Document:

Exhibit 10.12

                         REAL ESTATE PURCHASE AGREEMENT

     THIS REAL ESTATE PURCHASE  AGREEMENT  ("Agreement")  is made as of the 14
day of September  2000, by and between NATIONAL CITY BANK OF KENTUCKY,  a
national banking association,  successor to COMMERCENATIONAL BANK, whose address
is 101 South Fifth Street,  Louisville,  Kentucky  40202  ("Seller"),  and FIRST
SECURITY BANK OF LEXINGTON, INC., a Kentucky banking corporation,  whose address
is 400 East Main Street,  Lexington,  Kentucky 40507 ("Buyer"), or its assignees
as provided hereafter. In consideration of the mutual promises,  covenants,  and
agreements hereinafter set forth, and for other good and valuable consideration,
Seller and Buyer agree as follows:

         1.       Purchase and Sale, Condition of the Premises.

     (a) Purchase and Sale. On the terms and subject to the conditions set forth
in this Agreement,  Seller shall sell, convey, assign, and transfer to Buyer and
Buyer shall  purchase from Seller all of Seller's  right,  title and interest in
and to the following described property:

     The real property described in the attached Exhibit A", which Exhibit A" is
incorporated  herein  by  this  reference,   together  with  and  including  all
structures,  improvements,  immovable fixtures and appurtenances located thereon
or related thereto (the  "Premises").  The Premises  generally  consist of a lot
[and  improvements]  located at 318 -320 East Main  Street,  Lexington,  Fayette
County, Kentucky, together with all rights presently titled to Seller pertaining
to such property, including all rights of way, easements,  appurtenances, roads,
streets; all ventilating,  heating and air conditioning  equipment;  all shrubs,
plants and trees; all installed electrical  fixtures,  each such item in its "AS
IS "  condition;  and all  architectural  plans to the  extent the same exist in
Seller's possession.

     (b)  Limited  Warranty  Sale.  As  provided  herein,  Buyer  will  have  an
opportunity to thoroughly  inspect the Premises  including,  but not limited to,
title and survey matters. Therefore, Seller warrants title to the Premises as to
its acts only and makes no other  warranties  whatsoever  as to the title of the
Premises.
          (c) As Is " Sale. Buyer and its  representatives  will be afforded the
     opportunity  to continue to make such  inspections  of the Premises and any
     personal   property   and  matters   related   thereto  as  Buyer  and  its
     representatives  desire.  Buyer acknowledges that notwithstanding any prior
     or contemporaneous oral or written representations,  statements,  documents
     or understandings,  this Agreement  constitutes the entire understanding of
     the parties with respect to the subject  matter hereof and  supersedes  any
     such prior or contemporaneous oral or written representations,  statements,
     documents or  understandings.  BUYER FURTHER  ACKNOWLEDGES THAT SELLER DOES
     NOT MAKE ANY  REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER,  EITHER
     EXPRESS OR IMPLIED, EXCEPT AS SPECIFICALLY CONTAINED HEREIN WITH RESPECT TO
     THE  PREMISES,  PERSONAL  PROPERTY  OR ANY  RELATED  MATTERS,  AND THAT THE
     PREMISES AND PERSONAL PROPERTY ARE SOLD TO BUYER IN AN "AS IS", "WHERE IS",
     "WITH  ALL  FAULTS  "  CONDITION.   In  particular,   except  as  otherwise
     specifically   provided   for  in   this   Agreement,   Seller   makes   no
     representations or warranties with respect to the use, physical  condition,
     occupation  or  management  of the  Premises,  compliance  with  applicable
     statutes, laws, codes, ordinances,  regulations or requirements relating to
     leasing,  zoning,  subdivision,  planning,  building, fire, safety, health,
     insurability   or   environmental   matters,   compliance  with  covenants,
     conditions and  restrictions  (whether or not of record)  pertaining to the
     title to the Premises,  other local, municipal,  regional, state or federal
     requirements,  or other statutes, laws, codes,  ordinances,  regulations or
     requirements.

          2.  Representations and Warranties of Seller. To induce Buyer to enter
     into this  Agreement and to purchase the Premises,  Seller  represents  and
     warrants to Buyer as follows, which representations and warranties shall be
     true and correct as of the date of closing of the sale of the Premises:

          (a)  Authority  to Enter  Into  Agreement.  Seller  has full power and
     authority  to enter  into and carry out the  terms and  provisions  of this
     Agreement and the  transactions  contemplated  hereby,  including the sale,
     assignment,  transfer,  conveyance  and  delivery of the Premises to Buyer,
     without  obtaining  the  approval or consent of any other  party.  Seller's
     execution,  delivery  and  performance  of this  Agreement  and  all  other
     agreements or instruments  contemplated  hereby will be a legal,  valid and
     binding obligation of Seller enforceable in accordance with its terms.

          (b)  Litigation.  Seller  has  not  been  served  with  notice  of any
     litigation,  action or legal,  administrative,  arbitration,  condemnation,
     assessment or other proceeding against the Premises or any part thereof.

          (c) Compliance with Laws. Seller has no actual notice of any violation
     of any  statute,  law,  code,  rule or  regulation  of any local,  state or
     federal  government or regulatory agency or of any structural,  mechanical,
     title or survey defect affecting the use of the Premises (unless  otherwise
     provided for herein).

          (d) Contracts and  Agreements.  Seller is not a party to any executed,
     valid and binding  contract to sell the Premises  other than this Agreement
     or any contract  which will be  effective  only in the event Buyer fails to
     purchase the  Premises.  Seller  hereby  specifically  retains the right to
     enter into valid and  binding  contracts  to sell the  Premises at any time
     hereafter  until the closing,  so long as such contract  becomes  effective
     only in the event the Buyer fails to complete  the purchase of the Premises
     so long as the Buyer's  failure to complete such purchase is not due to the
     default of Seller.  There are no  contracts,  agreements,  or  arrangements
     relating to the maintenance,  use, leasing,  management and/or operation of
     the Premises  which are not set forth and scheduled in Exhibit "B" attached
     hereto  and  incorporated  herein  by  reference.  After  the  date of this
     Agreement, Seller shall not enter into any amendments to existing contracts
     or agreements  or any  additional  contracts or agreements  relating to the
     maintenance,  use,  leasing,  management  and/or  operation of the Premises
     which  shall  extend  beyond the  closing  without  Buyer's  prior  written
     consent.

          (e) Leases and Advance Rental.  All "Tenant" (as hereinafter  defined)
     leases are in full force and effect and Seller has not  breached and is not
     in default under any of the Tenant leases.  The copies of the Tenant leases
     delivered  to Buyer are true and complete  and include all  amendments  and
     modifications  thereof.  Other than the Tenant  leases  delivered to Buyer,
     there  are  no  Tenant  leases,  contracts,   agreements,   commitments  or
     undertakings  that will be binding upon Buyer or on the Premises  after the
     closing.  Neither  Seller nor any other  person has  required  or  accepted
     rental from any Tenant for more than one (1) month in  advance.  All Tenant
     leases and rental  arrangements  are in writing,  are valid and enforceable
     according to their  respective  terms, and are not subject to any offset or
     counterclaim.  Seller  agrees not to grant any rent  concessions  after the
     date of this Agreement  without Buyer's prior written  approval.  Except as
     otherwise provided in this Agreement,  so long as this Agreement remains in
     effect,  Seller  will not cancel  (except  for non payment of rent or other
     default),  modify or amend any of the Tenant  leases or accept a  surrender
     thereof without the prior written consent of the Buyer.

          (f)  Current  Rental  Defaults.  Seller  is not  aware of any  current
     default by any Tenant under any Tenant lease or of any facts, circumstances
     or conditions  which,  with the passage of time or the giving of notice, or
     both,  could be expected to  constitute  such a default;  and except as set
     forth on the rent roll  attached  hereto as  Exhibit  "C" and  incorporated
     herein by reference, any prior default by any Tenant under any Tenant lease
     has been cured or waived.

          (g) No  Outstanding  Bills.  As of the  closing,  all bills,  accounts
     invoices  and/or  claims for labor  performed and services and materials or
     good  furnished  to or for the Premises  shall have been paid in full,  and
     there shall be no mechanics' liens or  materialmen's  liens on or affecting
     the Premises.

          (h) Future Action.  Seller will not cause any action to be taken which
     will cause any of the foregoing representations and warranties to be untrue
     or not to be performed on the closing date.

          (i)  Further  Leasing.  So long as this  Agreement  remains in effect,
     Seller  will not  lease,  market,  negotiate  for the sale of or  convey or
     encumber  any portion of the  Premises or any right  therein nor enter into
     any  agreement  granting to any person or entity any right with  respect to
     the Premises or any portion thereof unless Seller shall have first obtained
     Buyer's written consent thereto.

          3. Purchase Price.  The purchase price for the Premises shall be Three
     Million Five Hundred Thousand and No/100ths  Dollars  ($3,500,000.00)  (the
     "Purchase Price") payable in immediately available U.S. funds at closing or
     as otherwise  provided for herein.  The Purchase  Price shall be subject to
     such prorations,  credits, allowances, or other adjustments as provided for
     in this  Agreement.  The Purchase Price shall be payable by certified funds
     or wire transfer to the account of Seller.

          4. Purchaser's Right and Obligation of Inspection  During  Contingency
     Period.

          (a) Seller  acknowledges that Buyer must have an adequate  opportunity
     to conduct those legal,  factual and other inquiries and  investigations as
     Buyer deems  necessary  with  respect to the  Premises.  To allow Buyer the
     opportunity to ascertain the feasibility of the purchase,  Buyer is granted
     a period of sixty  (60) days (the  "Contingency  Period")  commencing  upon
     Buyer's  receipt of all fully  executed  counterparts  of this Agreement to
     satisfy itself, in its sole discretion,  that the Premises are suitable for
     Buyer's needs.

          (b)  Within  ten (10) days after  full  execution  of this  Agreement,
     Seller agrees to provide to Buyer all documents and other items  pertaining
     to the Premises which can be reasonably located by Seller,  including,  but
     not limited to, all leases and any amendments  thereto,  contracts relating
     to the management,  maintenance or use of the Premises,  any  environmental
     reports, rent rolls,  warranties,  surveys and title policies (collectively
     the "Required Documents"). Except as otherwise provided herein, there is no
     obligation  on  Seller's  part to obtain  such  information  from any third
     party.  The material  provided may have been obtained from various sources,
     and,  while assumed to be true,  correct and reliable,  the Seller makes no
     warranty  or  representation,  express or  implied,  as to the  accuracy or
     comprehensiveness of the information provided.  Buyer acknowledges it is to
     rely upon its own  investigation,  develop its own independent  estimate of
     income and expenses,  and fully inspect the  Premises,  including,  without
     limitation,  concerning  structural and environmental matters before making
     its  independent   decision  concerning  its  obligation  to  complete  the
     purchase.  Seller agrees at any reasonable time and from time to time after
     the date of this Agreement,  Buyer and Buyer's  consultants and contractors
     upon  forty-eight  (48)  hours  notice to  Seller,  shall have the right of
     access to the Premises to fully  inspect the Premises and so that Buyer may
     conduct  the tests  provided  for  hereafter  so long as (i) such tests and
     inspections  do not  unreasonably  disrupt  the use of the  Premises by the
     occupants  thereof and (ii) any damage to the  Premises  which is caused by
     Buyer or Buyer's consultants or contractors is repaired to at least as good
     a condition as existed prior to the test. All tests and repairs, if needed,
     shall be at the cost of Buyer.  Buyer further  agrees to indemnify and hold
     Seller  harmless  from any loss,  liability  or expense  incurred by Seller
     arising out of or in connection with any claim,  damage or loss as a result
     of Buyer's or Buyer's  consultants' or contractors' actions or inactions in
     conducting  the tests upon the  Premises,  including  but not  limited  to,
     claims for loss or damage to the Premises,  personal  property or any third
     party's property or injury to or death of any person arising out of Buyer's
     actions or inactions or those of Buyer's  consultants  and  contractors  in
     conducting tests on the Premises.

          (c) Seller shall have  delivered to Buyer,  at least five (5) business
     days  before  closing,  estoppel  certificates  and  attornment  agreements
     substantially  in the form set forth in  Exhibit  "D"  attached  hereto and
     incorporated  herein by  reference,  executed by each of the tenants of the
     Premises (individually a "Tenant") and dated no more than fifteen (15) days
     prior to the closing  certifying without exception the matters set forth in
     Exhibit "D" and such other matters as may be reasonably requested by Buyer.

          (d) Buyer  shall have the right to  conduct,  at Buyer's  option,  any
     investigation Buyer deems necessary  concerning,  including but not limited
     to, the  following:  (i) any  structural,  mechanical,  electrical  or roof
     analysis Buyer deems necessary; (ii) to determine that the Premises are not
     subject to any  restriction  or easement  that will  prevent the use of the
     Premises for Buyer's  business  purposes;  (iii) to  determine  that zoning
     laws, ordinances and title restrictions permit Buyer to use the Premises as
     it so desires;  (iv) to obtain an environmental report which shall indicate
     that the property is free of "Hazardous Substances" as that term is defined
     in any local,  state or federal  environmental  laws and in compliance with
     all such  environmental  laws;  (v) to  obtain  an  as-built  survey of the
     Premises which survey shall not disclose any matter  unacceptable to Buyer;
     (vi) the  impact of  so-called  "Wetlands"  laws and  regulations  upon the
     Premises;  and (vii) any other analysis or inquiry reasonably  necessary to
     facilitate   Buyer's   inspection  of  the  Premises  or  analysis  of  the
     suitability of the Premises for Buyer's business purposes.

          (e) BUYER HEREBY  ACKNOWLEDGES  AND AGREES THAT IT IS TO RELY UPON ITS
     OWN  INVESTIGATION  TO  FULLY  INSPECT  THE  PREMISES,  INCLUDING,  WITHOUT
     LIMITATION,  ENVIRONMENTAL  MATTERS BEFORE MAKING ITS INDEPENDENT  DECISION
     WHETHER OR NOT TO COMPLETE THE  PURCHASE  CONTEMPLATED  BY THIS  AGREEMENT.
     Seller  shall  provide to Buyer any  records it may have in its  possession
     indicating  whether the Premises contains asbestos  containing  material or
     presumed asbestos containing material.

          (f) In the event Buyer  determines  that the  Premises is not suitable
     for Buyer's  needs,  Buyer  shall  deliver  written  notice to Seller on or
     before  noon  (Eastern  Standard  time) on the last day of the  Contingency
     Period that Buyer will not purchase the Premises and this  Agreement  shall
     be canceled  and of no further  force and  effect,  and the  "Deposit"  (as
     hereinafter defined) shall be immediately paid to the Buyer and each of the
     parties shall be released from further liability to the other. In the event
     Seller does not receive  written  notification on or before the last day of
     the Contingency Period, it shall be presumed that Buyer intends to complete
     the purchase.

          (g) As a courtesy,  and not as a  condition  of  cancellation  of this
     Agreement,  Buyer  shall also  provide to Seller  copies of any  reports or
     documents  obtained by Buyer reflecting  information  which caused Buyer to
     determine the Premises was unsuitable for its purchase unless privileged or
     Buyer is  otherwise  prohibited  from the  disclosure  of such  reports  or
     documents.

          5. Reinspection.  Buyer shall have the right to reinspect the Premises
     immediately prior to closing. If, in Buyer's judgment, an adverse change in
     the condition of the Premises has occurred, or if all Tenant leases are not
     in full force and effect without any material  defaults  thereunder,  or if
     there are any  material  adverse  changes  or  modifications  in any of the
     Tenant leases or any of the other  Required  Documents  which have not been
     approved by Buyer,  or if any lease for any of the  Premises  has been made
     after the date of this Agreement without Buyer's approval, then, at Buyer's
     option,  Buyer may terminate  this  Agreement,  in which case the Agreement
     shall be null and void and the  Deposit  shall be  immediately  returned to
     Buyer and each of the parties shall be released  from further  liability to
     the other.

          6.  Deposit.   Contemporaneously   with  Buyer's   execution  of  this
     Agreement,  Buyer shall  deposit  Seventy  Thousand and  00/100ths  Dollars
     ($70,000.00)  (the Deposit")  with James I. Murray,  of Morgan & Pottinger,
     P.S.C.  ("Escrow Agent"), to be held in escrow pending closing.  The Escrow
     Agent's address and telephone number are 133 West Short Street,  Lexington,
     Kentucky 40507, (859) 253-1900.  Upon execution hereof,  Buyer will provide
     the Escrow Agent with its tax identification or social security number. All
     fees  charged by the  Escrow  Agent  shall be shared  equally by Seller and
     Buyer.  After the termination of the Contingency  Period, the Deposit shall
     be non-refundable  except as provided in this Agreement.  The Deposit shall
     be held in an interest bearing account and shall be disbursed in accordance
     with the following  terms and  conditions:  If the purchase and sale of the
     Premises is: (a)  consummated,  the Deposit and any interest earned thereon
     shall be credited  against the Purchase  Price;  (b) not  consummated  as a
     result of a breach or default by Buyer,  Seller shall be entitled to retain
     the Deposit and any interest earned thereon as liquidated damages;  and (c)
     not  consummated  (i) as a result of a breach or  default by Seller or (ii)
     Buyer  exercises its right to cancel  and/or  terminate  this  Agreement as
     provided  in this  Agreement.  Buyer shall be entitled to the return of the
     Deposit.  (As used herein,  the term "Deposit" shall include  interest,  if
     any, earned thereon.)

          If the  transaction  contemplated  hereunder  does  not  close  due to
     Buyer's  failure to perform  any act  required  of it  hereunder,  then the
     Deposit  shall be  delivered  to Seller as  liquidated  damages for Buyer's
     failure to complete the purchase, it being acknowledged by Buyer and Seller
     that the damages  which  Seller would  sustain  would be  impracticable  or
     extremely  difficult  to fix or  determine.  Buyer and  Seller  agree  that
     Seller's economic detriment resulting from the removal of the Property from
     the  real  estate  market  and  other  activities  in  furtherance  of this
     Agreement would be extremely difficult to ascertain. Accordingly, Buyer and
     Seller  agree that the payment of the Deposit is a  reasonable  estimate of
     Seller's  damages.  The parties  acknowledge that the actual damages caused
     Seller by the failure to close would be extremely  difficult to  establish.
     In addition,  Buyer desires to have a limitation on its potential liability
     to Seller if this transaction fails to close. Therefore, in order to induce
     Seller  to waive  all  other  rights  and  remedies  (other  than  specific
     performance)  Seller  may  have in the  event  of  breach  by  Buyer of its
     obligations to close hereunder, Buyer and Seller have agreed to the concept
     of liquidated  damages as set forth  herein,  with the amount and timing of
     the payment  having been the subject of  negotiation  between the  parties.
     Seller hereby waives all other rights and remedies  other than the right to
     file suit for specific performance. (In addition, Buyer shall pay all title
     and escrow cancellation charges.) If the transaction contemplated hereunder
     does not close due to  Seller's  default,  Buyer  shall be  entitled to the
     immediate  return  of  the  Deposit  or to  specific  performance  of  this
     Agreement  in which  event the Buyer  shall  receive a credit  against  the
     Purchase Price for the Deposit, as its sole and exclusive remedies.

          7. Evidence of Title. Within thirty (30) days after this Agreement has
     been  fully  executed  by the  parties,  Buyer,  at  Buyer's  sole cost and
     expense,  shall obtain a title examination and opinion of title ("Opinion")
     from a provider  of Buyer's  choice or a  commitment  for an ALTA  Extended
     Coverage  Form B Owner's  Title  Insurance  Policy  from a  national  title
     insurance  company of Buyer's choice ("Title  Commitment").  The Opinion or
     Title  Commitment  shall  set  forth  the  state of title to the  Premises,
     together with all exceptions or conditions to such title which would appear
     in an Owner's Title Insurance Policy. It shall be Buyer's responsibility at
     its sole costs to obtain any Title Policy it may want at closing.

          8. Review of Title Evidence.  Buyer shall have the Contingency  Period
     to review the  Opinion  or Title  Commitment  as  described  above.  If any
     objection to any matter in the Opinion or Title  Commitment  exists,  Buyer
     shall  deliver in writing to Seller  such  objections  as Buyer may have to
     anything  contained or set forth  therein;  provided,  however,  that Buyer
     shall not object to any matters which do not affect  marketability of title
     or materially interfere with Buyer's intended use of the Premises. Any such
     item to which Buyer does not object during the Contingency  Period shall be
     deemed to be a "Permitted  Exception."  Notwithstanding  the  foregoing and
     without requiring specific written objections by Buyer, the term "Permitted
     Exception" shall not include any preprinted Schedule B-Section 2 exceptions
     or any Schedule B-Section 1 requirements contained in the Title Commitment.

          If Buyer raises any such  objections to the  Opinion/Title  Commitment
     within the time periods set forth  herein,  Seller shall have ten (10) days
     after receipt of Buyer's  objections to notify Buyer:  (i) that Seller will
     remove or cause the title  insurance  company  to insure  against  any such
     objectionable  exceptions,  in which  event,  Seller may extend the closing
     date for such  period as shall be  required  to effect  such cure,  but not
     beyond  forty-five  (45) days; or (ii) that Seller elects not to cause such
     exceptions to be removed.

          If Seller gives Buyer notice that Seller cannot or elects not to cause
     an  objection  to title  exception  to be  removed,  or in the event  Buyer
     determines in its reasonable  discretion that the removal of such objection
     cannot be accomplished to Buyer's reasonable satisfaction, Buyer shall have
     ten (10) days from receipt of such notice in which to either  notify Seller
     that Buyer will  proceed  with the  purchase and take title to the Premises
     subject  to such  exceptions,  or  that  Buyer  elects  to  terminate  this
     Agreement.  If this  Agreement  is  terminated  following  notice under the
     provisions  of this  paragraph,  then neither  party shall have any further
     rights or  obligations  hereunder,  and each party shall bear its own costs
     incurred  hereunder;  provided,  however,  the  Deposit  shall be  promptly
     refunded to Buyer. If Buyer fails to notify Seller of any objections to the
     commitment  within the  Contingency  Period,  Buyer shall be deemed to have
     elected to proceed with the purchase and take title to the Premises subject
     to such exceptions other than Schedule  B-Section 2 pre-printed  exceptions
     and any Schedule B-Section 1 requirements.  Any such election to proceed by
     Buyer  shall be deemed a waiver  of such  exception  only as to Seller  and
     shall not serve to waive  such  exception  as to any person or entity not a
     party to this Agreement.

          9. Survey.  Buyer shall obtain,  at its sole cost, any survey which it
     wants  within  thirty (30) days of the date this  Agreement  has been fully
     executed.  Buyer shall  within ten (10) days from its receipt of the survey
     deliver in writing to Seller such  objections as Buyer may have to anything
     contained  or set  forth  therein,  together  with a  copy  of the  survey;
     provided,  however, that Buyer shall not object to any matters which do not
     materially interfere with Buyer's intended use of the Premises . Any matter
     contained  in the Survey to which Buyer does not object  shall be deemed to
     be acceptable to Buyer.

          If Buyer raises any  objections  to the survey  within the time period
     set forth herein,  Seller shall have ten (10) days after receipt of Buyer's
     objections to notify Buyer:  (i) that Seller will remedy such  objection or
     cause the title insurance  company to insure against any such objection and
     provide  Buyer  with  evidence  reasonably  satisfactory  to  Buyer of such
     remedy,  or provide Buyer with evidence  reasonably  satisfactory  to Buyer
     that such objection will be remedied or insured against before closing,  in
     which event, Seller may extend the closing date for such period as shall be
     required to effect such remedy,  but not beyond  forty-five  (45) days;  or
     (ii) that Seller elects not to cause such objection to be remedied.

          If Seller  gives  Buyer  notice  that  Seller  cannot or elects not to
     remedy the objection, or if Buyer determines that Seller cannot remedy such
     objections to Buyer's  reasonable  satisfaction,  Buyer shall have ten (10)
     days from the receipt of such  notice in which to notify  Seller that Buyer
     shall   proceed   with  the   purchase  and  take  title  to  the  Premises
     notwithstanding  Buyer's  objection  to the  survey,  or that  Buyer  shall
     terminate this Agreement.  If this Agreement is terminated  pursuant to the
     foregoing  provisions of this paragraph,  then neither party shall have any
     further rights or obligations hereunder,  and each party shall bear its own
     costs incurred  hereunder,  and the Deposit shall be refunded to Buyer.  If
     Buyer fails to notify Seller of its election, Buyer shall be deemed to have
     elected to proceed with the purchase of the Premises.  Any such election to
     proceed  by Buyer  shall be  deemed a waiver of such  objection  only as to
     Seller  and shall not serve to waive  such  objection  as to any  person or
     entity not a party to this Agreement.

          10. Taxes, Assessments and Utilities:  Prorations. Seller shall pay or
     credit on the  Purchase  Price the amount of all ad valorem  (real  estate)
     taxes,  including penalties and interest,  that are a lien as of the day of
     closing,  both current and  reassessed and whether due or to become due and
     all  assessments  related to the  Premises to the extent the same have been
     billed  and  are  due  and  payable  as  of  the  date  of  closing.  Buyer
     acknowledges that any refund or credit on future taxes for periods prior to
     the date of closing as a result of Seller's  successful  completion  of any
     valuation appeal shall be the Property of Seller.

          The consumption of water, sewer user fee,  electricity , telephone and
     gas  utilities  is  measured  by meter.  Seller  shall  notify the  utility
     companies to read the meters as soon as possible  after  closing and render
     final bills to Seller.  Buyer shall be responsible for obtaining  utilities
     in its own name as of the date of closing.

          11. Closing  Procedures.  The closing of this sale shall take place at
     the offices of the Escrow  Agent , on or before  thirty (30) days after the
     expiration  of the  Contingency  Period.  Neither  Seller nor Buyer need be
     physically  present at such Closing.  Any reference in this Agreement to "a
     closing", the "closing",  or the "day of closing" shall mean the closing of
     the purchase and sale contemplated by this Agreement.

         The following shall occur on or before the Closing Date:

          (a) Seller shall  deliver or cause to be  delivered to Buyer,  through
     escrow or directly to Buyer,  the  following  documents  duly  executed and
     acknowledged, where appropriate:

          (i) Special  Warranty Deed  conveying  good and  marketable fee simple
     title to the Premises to Buyer subject only to the Permitted Exceptions;

          (ii) Bill of Sale conveying good,  unencumbered  title to any personal
     property to Buyer;

          (iii) A certificate of non-foreign  status pursuant to section 1445 of
     the Internal Revenue Code;

          (iv) If required by Buyer's  title  insurer,  an affidavit of title in
     form reasonably acceptable to Buyer's title insurer;

          (v) The  original  of all Tenant  leases  currently  in effect for the
     Premises or any portion thereof;

          (vi) A current  listing of any Tenant  security  deposits  and prepaid
     rents and an assignment of such deposits and prepaid rents to Purchaser;

          (vii) A rent roll  certificate  by Seller  dated as of the last day of
     the last full month immediately preceding the closing date, which rent roll
     shall show the name,  space,  monthly  rental,  prepaid  rent and  security
     deposit,  if any, paid by each Tenant,  and the status of any default(s) or
     non-payment of rent by any Tenant(s);

          (viii) A copy of Seller's letter to Tenant notifying it of the sale of
     the Premises and directing that all future rents be paid to Buyer;

          (ix) An assignment of all (i) Tenant leases,  (ii) any monies and sums
     deposited with and/or held by Seller as Tenant deposits, including, without
     limitation,  all  security  and  cleaning  deposits  required to be held by
     Seller  under the terms of any Tenant  lease,  (iii) any service  contracts
     which Buyer elects to assume, (iv) manufacturers' and vendors'  warranties,
     and (v) transferable warranties and guaranties then in effect, if any, with
     respect to any of the improvements located on the Premises by an assignment
     and assumption agreement in form acceptable to Buyer;

          (x) A  certificate  of authority  authorizing  the officer  signing on
     behalf  of  Seller  to make  all  deliveries,  execute  all  documents  and
     instruments  and perform all actions  necessary and  appropriate to fulfill
     the terms of this Agreement;

          (xi) An affidavit stating that Seller has reviewed all of the estoppel
     certificates from all Tenants and that, to the best of Seller's  knowledge,
     the same are true and correct in all material respects;

          (xii)  Evidence  of  payment  of all  debts or  obligations  of Seller
     related to the Premises as of the closing date; and

          (xiii)  Such  other  documents  as may  be  reasonably  necessary  and
     appropriate to complete the Closing of the transaction contemplated hereby.

          (b) Buyer shall deliver to Seller:

          (i) The balance of the Purchase  Price as adjusted in accordance  with
     the terms of this Agreement;  (ii) Corporate resolutions of Buyer, if Buyer
     is a corporation,  or otherwise other  documentation in such form as may be
     satisfactory  to  Seller  and the title  company,  including  Buyer's  full
     authority to purchase the Property; and

          (iii)  Such  other  documents  as  may  be  reasonably  necessary  and
     appropriate to complete the Closing of the transaction contemplated hereby.

          (c) The Buyer and Seller shall each sign a mutually  agreeable Closing
     Statement  setting  forth  the  Purchase  Price  and all  items of cost and
     expense or adjustment provided for herein.

          12. Costs to be Paid by Parties.

          (a) Seller shall pay the cost of discharging any liens or encumbrances
     to which this purchase is not subject or not specifically assumed by Buyer.

          (b) Water and other utility  charges shall be prorated  between Seller
     and Buyer as of the Closing Date.

          (c) All ad  valorem  real  estate  taxes  and  assessments  levied  or
     assessed against the Premises shall be prorated between Buyer and Seller as
     of the Closing Date on a fiscal year basis (July 1 to June 30) based on the
     assessment  for such year if the assessed  value and  applicable  rates are
     known at the time of  closing.  If the same are not known as of the time of
     closing,  such taxes  shall be prorated on the basis of the most recent tax
     bill for the  Premises,  Seller  being  charged and credited for same up to
     such date and Buyer being  charged and  credited for same on and after such
     date.  Should the actual taxes for the year in which the closing  occurs be
     more or less than the amounts used as a basis for such proration,  then the
     proration  shall be adjusted  between  Seller and Buyer upon receipt of the
     actual tax bill for the Premises for the year in which closing occurs.  Any
     party hereto  owing the other party  monies as a result of such  adjustment
     shall promptly pay the same upon written demand.  The obligations set forth
     in the immediately preceding sentences shall survive the closing and not be
     merged  therein.  Seller shall pay any  assessments  which are secured by a
     lien against the Premises.

          (d) Buyer shall pay for the cost of recording the Deed;  any financing
     obtained by Buyer in connection with its purchase of the Premises  pursuant
     hereto and all recordings and other fees and costs in connection therewith;
     any  intangible  taxes,  mortgage  taxes or other  similar  taxes,  fees or
     assessments;  and services  incurred by Buyer in performing any feasibility
     study and related tests and  investigations and the charges for any survey.
     Seller shall pay the cost of any  documentary  stamp taxes,  deed taxes and
     transfer  taxes;  and  preparing  the Deed.  Except as  otherwise  provided
     herein,  Buyer  shall  pay all  costs of  evidence  or  assurance  of title
     required including costs of title examination,  title commitment, and title
     policy premium and escrow costs.  Each party shall be  responsible  for its
     own attorney's fees.

          (e) Rent under the Tenant leases  actually  received by Seller for the
     month during  which the closing  occurs shall be prorated as of midnight of
     the  closing  date on the  basis  of the  number  of days in the  month  in
     question.  Buyer shall receive a credit  against the Purchase Price for all
     rent  prepaid for any month after the month during  which  closing  occurs.
     Rents  relating to the period up to closing which are actually  received by
     Buyer shall be paid to Seller.  Rents relating to the period from and after
     the closing which are actually received by Seller shall be immediately paid
     to Buyer. At closing,  Buyer shall receive all deposits Seller is obligated
     to hold and/or refund under the terms of the Tenant leases. It is expressly
     agreed that Buyer shall have no  obligation  to enforce  collection  of any
     rents which may be due on the  closing  date or engage  attorneys  or bring
     legal action to collect  delinquent rent.  Prepaid rent shall belong to the
     Buyer and Seller shall credit the same to Buyer at the closing.

          (f) Except as otherwise  provided herein,  for purposes of calculating
     prorations,  Seller  shall be  deemed to be in title to the  Premises,  and
     therefore  entitled  to the  income  there  from  and  responsible  for the
     expenses thereof, through the Closing Date. All prorations shall be made on
     the basis of the  actual  number of days of the year and month  which  have
     elapsed as of the Closing  Date.  If  necessary,  the amount of  prorations
     shall be  adjusted  in cash after the  Closing,  as and when  complete  and
     accurate information becomes available.

          13. Risk of Loss.  Risk of loss to the Premises from casualty shall be
     borne by Seller  until the  closing  and Seller  shall be  entitled  to all
     insurance proceeds from any such loss. Until the closing,  the Seller shall
     keep the Premises fully insured  against fire and other hazards  covered by
     extended coverage insurance in an amount not less than the full replacement
     cost of the  improvements  located on the  Premises.  If, after the date of
     execution  of this  Agreement,  the  Premises  or any such part  thereof is
     substantially  damaged or  destroyed as a result of such  casualty,  Seller
     shall  immediately  notify  Buyer in  writing of such,  and Buyer  shall be
     entitled to elect in a writing  delivered to Seller within twenty (20) days
     after the receipt of Seller's  notification  to either (i)  terminate  this
     Agreement,  or (ii) proceed with the closing with Buyer  receiving a credit
     against the Purchase  Price for the amount of the insurance  proceeds to be
     paid to Seller plus the amount of any  deductible  provided for in Seller's
     insurance policy. If the Agreement is terminated pursuant to the provisions
     of this paragraph,  the Deposit shall be returned to Buyer and both parties
     shall be  relieved  of any  further  liability  or  obligation  under  this
     Agreement.  Failure by Buyer to make an  election  within the time  periods
     provided  herein  shall be deemed  an  election  to close  the  transaction
     subject to the credits  set forth  herein.  In the event any  insubstantial
     damages occur to the Premises or any part thereof  after Buyer's  execution
     of this Agreement,  Seller shall cause the Premises to be fully repaired to
     its condition immediately prior to such occurrence prior to closing. In the
     event Seller cannot  complete the repairs  prior to the  scheduled  closing
     date,  Buyer may extend the closing  for a period not to exceed  forty-five
     (45) days.  Any  reference in this  Agreement to  "substantially  damaged "
     shall mean damage for which the cost of repairing  the Premises or personal
     property to its present  condition  equals or exceeds Two Hundred  Thousand
     and  No/100ths   Dollars   ($200,000.00);   therefore,   any  reference  to
     "insubstantial damages " refers to those damages which shall cost less than
     Two Hundred  Thousand and  No/100ths  Dollars  ($200,000.00)  to repair the
     aggregate of all such damage.  The  determination  of the cost of repairing
     any damage  shall be made by Seller  based upon a written  estimate  from a
     reputable contractor reasonably acceptable to Buyer.

          14.  Condemnation  of the  Premises.  In  the  event  that  all or any
     substantial portion of the Premises shall be taken by condemnation or under
     the right of eminent  domain  before the  closing  date,  Buyer may, at its
     option,  either  terminate this  Agreement by delivering  written notice to
     Seller and  receive  an  immediate  refund of the  Deposit  whereupon  this
     Agreement  shall  be null and void and of no  further  force or  effect  or
     proceed to close the  transaction  in  accordance  with the terms hereof in
     which event Buyer shall at closing  receive a credit to the Purchase  Price
     for any condemnation  proceeds  received by Seller and an assignment of all
     condemnation  awards  and/or  payments  in  connection  therewith  not  yet
     received by Seller which shall become the sole property of Buyer.

          15. Possession.  Buyer shall be entitled to possession of the Premises
     at and upon the closing  subject to any Tenant leases which survive closing
     and to the  Seller's  right to  post-closing  occupancy of a portion of the
     Premises as provided by this Agreement.

          16.   Commission.   Each  party  represents  to  the  other  that  the
     transaction   contemplated   by  this  Agreement  has  not  been  procured,
     instigated,  or caused,  nor have any services been rendered,  by a broker,
     real estate  salesperson,  or other person,  who has either been engaged by
     the party or who might, may or shall claim a commission with respect to the
     same, except Stidham  Commercial  Partners,  836 Euclid Avenue,  3rd Floor,
     Lexington,  Kentucky  40502  (whether one or more than one,  the  "Broker")
     which represents the Seller.  The Broker, if more than one, shall share the
     commission  provided for herein in proportion  to the agreement  separately
     entered into by and between the named Brokers.  Buyer and Seller shall have
     no obligation to oversee the appropriate division of the commission between
     or amongst the Broker.  Seller shall pay Broker a  commission  in an amount
     agreed upon pursuant to separate agreement between Seller and Broker.

          Each party agrees to indemnify the other for its own acts with respect
     to any claim made by any other such  person as a result of any  activity in
     conjunction with the purchase and sale contemplated hereunder. In the event
     the  transaction  does not  close , no  broker,  real  estate  salesperson,
     broker, or other person shall have any claim to any portion of the Deposit.

         17.      Miscellaneous.

          (a) Captions.  The captions,  headings,  and arrangements used in this
     Agreement  are for  convenience  only and do not in any way affect,  limit,
     simplify, or modify the terms and provisions of this Agreement.

          (b) Number and Gender of Words.  Whenever the singular number is used,
     the same shall  include  the  plural  where  appropriate,  and words of any
     gender shall include each other gender where appropriate.

          (c)   Notices.   All   notices,   demands,   and  requests  and  other
     communications  required or permitted  hereunder  shall be in writing,  and
     shall be deemed to be delivered (i) forty-eight (48) hours after being sent
     by certified mail, return receipt requested, (ii) twenty-four (24) hours if
     by national overnight courier, (iii) immediately,  if personal delivery, or
     (iv) upon  confirmation  of  transmission  if by facsimile to the following
     addresses and facsimile numbers:
                  If to the Buyer:        First Security Bank of Lexington, Inc.
                                                     400 East Main Street
                                                     Lexington, Kentucky  40507
                                                      Attn.:  Julian Beard,
                                                     Chairman of the Board
                                                     Fax:  (859) 367-3725

                  If to the Seller:         National City Bank of Kentucky
                                                     421 West Market Street
                                                     Louisville, Kentucky 40202
                                                     Attn.: William A. Dunn,
                                                           Senior Vice President
                                                     Fax:  (502) 581-5365

                  With a Copy to:         Stidham Commercial Partners
                                                  Third Floor
                                                  836 Euclid Avenue
                                                  Lexington, Kentucky  40502
                                                  Attn.:  Jeffrey R. Stidham
                                    and           National City Bank of Kentucky
                                                  101 South Fifth Street
                                                  Louisville, Kentucky 40202
                                                 Attn.:  Thomas W. Volk, Counsel
                                                  Fax:  (502) 581-6351

          (d) Governing  Law. It is intended by the parties that the laws of the
     Commonwealth   of  Kentucky   shall  govern  the  validity,   construction,
     enforcement, and interpretation of this Agreement.

          (e)  Entirety  and  Amendments.  This  Agreement  embodies  the entire
     agreement   between  the  parties  and  supersedes  all  prior  agreements,
     understandings,  warranties and representations,  if any, whether verbal or
     written,  relating to the Premises and may be amended or supplemented  only
     by an instrument in writing executed by both parties hereto.

          (f) Invalid Provisions.  If any provision of this Agreement is held to
     be  illegal,  invalid  or  unenforceable,  said  provision  shall  be fully
     severable;  the  Agreement  shall  be  construed  and  enforced  as if such
     illegal,  invalid or unenforceable  provision had never comprised a part of
     the Agreement;  and the remaining  provisions of the Agreement shall remain
     in full force and effect and shall not be affected by the illegal,  invalid
     or unenforceable provision or by its severance from the Agreement.

          (g) Multiple Counterparts.  This Agreement may be executed in a number
     of identical counterparts.  If so executed, each of such counterparts is to
     be deemed an original for all purposes,  and all such  counterparts  shall,
     collectively,  constitute  one  agreement,  but,  in  making  proof of this
     Agreement,  it shall not be  necessary  to produce or account for more than
     one such fully executed counterpart.

          (h) Parties Bound.  This Agreement shall be binding upon, inure to the
     benefit of and be enforceable  by and against  Seller and Buyer,  and their
     respective  successors and assigns.  Buyer may, prior to the closing,  upon
     such  reasonable  terms and conditions  which Seller may request to protect
     its interests,  assign all or any part of its rights and obligations  under
     this Agreement to any entity,  provided that Seller's consent which consent
     shall  not  be  unreasonably  withheld,  delayed  or  conditioned  to  such
     assignment is conditioned on Buyer  remaining  fully liable and accountable
     for the performance of its assignee.

          (i) Further Acts. In addition to the acts and deeds recited herein and
     contemplated to be performed,  executed, and delivered by Seller and Buyer,
     Seller and Buyer  agree to  perform,  execute,  and  deliver or cause to be
     performed,  executed, and delivered at the closing or after the closing any
     and all such further and reasonable  acts,  deeds, and assurances as may be
     reasonably  necessary to consummate the transaction  contemplated hereby in
     accordance with this Agreement.

          (j) Time of the  Essence;  Execution.  It is  expressly  agreed by the
     parties  hereto that time is of the essence with respect to this  Agreement
     including,  but not limited to, any provisions for the closing date, or for
     the delivery of any notice allowed or required herein. This Agreement shall
     be  deemed  binding  upon the  parties  in  accordance  with its  terms and
     conditions when the same becomes fully executed by the parties.

          (k) No Third Party  Beneficiaries.  Except as  otherwise  specifically
     provided  herein,  nothing  expressed  or  implied  in  this  Agreement  is
     intended, or shall be construed, to confer .

          (l)  Survival of  Representations.  The  representations,  warranties,
     covenants and  agreements of Buyer and Seller  contained in this  Agreement
     shall survive the closing.

          (m) Obligations Joint and Several.  The obligations  hereunder of each
     of the  undersigned,  if more than one, as Buyer shall be joint and several
     and any reference to "Buyer" shall be applicable to each separately as well
     as to all.

          (n) Waiver of Jury Trial. The parties hereto hereby waive any right to
     trial by jury in matters arising out of this Agreement, the transfer of the
     Property  and the  financing  thereof  by Lender.  BUYER AND SELLER  HEREBY
     SPECIFICALLY ACKNOWLEDGE THE AFORESAID WA IVER OF RIGHT TO JURY TRIAL.

          (o) Saturdays, Sundays and Legal Holidays. If the time for performance
     of any of the  terms,  conditions  and  provisions  hereof  shall fall on a
     Saturday,  Sunday or legal holiday, then the time of such performance shall
     be extended to the next business day thereafter.

          (p) Confidentiality.  As a condition to Seller's obligation to proceed
     to Closing as provided  herein,  the parties  understand and agree that the
     existence and content of this Agreement  shall be held in confidence by and
     among the parties.  Buyer and Broker, by signature hereto,  agree that they
     will hold such in strict  confidence  through  September  18, 2000 and will
     only  disclose the  execution of this  Agreement to those  persons/entities
     having a need to know in order to carry out the  intent of this  Agreement,
     including, but not limited to, state and federal securities  administrators
     or as  otherwise  required by law. The  consultation  with  consultants  or
     professionals  assisting the Buyer with this  Agreement,  including but not
     limited to, attorneys, accountants, engineers, architects, surveyors and/or
     contractors shall not be deemed a violation of this Section.

          (q) Post Closing Occupancy by Seller. Seller and Buyer acknowledge and
     agree that  following  the closing of the sale of the  Premises  the Seller
     shall be allowed to continue to occupy the same space it presently occupies
     on the third floor of the  building on the  Premises  until March 31, 2001,
     upon and subject to the following terms and conditions:

          (i) Seller's occupancy shall be free of rent;

          (ii) (ii) Seller shall be responsible for all maintenance of the space
     occupied by Seller,  including  but not limited  to,  janitorial  and light
     bulbs,  and Seller  shall at its expense  keep and maintain the space in as
     good  order,  condition  and  state of  repair  as  existed  on the date of
     closing,  normal  wear  and  tear  excepted.  Seller  shall  not  make  any
     alterations or additions to the space without the prior written  consent of
     Buyer;

          (iii) Seller shall carry general  liability  insurance with respect to
     its  occupancy and provide Buyer a  certificate  of such  insurance  naming
     Buyer as additional insured;

          (iv) Seller shall  indemnify and hold Buyer  harmless from any and all
     claims,  liabilities,  obligations,  damages,  causes of action,  costs and
     expenses,  including,  without  limitation,   reasonable  attorneys'  fees,
     whether  arising  out of injury or death to persons or damages to  property
     arising out of or relating to Seller's continued occupancy;

          (v)  Seller  shall  use  the  space  in  compliance   with  all  laws,
     regulations and ordinances and shall not maintain or cause to be maintained
     any nuisance therein; and

          (vi) Seller  shall  vacate the  Premises on or before  March 31, 2001,
     without  further  demand or action  by Buyer  and shall  remove  all of its
     personal property and broom clean the space.

          (r) Escrow  Agent.  Escrow  Agent hereby  acknowledges  receipt of the
     Deposit.  Escrow Agent is acting  hereunder as a depository only and is not
     responsible or liable in any manner for acting upon any notice,  instrument
     or other document  reasonably  believed by it to be genuine and correct and
     to have been  signed or sent by the proper  person or  persons.  All of the
     terms  and  conditions  in  connection   with  Escrow  Agent's  duties  and
     responsibilities  are  contained in this  Agreement and Escrow Agent is not
     expected  or  required  to be  familiar  with the  provisions  of any other
     instrument and shall not be charged with any responsibility or liability in
     connection with the observance or nonobservance by anyone of the provisions
     of any such other  instrument.  Seller and Buyer  hereby agree to indemnify
     Escrow  Agent and hold it harmless  from any and all  claims,  liabilities,
     losses,  actions,  suits or proceedings at law, or in equity,  or any other
     expense,  fee or charges of any character or nature,  which it may incur or
     with which it may be  threatened  by reason of its  acting as Escrow  Agent
     under  this  Agreement,  except  in the case of  Escrow  Agent's  own gross
     negligence,  bad faith or willful misconduct;  and in connection therewith,
     to  indemnify  Escrow  Agent  against  any  and  all  expenses,   including
     attorney's  fees and the cost of defending  any action,  suit or proceeding
     for resisting  any claim.  Escrow Agent shall not be bound or in any manner
     affected by any notice of any  modification,  cancellation,  abrogation  or
     rescission  of this  Agreement,  or any fact or  circumstance  affecting or
     alleged to have  affected the rights or  liabilities  of any other  person,
     unless it has received written notice  satisfactory to it, signed by all of
     the other parties hereto. If any two or more of the parties hereto shall be
     in  disagreement  about the  interpretation  of this Agreement or about the
     rights and obligations of, or the propriety of, any action  contemplated by
     Escrow Agent hereunder, Escrow Agent may, at its sole discretion, refuse to
     comply with the demands of any party and file an action in  interpleader to
     resolve the said  disagreement.  In no event shall Escrow Agent be required
     to file an  interpleader  or similar type of action or to defend any action
     or  legal  proceeding  filed  against  it,  but it  may  do so in its  sole
     discretion,  at no expense to it, with all expenses  incurred by the Escrow
     Agent to be paid  equally  by the  Seller  and Buyer on  demand;  provided,
     however,  the prevailing  party shall be entitled to recover from the other
     party that  portion of the Escrow  Agent's  expenses  which the  prevailing
     party had previously paid.  Escrow Agent may continue to refuse to take any
     action,  irrespective  of the time which elapses  during which such dispute
     continues,  until either the rights of the  disputing  claimants  have been
     duly adjudicated and Escrow Agent shall have received a certified copy of a
     final judgment of a court of competent jurisdiction, or until the claimants
     shall have reached  agreement on their differences and shall have furnished
     to Escrow Agent joint  instructions with respect to the action to be taken.
     Escrow Agent may conclusively rely on any such joint instructions and shall
     be fully  protected  and  indemnified  in taking  any  action  in  reliance
     thereon.  All  actions  taken by Escrow  Agent  pursuant to any court order
     shall be conclusively presumed to be taken in good faith.

          Buyer and  Seller  recognize  and  acknowledge  that  Escrow  Agent is
     counsel for Seller,  and Escrow  Agent has agreed to serve as Escrow  Agent
     only as a convenience  to both parties.  Seller and Buyer agree that Escrow
     Agent may  continue to represent  Seller in this and any other  transaction
     including, without limitation, representation in disputes between Buyer and
     Seller hereunder.

          IN WITNESS WHEREOF, the parties have executed this Agreement as of the
     date set forth above their respective signatures.

                                         EXECUTED BY SELLER ON
                                         September 14, 2000

                                         NATIONAL CITY BANK OF KENTUCKY,
                                         a national banking association

                                         BY:/s/William A. Dunn

                                        ITS:Senior Vice President

                                        EXECUTED BY BUYER ON
                                        September 13, 2000

                                        FIRST SECURITY BANK OF
                                        LEXINGTON, INC.,
                                        a Kentucky banking corporation

                                        BY:/s/Julian E. Beard
                                           Julian E. Beard,
                                           Chairman of the Board and Founder

                                        BY:/s/John S. Shropshire
                                           John S. Shropshire, President

                                        EXECUTED BY ESCROW AGENT ON
                                         September 13, 2000

                                        MORGAN & POTTINGER, P.S.C.

                                        BY:/s/James I. Murray
                                           James I. Murray

                                   EXHIBIT "A"

The Premises' legal description is believed to be as follows:

          All that tract or parcel of land situated on the southwesterly side of
     East Main Street and on the northwesterly side of Rose Street in Lexington,
     Fayette  County,  Kentucky and more fully described and bounded as follows,
     to-wit:

          Beginning at an iron pin (set) in the southwesterly  right-of-way line
     of East Main  Street,  said point being a corner to  Wilkinson  Properties;
     thence with Wilkinson  Properties S 48 06' 25" W 152.48 feet to an iron pin
     (found) in the  northeasterly  right-of-way line of Service Entrance No. 5,
     of record in Consolidation Record Plats for the Lexington Urban Renewal and
     Community  Development Agency, Plat Book 31, Page 17 and Plat Book 31, Page
     18 in the Fayette County  Clerk's  Office;  thence with said  northeasterly
     right-of-way  line of Service Entrance No. 5, S 41 49' 17" E 268.03 feet to
     an iron  pin  (set)  in the  new  northwesterly  right-of-way  line of Rose
     Street; thence with said new northwesterly right-of-way line of Rose Street
     for three calls,  S 83 29' 59" E 13.89 feet to a P.K. nail (set),  N 48 14'
     54" E 139.00  feet to a P.K.  nail  (set) and N 03 17' 24" E 4.95 feet to a
     P.K. nail (set) in the aforesaid  southwesterly  right-of-way  line of East
     Main Street; thence with said southwesterly  right-of-way line of East Main
     Street N 41 40' 07" W 275.27 feet to the beginning,  containing  0.972 acre
     with  the  improvements  on the  above-described  property  being  known as
     318-320 East Main Street, and being all of Parcel 3A as shown on the Public
     Acquisition  Plat,  Bank of Commerce & Trust Co., 320 East Main Street,  of
     record in Plat Cabinet F, Slide 797, in the Fayette County Clerk's office.

       THIS LEGAL DESCRIPTION IS NOT WARRANTED OR GUARANTEED BY SELLER OR BUYER.

                                   EXHIBIT "B"

                            CONTRACTS AND AGREEMENTS

                                   EXHIBIT "C"

                                    RENT ROLL

                                   EXHIBIT "D"

                 ESTOPPEL CERTIFICATES AND ATTORNMENT AGREEMENTS

                                   EXHIBIT "E"

                             BROKER'S ACKNOWLEDGMENT

          The  undersigned  Broker  hereby  approves the  foregoing  Real Estate
     Purchase Agreement solely as to any representation or agreement  pertaining
     to the  commission  provided for therein and in regard to the  confidential
     nature of the transaction.

                                                     STIDHAM COMMERCIAL PARTNERS

                                                     By:

                                                     Its:Amendment

                                                                    EXHIBIT 4.2

                         AMENDMENT NO. 1

                              TO

                        ADAC LABORATORIES

                 1999 LONG-TERM INCENTIVE PLAN

        The 1999 Long-Term Incentive Plan (the "Plan") of ADAC
Laboratories, a California corporation (the "Company"), is hereby
amended in the following respects:

        1.      Stock Subject to the Plan.  Section 4, entitled "Stock
Subject to the Plan," is hereby amended to delete the first sentence
and to add a new first sentence as follows:

             Subject to the provisions of Section 11 and Section 4(b)(xi)
             below, the maximum aggregate number of shares that may be
             optioned and sold under the Plan is 1,910,000 shares of
             Common Stock.

This amendment reflects an increase in the number of authorized shares
by 990,000 shares.

        2.      Effective Date.  Except as amended above, in all other
respects the Plan is hereby ratified and confirmed.  The amendment to
the Plan herein set forth, was approved by the Board of Directors on
November 9, 1999 and by the shareholders on March 9, 2000.

		
	 	
                          By Order of the Board of Directors:

			
	 	By: 	
/s/ R. Andrew Eckert

		
	 	
      

    
	 	
                                                R. Andrew Eckert

	 	
                             Chairman of the Board

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