Document:

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                                                                   EXHIBIT 10(e)

STATE OF ALABAMA     )
JEFFERSON COUNTY     )

                             SECOND AMENDMENT TO THE
                              AMENDED AND RESTATED
                             SOUTHTRUST CORPORATION
                           DEFERRED COMPENSATION PLAN

         THIS AMENDMENT, made and entered into and effective as of the 18th day
of December, 1996, by and between SOUTHTRUST CORPORATION, a Delaware corporation
with its principal place of business in Birmingham, Alabama (hereinafter for
convenience referred to as "SouthTrust"), and the Directors and Senior Officers
of SouthTrust (or any other Participating Employee) who had been or will be
designated by the Committee and who elected or will elect to participate
hereinafter for convenience referred to as (the "Participants") in the Amended
and Restated SouthTrust Corporation Deferred Compensation Plan, as amended (the
"Plan"), as follows:

                              W I T N E S S E T H:

         WHEREAS, SouthTrust established the Plan effective the 15th day of
July, 1992 and amended the Plan by the Addendum to SouthTrust Corporation
Deferred Compensation Plan on April 20, 1994, and further amended the Plan by
the First Amendment to the Amended and Restated SouthTrust Corporation Deferred
Compensation Plan dated June 28, 1996; and

         WHEREAS, SouthTrust has determined, in its sole discretion, that it is
beneficial to SouthTrust to permit Senior Officers who continue employment after
age 59 to defer all or part of their Compensation earned after age 59; and

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         WHEREAS, notwithstanding this Amendment to the Plan, it is intended
that the Plan shall remain unfunded for purposes of Title I of ERISA and for tax
purposes; and

         WHEREAS, Participants are currently, and will in the future be,
Directors or Senior Officers of SouthTrust or other Participating Employers.

         NOW, THEREFORE, IN CONSIDERATION OF THE ABOVE PREMISES, and mutual
covenants hereinafter set forth, faithfully to be kept by the parties hereto, it
is agreed as follows:

         FIRST: Section 1 of the Plan entitled Definitions shall be amended by
adding new definitions as Section 1.20 and 1.21 at the end of Section 1 to read
as follows:

         "1.20    "Early Retirement" means the voluntary termination of
employment by a Participant upon attaining his Early Retirement Age for any
reason."

         "1.21    "Deferred Retirement Age" shall mean the earlier of (1)
attainment of age 70, or (2) termination of employment from SouthTrust."

         SECOND: The first sentence of Section 4.1 of the Plan entitled Election
to Participate shall be deleted in its entirety and the following first sentence
shall be substituted in lieu thereof:

         "Prior to the beginning of any Plan Year a Participant may elect to
participate in the Plan by executing and delivering to the Human Resources
Department of SouthTrust (hereinafter referred to as the "HRD") a Salary
Deferral Agreement, in such form as

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SouthTrust shall prescribe, to defer all or any part of the Compensation which
would otherwise be paid to the Participant."

         THIRD: There shall be added to Section 7 a new paragraph 7.9 to read as
follows:

         Senior Officer Benefits Upon Deferred Retirement Age. A Senior Officer
Participant who attains his Normal Retirement Age and continues in employment
with SouthTrust or a Participating Employer may elect to continue to participate
in the Plan by executing and delivering to HRD a Salary Deferral Agreement,
prior to the beginning of any Plan Year, to defer any or all of the Compensation
which would otherwise be paid to such Participant during the Plan Year. Such
deferred amount shall be credited to a 'Deferred Retirement Account' to be
payable in cash and in one lump sum payment on or before the 30th day following
his Deferred Retirement Age, or as soon as administratively possible thereafter.
In the alternative, such Senior Officer Participant may elect to receive
payment, upon attainment of his Deferred Retirement Age in quarterly or annual
installments over a period not to exceed fifteen years, such installments to
commence on the first day of the quarter next following the attainment of
Deferred Retirement Age, or as soon as administratively possible thereafter, and
to continue until the entire Deferred Retirement Account is paid in full. The
amount of each such installment shall be equal to the result obtained by
dividing the balance of the Deferred Retirement Account immediately prior to
payment of such installment by the number of installments then remaining to be
paid. Such Senior

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Officer Participant may elect the alternative payment by notifying HRD in
writing at any time prior to the beginning of the Plan Year in which he attains
Deferred Retirement Age.

         FOURTH: The Plan, as hereby amended, shall continue in full force and
effect.

         IN WITNESS WHEREOF, SouthTrust, by and through its duly authorized
officers have caused this instrument to be executed under seal on the ____ day
of December, 1996.

                                           SOUTHTRUST CORPORATION

                                           By: /s/ Wallace D. Malone
                                              ---------------------------
                                              Wallace D. Malone
                                              Chairman of the Board and
                                              Chief Executive Officer
ATTEST:

/s/ Aubrey D. Barnard
------------------------
Aubrey D. Barnard
Secretary

[CORPORATE SEAL]

                                       4
<PAGE>

STATE OF ALABAMA    )
JEFFERSON COUNTY    )

                             FIRST AMENDMENT TO THE
                              AMENDED AND RESTATED
                             SOUTHTRUST CORPORATION
                           DEFERRED COMPENSATION PLAN

         THIS AMENDMENT, made and entered into and effective as of the 28th day
of June, 1996, by and between SOUTHTRUST CORPORATION, a Delaware corporation
with its principal place of business in Birmingham, Alabama (hereinafter for
convenience referred to as "SouthTrust"), and the Directors and Senior Officers
of SouthTrust (or any other Participating Employer) who had been or will be
designated by the Committee and who elected or will elect to participate
hereinafter for convenience referred to as (the "Participants") in the Amended
and Restated SouthTrust Corporation Deferred Compensation Plan (the "Plan"), as
follows:

                              W I T N E S S E T H:

         WHEREAS, SouthTrust established the Plan effective the 15th day of
July, 1992; and

         WHEREAS, SouthTrust has determined, in its sole discretion, that it is
beneficial to SouthTrust to offer additional forms of investments under the Plan
to the Participants; and

         WHEREAS, notwithstanding this Amendment to the Plan, it is intended
that the Plan shall remain unfunded for purposes of Title I of ERISA and for tax
purposes; and

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         WHEREAS, Participants are currently, and will in the future be,
Directors or Senior Officers of SouthTrust or other Participating Employers.

         NOW, THEREFORE, IN CONSIDERATION OF THE ABOVE PREMISES, and mutual
covenants hereinafter set forth, faithfully to be kept by the parties hereto, it
is agreed as follows:

         FIRST: Section 6.1 of the Plan entitled Establishment of Accounts shall
be amended by adding a new first sentence to read as follows:

         "Except as provided in Section 7.8, all amounts deferred and all
interest earned on each Participant's Account shall be controlled by this
Section 6.1."

         SECOND: Section 7.1 of the Plan entitled Value of Benefits shall be
amended by adding a new sentence at the end of Section 7.1 to read as follows:

         "In the event that a Participant makes an investment election under
Section 7.8 of the Plan, then the value of the Participant's Account shall be
determined under Section 7.8."

         THIRD: Section 7 of the Plan entitled Payment of Benefits shall be
amended by adding a Section 7.8 at the end of Section 7 to read as follows:

         "7.8 Additional Investment Options.

     (a)  Notwithstanding anything contained in any Section of this Plan to the
contrary, a Participant may elect, either prior to any Plan Year, so long as
such date is at least ninety (90) days prior to the earliest date in which a
participant would otherwise be

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eligible to receive benefits under the Plan, or within thirty (30) days after
the effective date of this Amendment to the Plan, to have SouthTrust invest all
or any part of its after-tax cost of capital for providing such Participant's
Account in any type of life insurance contract, on the life of the Participant
or the lives of the Participant and his spouse.

     (b)  Participant elections shall be made on such forms provided by HRD and
according to the procedures established by HRD. The election of the Participant
shall set forth the part of the Participant's Account to which the election
shall be applicable, the number and amount of annual payments to be invested by
SouthTrust in such life insurance contract, and the terms of the recoupment by
SouthTrust of its investment in such life insurance contract. Any life insurance
contract in which SouthTrust invests as a result of the election of the
Participant may be owned by SouthTrust, the Participant, or a third party,
including a separate trust established by the Participant. The rights and
obligations of SouthTrust and the policy owner with respect to premium payments,
policy cash values, policy death benefits, and other rights and obligations of
ownership shall be set forth in a split dollar life insurance agreement entered
into between SouthTrust and the policy owner. If the insurance contract is owned
by the Participant or a third party, then the insurance contract shall be
collaterally assigned to SouthTrust, and SouthTrust's interest in the insurance
policy shall be subject to the claims of SouthTrust's general creditors.

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     (c)  If such election is made, SouthTrust shall request from the Trustee of
the Trust, the funds, and SouthTrust shall invest such requested funds during
the lifetime of the insured(s) in the life insurance contract.

     (d)  The Participant's election under this Section 7.8 shall supersede any
form or timing of payment of benefits under the Plan. Any election under this
Section 7.8 shall be in writing and shall be effective when delivered to the
HRD. Such election shall be irrevocable and once made, each Participant shall
acknowledge that the election shall be irrevocable, except as may be provided in
any additional agreements evidencing such election, and shall prevent the
Participant from receiving any other form of benefit under the Plan with respect
to any amount that is subject to this alternative investment election."

         FOURTH: Section 10.1 shall be deleted and the following language shall
be added to read as follows:

         "10.1 Amendment or Termination of Plan. This Plan may be modified or
amended in whole or in part or terminated by SouthTrust at any time (whether or
not Participants are deferring Compensation under valid Salary Reduction
Agreements). However, in no event shall an amendment or termination of the Plan
alter, reduce or impair the Participant's or Beneficiary's accrued benefits or
optional forms of investments which are attributable to services performed prior
to the amendment or termination. In the event that the Plan is terminated, all
Accounts shall either

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continue to be credited with interest or all premiums of insurance shall be paid
until such Accounts are paid in full."

         FIFTH: The Plan, as hereby amended, shall continue in full force and
effect.

         IN WITNESS WHEREOF, SouthTrust, by and through its duly authorized
officers have caused this instrument to be executed under seal on the 28th day
of June, 1996.

                                       SOUTHTRUST CORPORATION

                                       By:    /s/ Wallace D. Malone
                                            ----------------------------
                                            Wallace D. Malone
                                            Chairman of the Board and
                                            Chief Executive Officer

ATTEST:

/s/ Aubrey D. Barnard
------------------------
Aubrey D. Barnard
Secretary

[CORPORATE SEAL]

                                       5
<PAGE>

STATE OF ALABAMA

JEFFERSON COUNTY

                                   ADDENDUM TO
                             SOUTHTRUST CORPORATION
                           DEFERRED COMPENSATION PLAN

         SOUTHTRUST CORPORATION, a Corporation organized and existing under the
laws of the State of Delaware, (hereinafter called the "Employer"), hereby
publishes on this the 20th day of April, 1994 this Addendum to the SouthTrust
Corporation Deferred Compensation Plan, as follows:

                              W I T N E S S E T H:

         WHEREAS, Employer, effective on January 21, 1987, established a
Deferred Compensation Plan and Trust; and

         WHEREAS, the Internal Revenue Service has recently taken the position
in a private letter ruling that all employers which participate in nonqualified
deferred compensation plans are grantors under the plan and accompanying trust;
and

         WHEREAS, it is the desire of SouthTrust Corporation that the Plan and
Trust conform to the Internal Revenue Service position.

         NOW, THEREFORE, in consideration of the premises hereinabove set forth,
Employer hereby clarifies the Plan, by addendum, as follows:

         FIRST: Section 6.3 of said Plan shall be amended to read as follows:

         6.3      Ownership of Accounts. Until paid to the Participant or
Beneficiary, all assets held in or allocated to each Participant's Account,
including all property and rights purchased with such amounts, and all income
attributable to such amounts, property, or rights, shall remain solely the
property and rights of the Trust, subject only to the claims of the general
creditors of the Employer and each Participating Employer.

         SECOND: Section 10.3 of said Plan shall be amended to read as follows:

         10.3     Unsecured Promise. SouthTrust, each Participating Employer and
each Participant acknowledges that this Agreement shall create only an unsecured
promise by SouthTrust and each Participating Employer to Participants to pay the
benefits provided herein. Until the occurrence of a distribution event, at which
point Participant shall be entitled to receive all amounts as provided
hereunder, all such amounts shall remain solely the property of SouthTrust and
each Participating Employer (with respect to the assets contributed on behalf of
its employees) subject only to the claims of the general creditors of the
Employer and each Participating Employer.

<PAGE>

         THIRD: This Addendum shall be effective as of the date first entered
above.

         FOURTH: In all other respects, said Plan is hereby ratified, confirmed
and approved.

         The Employer has caused this Addendum to be executed by its duly
authorized officer and duly attested, and its corporate seal to be hereunto
affixed on the day and year first above written.

                                        SOUTHTRUST CORPORATION

                                        By   /s/ Wallace D. Malone
                                           ------------------------------------
                                           Wallace D. Malone,
                                           Chairman and Chief Executive Officer

ATTEST:                                                   (EMPLOYER)

/s/ Aubrey D.Barnard
-----------------------
Aubrey D. Barnard,
Secretary

(CORPORATE SEAL)

                                       -2-
<PAGE>

STATE OF ALABAMA   )
JEFFERSON COUNTY   )

                              AMENDED AND RESTATED
                             SOUTHTRUST CORPORATION
                           DEFERRED COMPENSATION PLAN

         THIS AMENDMENT, made and entered into and effective as of the 15th day
of July ___, 1992, by and between SOUTHTRUST CORPORATION, a Delaware corporation
with its principal place of business in Birmingham, Alabama (hereinafter for
convenience referred to as "SouthTrust"), and the Directors and Senior Officers
of SouthTrust or any other Participating Employer who have been designated by
the Committee and who elect to participate (hereinafter for convenience referred
to as "Participants"), as follows:

                              W I T N E S S E T H:

         WHEREAS, SouthTrust has previously established the SouthTrust
Corporation Deferred Compensation Plan effective the 21st day of January, 1987,
and amended and restated effective the 19th day of December, 1990 and finally
amended the _____ day of __________, 1991; and

         WHEREAS, notwithstanding the establishment of a trust, it is intended
that the Plan shall remain unfunded for purposes of Title I of ERISA and for tax
purposes; and

         WHEREAS, SouthTrust has established a Trust for the Benefit of
Participants in the SouthTrust Corporation Deferred Compensation Plan
(hereinafter referred to as "Trust") for the purpose of providing, upon the
occurrence of certain events, the benefits prescribed under this Plan; and

         WHEREAS, due to the establishment of the Trust, it is appropriate to
amend and restate the Plan in its entirety; and

         WHEREAS, Participants are currently Directors or Senior Officers of
SouthTrust or other Participating Employers; and

         WHEREAS, Participants and SouthTrust or other Participating Employers
have agreed that a part of the Compensation to which the Participants shall be
entitled for services performed may be deferred according to the terms and
provisions set forth in this Plan and the Internal Revenue Code of 1986 as
amended.

         NOW, THEREFORE, IN CONSIDERATION OF THE ABOVE PREMISES, and the mutual
covenants hereinafter set forth, faithfully to be kept by the parties hereto, it
is agreed as follows:

         1.       DEFINITIONS.

                  1.1      "Beneficiary" means the individual or entity entitled
to be paid the balance of a deceased Participant's Salary Deferral Account.

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<PAGE>

                  1.2      "Board" means the Board of Directors of SouthTrust.

                  1.3      "Change In Control" means any one or more of the
following: 1) when any person or group of persons directly or indirectly becomes
the beneficial owner, or obtain(s) the right to acquire securities of SouthTrust
representing 20% or more of the combined voting power of SouthTrust's
outstanding voting stock; 2) when there is a change in the majority of the
members of the Board within any twenty-four month period; 3) when there is
consummated any merger or consolidation which would result in a change in
control under any other provision of this paragraph; 4) upon the adoption of any
plan or proposal for the liquidation or dissolution of SouthTrust; or 5) upon
the occurrence of any other event that would be required to be reported under
Item 6(e) of Schedule 14A of Regulation 14A of the Securities Exchange Act of
1934.

                  1.4      "Code" means the Internal Revenue Code of 1986, as
amended.

                  1.5      "Compensation" means all quarterly retainer fees,
meeting fees and committee fees payable to Directors, and salaries and bonuses
payable to Senior Officers.

                  1.6      "Committee" means the Human Resources Committee of
the Board.

                  1.7      "Director" means a member of the Board of Directors
of SouthTrust.

                  1.8      "Early Retirement Age" means with respect to Senior
Officers only, the attainment of age 55 and the completion of ten (10) years of
service with SouthTrust.

                  1.9      "Effective Date" of the Plan means the 21st day of
January, 1987.

                  1.10     "Normal Retirement Age" means:

                           (a)      for Directors, the earlier of

                                    (1)      attainment of age 70, or

                                    (2)      termination of membership on the
Board.

                           (b)      for Senior Officers, the attainment of age
60 whether or not employment ends or is continued.

                  1.11     "Participant" means a Director or Senior Officer who
has been designated for participation by the Committee and has elected to defer
Compensation under the terms of this Plan.

                  1.12     "Participating-Employer" means any organization
which, together with SouthTrust, is a member of an Affiliated Group as such term
is defined in Section 1504 of the Code, which has been designated by SouthTrust
as eligible to participate in this Plan and elects to participate in this Plan.

                  1.13     "Plan" means the Amended and Restated SouthTrust
Corporation Deferred Compensation Plan established by this document and as may
be amended from time to time and executed by SouthTrust, and any related
documents executed by the Participant.

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<PAGE>

                  1.14     "Plan Year" means, for the initial year, January 21,
1987 through December 31, 1987, both dates inclusive. For all subsequent years,
the Plan Year shall be the calendar year.

                  1.15     "Salary Deferral Account" or "Account" means the
account established by SouthTrust, pursuant to Paragraph 6.1, hereinbelow, in
its books and records to reflect the amount of Participant's Compensation
deferred pursuant to a Salary Deferral Agreement, and all net earnings, gains or
losses charged to such account.

                  1.16     "Salary Deferral Agreement" means the written
agreement, in a form approved by SouthTrust, executed by SouthTrust or a
Participating Employer and Participant providing for the deferral of a specified
amount or percentage of Compensation earned by the Participant for services
performed for SouthTrust (or any other Participating Employer).

                  1.17     "Senior Officer" means only full time employees of
SouthTrust or who are also the Chairman, President, Executive Vice Presidents or
Controller of SouthTrust; or the Chairman, President or Executive Vice
Presidents of any Participating Employer.

                  1.18     "SouthTrust" means SouthTrust Corporation, a
corporation, organized and existing under the laws of the State of Delaware,
with its principal place of business in Birmingham, Alabama, and any corporate
successor thereto, whether by merger, consolidation, liquidation into a parent
corporation, or otherwise.

                  1.19     "Trust" shall mean the Trust for the Benefit of
Participants in the SouthTrust Corporation Deferred Compensation Plan created
simultaneously herewith for the benefit of Participants pursuant to the terms of
this Plan.

         2.       PURPOSE. The Plan is intended to be unfunded for purposes of
Sections 201(2), 301(a)(3) and 401(a)(1) of Title I of ERISA and is also
intended to provide a method of deferring payment to Participant of a portion of
his Compensation up to the limits as provided herein.

         3.       ELIGIBILITY. Directors and Senior Officers who have been
designated for participation by the Committee.

         4.       PARTICIPATION.

                  4.1      Election to Participate. Prior to the beginning of
any Plan Year, a Participant may elect to participate in the Plan by executing
and delivering to the Human Resources Department of SouthTrust (hereinafter
referred to as the "HRD") a Salary Deferral Agreement, in such form as
SouthTrust shall prescribe, to defer any part of the Compensation which would
otherwise be paid to the Participant; except that for a Senior Officer, such
deferred amount cannot exceed thirty-five percent (35%) of such Senior Officer's
Expected Compensation for any given Plan Year. Such deferred amount shall be
credited to a special account established by SouthTrust, hereinafter referred to
as "Account". Any amounts deferred hereunder shall be payable pursuant to the
terms of this Plan as provided in Paragraphs 7 and 8 hereof. Expected
Compensation shall be defined as an amount equal to a Senior Officer's base pay
as of January 1 of the Plan Year plus an amount equal to the Maximum Award
amount payable pursuant to the SouthTrust Corporation Senior Officer Performance
Incentive Plan for the previous Plan Year which is payable during the Plan Year.

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<PAGE>

                  4.2      Modification or Revocation of Salary Deferral
Agreement. The Salary Deferral Agreement may be modified at any time by the
Participant with respect to Compensation to be earned during any Plan Year
commencing after the date of such modification by completing and executing a new
Salary Deferral Agreement which must be given to the HRD prior to the first day
of the Plan Year for which the modification shall become effective. The
Participant may revoke his Salary Deferral Agreement at any time by providing
written notice to the HRD in such form as the HRD shall prescribe, such
revocation to be effective with respect to Compensation to be earned during any
Plan Year commencing after the date of such revocation. Any Participant who has
revoked his Salary Deferral Agreement may thereafter execute a new Salary
Deferral Agreement and elect to participate in the Plan for Plan Years
subsequent to the execution of the new Salary Deferral Agreement.

                  4.3      Deferral Before Services Earned Notwithstanding
anything herein to the contrary, an election to defer Compensation must be made
before the beginning of the period of service for which the Compensation is
payable; except that in the first Plan Year in which a Participant becomes
eligible to participate, the newly eligible Participant may make an election to
defer Compensation for services performed subsequent to the election within 30
days after the date the Employee becomes eligible.

         5.       ESTABLISHMENT OF TRUST. All funds subject to deferral under
any portion of this agreement shall be paid by SouthTrust or a Participating
Employer to the Trustee under the Trust which is, at the date of this Amendment
and Restatement, Trust Company Bank, a Georgia corporation.

         6.       ESTABLISHMENT AND OWNERSHIP OF SALARY DEFERRAL ACCOUNTS.

                  6.1      Establishment of Accounts SouthTrust shall establish
a special bookkeeping account for each Participant electing to participate in
this Plan. All amounts deferred by a Participant under this Plan shall be
credited to his Account as of the date such amounts would have otherwise been
payable, but for the Participant's election to participate in this Plan. Each
Participants' Account will accrue interest, compounded quarterly, credited as of
the last day of each calendar quarter, at an annual rate equal to the greater of
(i) one Hundred (100) basis points above the Ten (10) Year Treasury Constant, as
published by the Federal Reserve Board weekly, or (ii) twelve percent (12%).
Such interest shall be credited to all existing Accounts so long as there
remains a positive balance in the Account, notwithstanding the termination or
amendment of this Plan nor the Participant's decision to cease participation in
this Plan. The Board, in its sole discretion, may change the rate of interest at
the beginning of each Plan Year by sending written notice of such change to the
HRD and to each Participant in the Plan prior to the start of such Plan Year.

                  6.2      Reports. At the end of each Plan Year, SouthTrust
shall issue each Participant, having a balance in his Account, a report
reflecting the current value of his Account.

                  6.3      Ownership Of Accounts. Until paid to the Participant
or Beneficiary, all assets held in or allocated to each Participant's Account,
including all property and rights purchased with such amounts, and all income
attributable to such amounts, property, or rights, shall remain solely the
property and rights of the Trust, subject only to the claims of the SouthTrust's
general creditors.

                                       4
<PAGE>

         7.       PAYMENT OF BENEFITS.

                  7.1      Value of Benefits. The assets held in or allocated to
each Participant's Account shall be valued as of the last day of each calendar
quarter (hereinafter "Valuation Date"). The benefits payable to the Participant,
or his or her Beneficiary, will be based on the value of the Participant's
Account as of the Valuation Date immediately preceding the time payment of
benefits are to commence hereunder.

                  7.2      Benefits Upon Attainment of Normal Retirement Age. A
Participant who attains Normal Retirement Age shall receive the entire balance
in his Account in cash and in one lump sum payment on or before the thirtieth
(30th) day following such event, or as soon as administratively possible
thereafter. In the alternative, the Participant may elect to receive payment,
upon attainment of Normal Retirement Age, by notifying the HRD in writing at any
time prior to the beginning of Plan Year in which he attains Normal Retirement
Age, in quarterly or annual installments over a period not to exceed five (5)
years for Director Participants and fifteen (15) years for Senior Officer
Participants, such installments to commence on the first day of the quarter next
following his attainment of Normal Retirement Age, or as soon as
administratively possible thereafter, and to continue until the entire Account
balance is paid in full. The amount of each such installment shall be equal to
the result obtained by dividing the balance of the Account immediately prior to
payment of such installment by the number of installments then remaining to be
paid.

                  7.3      Senior Officer Benefits Upon Attainment of Early
Retirement Age. A Senior Officer Participant who attains Early Retirement Age
and elects Early Retirement from SouthTrust or a Participating Employer shall
have a deferred interest, and shall receive the entire balance in his Account in
cash and in one lump sum payment on or before the thirtieth (30th) day following
his attainment of Normal Retirement Age, or as soon as administratively possible
thereafter. In the alternative, the Participant may elect to receive payment
upon attainment of Normal Retirement Age by notifying the HRD in writing at any
time prior to the first day of the Plan Year in which Participant elects Early
Retirement, in quarterly or annual installments over a period not to exceed
fifteen (15) years, such installments to commence on the first day of the
quarter next following his attainment of Normal Retirement Age, or as soon as
administratively possible thereafter, and shall continue until the entire
Account balance is paid in full. The amount of each such installment shall be
equal to the result obtained by dividing the balance of the Account immediately
prior to payment of such installment by the number of installments then
remaining to be paid.

                  7.4      Senior Officer Benefits Upon Termination Prior to
Early Retirement Age. If a Senior Officer Participant terminates employment with
SouthTrust, or a Participating Employer, prior to attainment of Early Retirement
Age, for any reason other than death, the Senior Officer Participant shall
receive a benefit equal to the entire balance in his Account, payable in one
lump sum as of the first day of the first calendar quarter following the
anniversary of such termination from Service, or as soon as administratively
possible thereafter in the sole discretion of SouthTrust.

                  7.5      Death Benefits.

                           (a)      If Participant dies prior to becoming
eligible for payment pursuant to Paragraphs 7.2, 7.3 or 7.4, hereinabove, the
entire balance in his Account shall be paid to Participant's designated
Beneficiary. Except as provided in sub-paragraphs 7.6(b) and (c) hereinbelow,
payment under

                                       5
<PAGE>

this sub-paragraph 7.6(a) shall be made in cash and in one lump sum within
thirty (30) days of the date of Participant's death or as soon as
administratively possible thereafter.

                           (b)      Notwithstanding anything in sub-paragraph
7.6(a) hereinabove to the contrary and subject to sub-paragraph 7.6(c)
hereinbelow, SouthTrust, in its sole discretion, may defer payments under this
Paragraph 7.6 for a period of up to one year following the date of Participant's
death.

                           (c)      Notwithstanding anything in sub-paragraphs
7.6(a) or (b) hereinabove to the contrary, the Participant may elect to have
payments under this Paragraph 7.6 made to his designated Beneficiary by
notifying the HRD in writing, at any time prior to his death, in quarterly or
annual installments over a period not to exceed fifteen (15) years, such
installments to commence on the first day of the calendar quarter next following
the date upon which Participant would have attained Normal Retirement Age had he
survived, and shall continue until the entire Account balance is paid in full.
The amount of each such installment shall be equal to the result obtained by
dividing the balance of the Account immediately prior to payment of such
installment by the number of installments then remaining to be paid.

                  7.6      Death Benefits While in Pay Status. If Participant
dies after payments under this Paragraph 7 have commenced, the remaining
payments, if any, shall be paid to Participant's designated Beneficiary in
accordance with Participant's election. Notwithstanding the immediately
preceeding sentence, in the sole discretion of SouthTrust, the remaining balance
in Participant's Account may be paid to the designated Beneficiary in one lump
sum within thirty (30) days of the date of Participant's death.

                  7.7      Beneficiary Designations. The Participant may
designate one or more individuals or entities as his Beneficiary or change any
prior designation, such designation or change in designation to be (i) in
writing, (ii) in such form as SouthTrust shall prescribe, and (iii) maintained
by the HRD. In the absence of a valid Beneficiary designation by the
Participant, payment of death benefits will be paid to the estate of the
Participant. Any Participant or former Participant may change his designated
Beneficiary, at any time, and without consent of the former designated
Beneficiary.

         8.       CHANGE IN CONTROL. Notwithstanding anything in Paragraph 7
hereinabove to the contrary, and in lieu of the payment provisions contained
therein, Participant may elect to receive payment of his Account balance, in
cash and in one lump sum as of the effective date of a Change In Control. In
order for such election to be valid, it shall be (i) in writing, (ii) in such
form as SouthTrust shall prescribe, and (iii) delivered to the HRD at least
twelve (12) months prior to the effective date of the Change In Control. In the
absence of a valid election by the Participant, payment of Participant's Account
balance will be made in accordance with Paragraph 7 hereinabove. Any Participant
or former Participant may change his election at any time, and without consent
of any Beneficiary, such election to be effective on the first day of the Plan
Year which is at least twelve (12) months following the date of such election
and at least twelve (12) months prior to a Change In Control.

         9.       ADMINISTRATION.

                  9.1      Administrator. This Plan shall be administered by the
HRD.

                  9.2      Administrator's Powers and Duties. The Administrator
shall have the power and duty to:

                                       6
<PAGE>

                           (a)      construe and interpret the provisions of the
Plan;

                           (b)      adopt, amend, or revoke rules and
regulations for the administration of the Plan, provided they are not
inconsistent with the provisions of the Plan;

                           (c)      provide appropriate parties with such
returns, reports, descriptions and statements as may be required by law, within
the times prescribed by law and to make them available for examination by
Participants and their Beneficiaries when required by law;

                           (d)      take such other action as may reasonably be
required to administer the Plan in accordance with its terms or as may be
provided for or required by law;

                           (e)      withhold applicable taxes and file with the
Internal Revenue Service appropriate information returns, with respect to
distributions made from the Plan; and

                           (f)      appoint and retain such persons as may be
necessary to carry out the functions of the Administrator; and

                           (g)      Upon the occurrence of a Change In Control,
the Committee shall delegate and the Trustee shall accept any and all
administrative duties created by this Agreement.

         10.      MISCELLANEOUS.

                  10.1     Amendment or Termination of Plan. This Plan may not
be modified or amended in whole or in part, or terminated, at any time while
there are any Participants who continue to defer Compensation under valid Salary
Reduction Agreements. In addition, no amendment or termination of the Plan shall
reduce or impair the Participant's or Beneficiary's accrued benefits or optional
forms of benefits which are attributable to services performed prior to the
amendment or termination. In the event the Plan is terminated, all Accounts
shall continue to be credited with interest until all such Accounts are paid in
full.

                  10.2     Reversion of Excess Assets. In the event there are
assets (Excess Assets) remaining in the Trust after all obligations to all
Participants and Beneficiaries have been satisfied and after this Plan has been
terminated, such Excess Assets shall revert to SouthTrust.

                  10.3     Unsecured Promise. SouthTrust, each Participating
Employer and each Participant acknowledges that this Agreement shall create only
an unsecured promise by SouthTrust to Participants to pay the benefits provided
herein. Until the occurrence of a distribution event, at which point Participant
shall be entitled to receive all amounts as provided hereunder, all such amounts
shall remain solely the property of SouthTrust, subject only to the claims of
its general creditors.

                  10.4     Assignment of Rights to Benefits. A Participant's
rights to benefit payments under the Plan shall not be subject in any manner to
anticipation, alienation, sale, transfer, assignment, pledge, encumbrance,
attachment or garnishment by the Participant, by creditors of the Participant or
the Participant's beneficiary.

                                       7
<PAGE>

                  10.5     Unfunded Plan. It is the intention of SouthTrust,
each Participating Employer and each Participant that the Plan be unfunded for
tax purposes and for purposes of Title I of ERISA.

                  10.6     Right to Employment. This Agreement shall not be
construed as giving the Participant any right to continued employment with
SouthTrust.

                  10.7     Binding Nature of the Plan. The Plan shall be binding
upon and inure to the benefit of SouthTrust, its successors and assigns,
Participating Employers, the Participant and Beneficiaries and their heirs and
legal representatives.

                  10.8     Written Notice. Any notice or other communication
required or permitted under the Plan shall be in writing. If directed to
SouthTrust, the notice or communication shall be sent to the HRD of SouthTrust.
If directed to the Participant, it shall be sent to such Participant at the last
known address as it appears on SouthTrust's records or at the work site, at
SouthTrust's option. If directed to a Beneficiary, it shall be sent to such
Beneficiary at the last known address as it appears on SouthTrust's records. A
copy of any such notice shall be promptly delivered to the Trustee.

                                       8
<PAGE>

                  10.9     Entire Agreement. This Plan, as completed and
executed by SouthTrust and/or Participating Employers, the Salary Deferral
Agreements, Designation of Beneficiary forms, Distribution Election Forms and
Change In Control election forms executed by Participants and all amendments
thereto, will constitute the entire agreement between SouthTrust and Participant
regarding the Plan.

                  10.10    Controlling Law. This Plan shall be construed in
accordance with the laws of the State of Alabama.

                  10.11    Captions. The captions or headings in this Agreement
are made for convenience and general reference only and shall not be construed
to describe, define or limit the scope or intent of the provisions of this
Agreement.

         IN WITNESS WHEREOF, SouthTrust by and through its duly authorized
officers have caused this instrument to be executed under seal on the 15 day of
July, 1992.

                                           SOUTHTRUST CORPORATION

                                           By /s/ Wallace D. Malone
                                             -----------------------------
                                             Wallace D. Malone
                                             Chairman of the Board and
                                             Chief Executive Officer
Attest:

/s/ Aubrey D. Barnard                                        (SouthTrust)
------------------------
Aubrey D. Barnard
Secretary

[CORPORATE SEAL]

                                       9<PAGE>
                                                                   EXHIBIT 10(f)

STATE OF ALABAMA           )

JEFFERSON COUNTY           )

                             SOUTHTRUST CORPORATION
                        ENHANCED RETIREMENT BENEFIT PLAN

         SOUTHTRUST CORPORATION, a Delaware corporation with its principal place
of business in Birmingham, Alabama (hereinafter for convenience referred to as
"SouthTrust") hereby adopts and publishes this the SouthTrust Corporation
Enhanced Retirement Benefit Plan for the benefit of a select group of highly
compensated or management employees of SouthTrust and other Employing Companies
(hereinafter for convenience referred to as "Participants"), to be effective as
of the 18th day of October, 2000, as follows:

                              W I T N E S S E T H:

         WHEREAS, it is intended that this Plan will provide retirement benefits
to certain selected Participants in addition to any retirement benefits provided
under the Retirement Plan (as defined below), Additional Retirement Benefit
Plan (as defined below) and Performance Incentive Plan (as defined below); and

         WHEREAS, it is intended that the Plan shall remain unfunded for
purposes of Title I of ERISA and for income tax purposes; and

         WHEREAS, SouthTrust has established the Trust for the Benefit of
Participants in the SouthTrust Corporation Enhanced Retirement Benefit Plan
(hereinafter referred to as "Trust") for the purpose of providing, upon the
occurrence of certain events, the benefits prescribed under this Plan; and

         WHEREAS, Participants are currently highly compensated or management
employees of SouthTrust and other Employing Companies; and

         WHEREAS, SouthTrust has determined that the Participants have performed
outstanding services for SouthTrust, and as such, shall be entitled to enhanced
retirement benefits according to the terms and provisions set forth in this Plan
and the Internal Revenue Code of 1986 as amended.

         NOW, THEREFORE, IN CONSIDERATION OF THE ABOVE PREMISES, and the mutual
covenants hereinafter set forth, faithfully to be kept by the parties hereto, it
is agreed as follows:

         1.       DEFINITIONS. In addition to the definitions listed below, all
definitions found in the Retirement Plan which are necessary for the logical
interpretation of the terms of this Plan are incorporated herein by reference as
if fully set forth herein.

                  1.1      "Additional Retirement Benefit Plan" means the
SouthTrust Corporation Amended and Restated Additional Retirement Benefit Plan,
as the same may be from time to time amended.
<PAGE>

                  1.2      "Beneficiary" means the individual or entity entitled
to be paid the balance of a deceased Participant's benefits hereunder and shall
be the same beneficiary as elected by the Participant under the Retirement Plan
(as hereinafter defined).

                  1.3      "Board" means the Board of Directors of SouthTrust.

                  1.4      "Change in Control" means any one or more of the
following: (i) when any person or group of persons, directly or indirectly,
becomes the beneficial owner of, or obtain(s) the right to acquire securities of
SouthTrust representing 20% or more of the combined voting power of SouthTrust's
outstanding voting stock; (ii) when there is a change in the majority of the
members of the Board within any twenty-four month period; (iii) when there is
consummated any merger or consolidation which would result in a change in
control under any other provision of this paragraph; (iv) upon the adoption of
any plan or proposal for the liquidation or dissolution of SouthTrust; or (v)
upon the occurrence of any other event that would be required to be reported
under Item 6(e) of Schedule 14A of Regulation 14A of the Securities Exchange Act
of 1934.

                  1.5      "Code" means the Internal Revenue Code of 1986, as
amended.

                  1.6      "Committee" means the Human Resources Committee of
SouthTrust.

                  1.7      "Earnings" means, without limitation, the annual base
salary payable to a Participant for services actually rendered in the course of
employment with SouthTrust or Employing Company, inclusive of overtime,
commissions, bonuses, other incentive pay, any compensation which is salary
reduced under Sections 125, 401(k), 402(e)(3), 402(n) or 403(b) of the Code and
any compensation with respect to which an election to defer under a SouthTrust
non-qualified deferred compensation plan has been made by the Participant for
such Plan Year.

                  1.8      "Effective Date" of the Plan means the 1st day of
January, 2000.

                  1.9      "Employing Company" means any subsidiary or other
organization which is a member of an Affiliated Group, as that term is defined
in Section 1504 of the Code, with SouthTrust.

                  1.10     "Final Average Earnings" means the average monthly
amount determined by dividing the total Earnings of a Participant for the three
(3) consecutive Plan Years in which his Earnings were highest during the last
fifteen (15) Plan Years of his Credited Service prior to or coincident with his
actual retirement (or in the case of a Participant who is receiving disability
benefits pursuant to Article 5 of the Retirement Plan, prior to the date he
becomes totally and permanently disabled), or other date as of which calculation
in respect thereof is to be made, by thirty-six (36). In the event that the
Participant shall have had Earnings for less than three (3) consecutive Plan
Years, his total Earnings for such lesser number of consecutive Plan Years shall
be divided by the product of 12 and the number such Plan Years during such total
period.

                  1.11     "Performance Incentive Plan" means the SouthTrust
Corporation Performance Incentive Retirement Benefit Plan, as the same may be
from time to time amended.

                  1.12     "Participant" means a highly compensated or
management employee of SouthTrust who has been notified by the Committee that he
is covered under this Plan.

                                        2

<PAGE>

                  1.13     "Plan" means the SouthTrust Corporation Enhanced
Retirement Benefit Plan established by this document and as may be amended from
time to time and executed by SouthTrust, and any related documents executed by
the Participant.

                  1.14     "Plan Year" means the calendar year.

                  1.15     "Retirement Plan" means the SouthTrust Corporation
Revised Retirement Income Plan, as the same may be from time to time amended.

                  1.16     "SouthTrust" means SouthTrust Corporation, a
corporation, organized and existing under the laws of the State of Delaware,
with its principal place of business in Birmingham, Alabama, and any corporate
successor thereto, whether by merger, consolidation, liquidation into a parent
corporation, or otherwise.

                  1.17     "Trust" shall mean the Trust for the Benefit of
Participants in the SouthTrust Corporation Enhanced Retirement Benefit Plan
created simultaneously herewith for the benefit of Participants pursuant to the
terms of this Plan.

         2.       PURPOSE. The Plan is intended to be unfunded for purposes of
Title I of ERISA and for tax purposes and is also intended to provide enhanced
retirement benefits to the Participants.

         3.       ELIGIBILITY. Only those highly compensated or management
employees of SouthTrust selected and notified by the Committee to participate.

         4.       PARTICIPATION. The Committee will select those employees, if
any, who will participate in the Plan by executing and delivering to the Board
in such form as the Committee shall prescribe, a list of all Participants in the
Plan including their participation dates. The Board will notify each Participant
in writing of his participation in the Plan and the date he commenced
participation in the Plan.

         5.       ESTABLISHMENT OF TRUST. SouthTrust or any Employing Company
does hereby establish this Trust by making contributions to the Trustee of the
Trust which is, at the effective date of this Plan, SouthTrust Bank, a Georgia
corporation ("Trustee") to satisfy any and all obligations under the Plan.

         6.       BENEFITS.

                  6.1      The types of benefits payable under this Plan shall
be the same as those provided under the Retirement Plan.

                  6.2      Value of Benefits. The benefits payable to the
Participant, or his Beneficiary, shall be equal to, as of any date, the excess
(if any) of (a) over (b) below:

                           (a)      The Actuarial Equivalent of the Accrued
Benefit that the Participant would have accrued under the Retirement Plan as of
such date if

                                        3
<PAGE>

                                    (1)      The Participant's Final Average
Earnings are determined in accordance with Section 1.10 of this Plan as of such
date;

                                    (2)      The Participant's Earnings are
determined in accordance with Section 1.7 of this Plan as of such date;

                                    (3)      The limitations imposed by Article
VIII of the Retirement Plan were inapplicable.

                           (b)      The Actuarial Equivalent of the
Participant's actual Accrued Benefit determined under the terms of the
Retirement Plan at such date plus the Actuarial Equivalent of the Participant's
actual Accrued Benefit determined under the term of the Additional Retirement
Benefit Plan and Performance Incentive Plan at such date.

                  6.3      Death Benefits. If a Participant dies before
commencing to receive payment of his Accrued Benefit hereunder, the Eligible
Spouse of such Participant shall be entitled to receive, or commence to receive
as of the first day of the month following the later of the month in which such
Participant would have attained his Qualified Retirement Date, or the date of
such Participant's death, the payments that would have been made to such
Eligible Spouse under a Qualified Joint and Survivor Annuity if:

                           (a)      In the case of a Participant who dies on or
after attaining his Qualified Retirement Date, the Participant had retired with
an immediate Qualified Joint and Survivor Annuity on the day before his death;
or

                           (b)      In the case of a Participant who dies before
attaining his Qualified Retirement Date, the Participant had (i) survived to his
Qualified Retirement Date, (ii) commenced receiving the Actuarial Equivalent of
his Accrued Benefit in the form of a Qualified Joint & Survivor Annuity on his
Qualified Retirement Date, and (iii) died on the day after the date on which he
would have attained his Qualified Retirement Date.

         7.       PAYMENT OF BENEFITS. Payment of the benefits provided for in
Section 6 hereinabove shall be made in the same manner, at the same time, upon
occurrence of the same events, and subject to the same conditions as provided
under the Retirement Plan. If a Participant's Beneficiary (including an Eligible
Spouse) becomes eligible at any time to receive a death benefit which is payable
prior to the commencement of a Participant's retirement benefit under the
Retirement Plan, the Beneficiary shall be entitled to a benefit equal to (A) the
amount of the death benefit which the Beneficiary is entitled to receive under
this Plan, without regard to any limitations imposed by the Code and by the
terms of the Retirement Plan, reduced by (B) the amount of the death benefit
which the Beneficiary is entitled to receive under the terms, provisions and
limitations of the Retirement Plan, the Additional Retirement Benefit Plan and
the Performance Incentive Plan.

         8.       ADMINISTRATION.

                  8.1      Administrator. This Plan shall be administered by the
Committee.

                                        4
<PAGE>

                  8.2      Administrator's Powers and Duties. The Administrator
shall have the power and duty to:

                           (a)      Construe and interpret the provisions of the
Plan;

                           (b)      Adopt, amend, or revoke rules and
regulations for the administration of the Plan, provided they are not
inconsistent with the provisions of the Plan;

                           (c)      Provide appropriate parties with such
returns, reports, descriptions and statements as may be required by law, within
the times prescribed by law and to make them available for examination by
Participants and their Beneficiaries when required by law;

                           (d)      Take such other action as may reasonably be
required to administer the Plan in accordance with its terms or as may be
provided for or required by law;

                           (e)      Withhold applicable taxes and file with the
Internal Revenue Service appropriate information returns, with respect to
distributions made from the Plan; and

                           (f)      Appoint and retain such persons as may be
necessary to carry out the functions of the Administrator;

Upon the occurrence of a Change In Control, the Committee shall delegate and the
Trustee shall accept any and all administrative duties created by this
Agreement.

         9.       CLAIMS.

                  9.1      Submission of Claim. Claims for benefits under this
Plan are to be submitted to the Administrator.

                  9.2      Notice of Denial of Claim. If a claim for benefits
under this Plan is denied, the Administrator shall provide notice to the
claimant in writing of the denial within 90 days after its submission. The
notice shall be written in a manner calculated to be understood by the claimant
and shall include: (i) the specific reason or reasons for the denial; (ii)
specific reference to the pertinent Plan provisions on which the denial was
based; (iii) a description of any additional material or information necessary
for the claimant to perfect the claim and an explanation of why such material or
information is necessary; and (iv) an explanation of the Plan's claims review
procedures.

                  9.3      Extension of time. If special circumstances require
an extension of time for processing the initial claim, a written notice of the
extension and the reason therefor shall be furnished to the claimant before the
end of the initial 90 day period. In no event shall such extension exceed 90
days.

                  9.4      Review of Denial of Claim. The decision on review
shall be made within 60 days of receipt of the request for review, unless
special circumstances require an extension of time for processing, in which case
a decision shall be rendered as soon as possible, but not later than 120 days
after receipt of the request for review. If such an extension of time is
required, written notice of extension shall be furnished to the claimant before
the end of the original 60 day period. The decision on review shall

                                        5
<PAGE>

be made in writing, shall be written in a manner calculated to be understood by
the claimant, and shall include specific references to the provisions of the
Plan on which the denial is based. If the decision on review is not furnished
within the time specified above, the claim shall be deemed denied on review.

         10.      MISCELLANEOUS.

                  10.1     Amendment or Termination of Plan. This Plan may not
be modified or amended in whole or in part, except as amendments may be required
as a result of applicable amendments made to the Retirement Plan, the Additional
Retirement Benefit Plan or the Performance Incentive Plan. This Plan may not be
terminated except to the extent that the Retirement Plan, the Additional
Retirement Plan or the Performance Incentive Plan is terminated. In addition, no
amendment or modification to the Plan shall reduce or impair the Participant's
or Beneficiary's accrued benefits or optional forms of benefits which are
attributable to services performed prior to the amendment. In the event the Plan
is terminated prior to a Participant's Normal Retirement Age, as defined in the
Retirement Plan, the benefit payable to or with respect to the Participant
hereunder shall be limited to the actuarial equivalent of the Participant's
benefit hereunder, determined as of the date of payment of such benefit is made.

                  10.2     Reversion of Additional Assets. In the event there
are assets ("Additional Assets") remaining in the Trust after all obligations to
all Participants and Beneficiaries have been satisfied and after this Plan has
been terminated, such Additional Assets shall revert to SouthTrust.

                  10.3     Unsecured Promise. SouthTrust, each Participant and
each Employing Company acknowledge that this Agreement shall create only an
unsecured promise by SouthTrust to Participants to pay the benefits provided
herein. Until the occurrence of a distribution event, at which point Participant
shall be entitled to receive all amounts as provided hereunder, all such amounts
shall remain solely the property of SouthTrust, subject only to the claims of
its general creditors.

                  10.4     Assignment of Rights to Benefits. A Participant's
rights to benefit payments under the Plan shall not be subject in any manner to
anticipation, alienation, sale, transfer, assignment, pledge encumbrance,
attachment or garnishment by the Participant, by creditors of the Participant or
the Participant's beneficiary.

                  10.5     Unfunded Plan. It is the intention of SouthTrust,
each Participating Employer and each Participant that the Plan be unfunded for
income tax purposes and for purposes of Title I of ERISA.

                  10.6     Right to Employment. This Agreement shall not be
construed as giving the Participant any right to continued employment with
SouthTrust.

                  10.7     Adoption By Employing Companies. Any Employing
Company other than SouthTrust may adopt the Plan by executing and delivering to
SouthTrust a written instrument provided for such Adoption.

                                        6
<PAGE>

                  10.8     Binding Nature of the Plan. The Plan shall be binding
upon and inure to the benefit of SouthTrust, its successors and assigns, the
Participant and Beneficiaries and their heirs and legal representatives.

                  10.9     Written Notice. Any notice or other communication
required or permitted under the Plan shall be in writing. If directed to
SouthTrust, the notice or communication shall be sent to the Committee and the
Trustee. If directed to the Participant, it shall be sent to such Participant at
the last known address as it appears on SouthTrust's records or at the work
site, at SouthTrust's option. If directed to a Beneficiary or Eligible Spouse,
it shall be sent to such Beneficiary or Eligible Spouse at the last known
address as it appears on SouthTrust's records.

                  10.10    Entire Agreement. This Plan, as completed and
executed by SouthTrust, the designation of Beneficiary forms executed by
Participants and all amendments thereto, will constitute the entire agreement
between SouthTrust and Participants regarding the Plan.

                  10.11    Controlling Law. This Plan shall be construed in
accordance with the laws of the State of Alabama.

                  10.12    Captions. The captions or headings in this Agreement
are made for convenience and general reference only and shall not be construed
to describe, define or limit the scope or intent of the provisions of this
Agreement.

         IN WITNESS WHEREOF, SouthTrust by and through its duly authorized
officers have caused this instrument to be executed under seal on the 18th day
of October, 2000.

                                    SOUTHTRUST CORPORATION

                                    By: /s/ Charles Whitfield, Jr.
                                       ---------------------------
                                       Its: Sr. Vice President
                                           -----------------------
Attest:

By:    /s/ Alton E. Yother                 (SouthTrust)
     ------------------------
     Its:
         --------------------

[CORPORATE SEAL]

                                        7

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