waives  notice of any  breach or default by
Debtor, and hereby further waives  presentment,  demand,  notice of dishonor and
protest with respect to any  instrument  now or hereafter  evidencing any of the
Guaranteed Obligations.

           4.     Any  act of  Creditor  consisting  of a  waiver  of any of the
terms, covenants or conditions of the Guaranteed  Obligations,  or the giving of
any consent to any matter or thing  relating to the Guaranteed  Obligations,  or
the granting of any  indulgences  or extensions  of time to Debtor,  may be done
without notice to Guarantor and without  releasing the  obligations of Guarantor
hereunder.

           5.     The  obligations of Guarantor  hereunder shall not be released
by  Creditor's  receipt,  application  or release of any security  given for the
payment,  performance  and  observance  of any of  the  Guaranteed  Obligations.
Similarly,  the obligations of Guarantor  hereunder shall not be released by any
modification of any of the terms of the Guaranteed  Obligations made by Creditor
and Debtor, but in the case of any such modification, the liability of Guarantor
shall be deemed modified in accordance with the terms of any such modification.

           6.     The  liability  of  Guarantor  hereunder  shall  in no  way be
affected  by  (a)  the  release  or  discharge  of  Debtor  in  any  creditors',
receivership, bankruptcy or other proceedings, (b) the impairment, limitation or
modification  of the liability of Debtor or the estate of Debtor in  bankruptcy,
or of any  remedy  for  the  enforcement  of any of the  Guaranteed  Obligations
resulting  from the operation of any present or future  provision of the Federal
bankruptcy  law or any other  statute  or the  decision  of any  court,  (c) the
rejection or disaffirmance of any instrument,  document or agreement  evidencing
any of the Guaranteed Obligations in any such proceedings, (d) the assignment or
transfer of any of the Guaranteed Obligations by Creditor, (e) any other defense
of Debtor,  or (f) the cessation  from any cause  whatsoever of the liability of
Debtor with respect to the Guaranteed Obligations.

<PAGE>

           7.     Until all of the Guaranteed  Obligations have been fully paid,
any liability or indebtednesses of Debtor now or hereafter held by Guarantor are
and shall be subject and  subordinate  to the  obligations of Debtor to Creditor
under the Guaranteed Obligations.

           8.     Guarantor  hereby  waives  any  claim,  right or  remedy  that
Guarantor may now have or hereafter acquire against Debtor that arises hereunder
and/or from performance by Guarantor hereunder, including but not limited to any
claim, right or remedy of subrogation, reimbursement, exoneration, contribution,
indemnification  or  participation  in any  claim,  right or remedy of  Creditor
against  Debtor or any  collateral  now or  hereafter  securing  the  Guaranteed
Obligations,  regardless  of whether  such claim,  right or remedy  arises under
contract, by statute, under common law, in equity or otherwise.

           9.     This is a  guaranty  of  payment  and not of  collection.  The
liability  of  Guarantor  hereunder  shall  be  direct  and  immediate  and  not
conditional or contingent upon the pursuit of any remedies against Debtor or any
other person, nor against any collateral available to Creditor. Guarantor hereby
waives any right to  require  that an action be  brought  against  Debtor or any
other  person or to require  that  resort be had to any  collateral  in favor of
Creditor prior to  discharging  its  obligations  hereunder.  Guarantor  further
waives  any right of  Guarantor  to require  that an action be  brought  against
Debtor under the provisions of Title 47, Chapter 12,  Tennessee Code  Annotated,
as the same may be amended from time to time.

           10.    Guarantor  hereby  consents  and agrees that all  payments and
credits received from Debtor or Guarantor or realized from any collateral may be
applied by Creditor to the  Guaranteed  Obligations in such priority as Creditor
in its sole judgment shall see fit.

           11.    In the event that  Guarantor  consists of more than one person
or entity,  the  obligations of Guarantor  hereunder shall be joint and several,
and all references  herein to "Guarantor" shall refer to each of said persons or
entities jointly and severally. This Guaranty is assignable by Creditor, and any
assignment  of the  Guaranteed  Obligations  or any portion  thereof by Creditor
shall  operate  to vest in the  assignee  the  rights  and  powers  of  Creditor
hereunder to the extent of such assignment.  This Guaranty shall be binding upon
Guarantor    and     Guarantor's     heirs,     representatives,     successors,
successors-in-title and assigns, and shall inure to the benefit of Creditor, its
heirs, representatives, successors, successors-in-title and assigns.

           12.    This  Guaranty  shall  be  construed  in  accordance  with and
governed by the laws of the State of  Tennessee  applicable  to  contracts to be
performed within said state.

           13.    No amendment or modification  hereof shall be effective unless
evidenced by a writing signed by Guarantor and Creditor.  When used herein,  the
singular  shall  include the plural,  and vice versa,  and the use of any gender
shall include all other genders, as appropriate.

           14.    Guarantor  hereby waives notice of acceptance of this Guaranty
by Creditor.

                                       3
<PAGE>

           IN WITNESS  WHEREOF,  the  undersigned  Guarantor  has executed  this
Guaranty,  or has caused this  Guaranty  to be  executed by its duly  authorized
representative, as of the date first above written.

                                               /s/ Harry D. Shields
                                               ---------------------------------
                                               HARRY D. SHIELDS

ACCEPTED this _____ day of October, 2000.

SOUTHTRUST BANK

By:
   ---------------------------------
                             (Title)

                                       4

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