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                                                                   EXHIBIT 10.3

                               AMENDMENT NO. 2 TO
                       1992 EMPLOYEE STOCK INCENTIVE PLAN

         THIS AMENDMENT, dated as of November 6, 1995, is made by BANCTENN
CORP., a Tennessee corporation with its principal offices at 301 East Center
Street, Kingsport, Tennessee (the "Company") as follows:

                                   RECITALS:

         A.       The Company has heretofore adopted its 1992 Employee Stock
Incentive Plan (the "Plan"), which provided for an aggregate of 36,000 shares
of the Company's common stock to be subject to the Plan, with appropriate
mathematical adjustments to be made as a result of any stock dividends or stock
splits declared by the Company with regard to its common stock.

         B.       Pursuant to action of the Company's Board of Directors taken
on April 13, 1995, the Company previously declared a 20% stock dividend on its
outstanding and optioned shares of common stock, the effect of which was to
increase the number of shares subject to the Plan from 36,000 to 43,200.

         C.       Pursuant to action of the Company's Board of Directors taken
on October 12, 1995, the Company has declared a 100% stock dividend on its
outstanding and optioned shares, which dividend is to be paid in the form of a
2-for-1 stock split.

         D.       The Company desires to amend the Plan to reflect the
resulting effect of this stock dividend on the aggregate number of shares
available under the Plan.

         NOW, THEREFORE, in consideration of the foregoing premises, the Plan
is hereby amended as follows:

         1.       Number of Shares Subject to Plan. Section 3 of the Plan is
hereby amended to provide that the number of shares of the Company's common
stock reserved for distribution under the Plan is hereby increased from 43,200
to 86,400 shares.

         2.       No Other Amendments. All other terms and provisions of the
Plan as heretofore adopted remain unaltered and in full force and effect.

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         IN WITNESS WHEREOF, the undersigned duly authorized officer of the
Company has executed this Amendment for the purposes set forth herein.

                                    BANCTENN CORP.

                                    By:  /s/ Colon A. Terrell, Jr.
                                       ----------------------------------------
                                       Colon A. Terrell, Jr.
                                       President and Chief Executive Officer<PAGE>   1

                                                                   EXHIBIT 10.4

               AMENDMENT NO. 3 TO 1992 EMPLOYEE STOCK INCENTIVE PLAN

         THIS AMENDMENT, dated as of May 23, 1997, is made by BANCTENN CORP., a
Tennessee corporation with its principal offices at 301 East Center Street,
Kingsport, Tennessee (the "Company") as follows:

                                   RECITALS:

         A.       The Company has heretofore adopted its 1992 Employee Stock
                  Incentive Plan (the "Plan") which provided for an aggregate
                  of 36,000 shares of the Company's common stock to be subject
                  to the Plan, with appropriate mathematical adjustments to be
                  made as a result of any stock dividends or stock splits
                  declared by the Company with regard to its common stock.

         B.       Pursuant to action of the Company's Board of Directors taken
                  on April 13, 1995, the Company declared a 20% stock dividend
                  on its outstanding and optioned shares of common stock, paid
                  in the form of a 6-for-5 stock split, the effect of which was
                  to increase the number of shares subject to the Plan from
                  36,000 to 43,200.

         C.       Pursuant to action of the Company's Board of Directors taken
                  on October 12, 1995, the Company declared a 100% stock
                  dividend on its outstanding stock and option shares, paid in
                  the form of a 2-for-1 stock split, the effect of which was to
                  increase the number of shares subject to the Plan from 43,200
                  to 86,400.

         D.       Pursuant to action of the Company's Board of Directors taken
                  on April 24, 1997, the Company has declared and issued a 20%
                  stock dividend payable as of May 23, 1997, in the form of a
                  6-for-5 stock split to stockholders of record as of May 9,
                  1997.

         E.       The Company desires to amend the Plan to reflect the
                  resulting effect of the most recent 20% stock dividend on the
                  aggregate number of shares available under the Plan.

         NOW, THEREFORE, in consideration of the foregoing premises, the Plan
is hereby amended as follows:

         1.       Number of Shares Subject to Plan. Section 3 of the Plan is
hereby amended to provide that the number of shares of the Company's common
stock reserved for distribution under the Plan is hereby increased from 86,400
to 103,680 shares.

         2.       No Other Amendments. All other terms and provisions of the
Plan as heretofore adopted remain unaltered and in full force and effect.

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         IN WITNESS WHEREOF, the undersigned duly authorized officer of the
Company has executed this Amendment for the purposes set forth herein.

                                    BANCTENN CORP.

                                    By:  /s/ Colon A. Terrell, Jr.
                                       ----------------------------------------
                                       Colon A. Terrell, Jr.
                                       President and Chief Executive Officer<PAGE>   1

                                                                   Exhibit 10.5

             AMENDMENT NO. 4 TO 1992 EMPLOYEE STOCK INCENTIVE PLAN

         THIS AMENDMENT, dated as of May 15, 1998, is made by BANCTENN CORP., a
Tennessee corporation (the "Company"), for the purpose of amending its 1992
Employee Stock Incentive Plan (the "Plan") according to the terms hereof.

                                   RECITALS:

         A.       The shareholders of the Company have heretofore approved the
                  Company's 1992 Employee Stock Incentive Plan pursuant to
                  which the Company reserved and made available for
                  distribution under the Plan 36,000 shares, plus 10% of any
                  increase in the number of authorized and issued shares of
                  stock above 361,956 shares which represented the total number
                  of issued and outstanding shares of stock as of December 31,
                  1991.

         B.       Pursuant to Amendment No. 1 to the Plan, approved by the
                  Company's Board of Directors on April 13, 1995, the Company
                  issued a 20% stock dividend paid in the form of a 6-for-5
                  stock split, thereby increasing the number of shares subject
                  to the Plan from 36,000 to 43,200.

         C.       Pursuant to Amendment No. 2 to the Plan, approved by the
                  Company's Board of Directors on October 12, 1995, the Company
                  issued a 100% stock dividend paid as of November 6, 1995 in
                  the form of 2-for-1 stock split, thereby increasing the
                  number of shares subject to the Plan from 43,200 to 86,400.

         D.       Pursuant to Amendment No. 3 to the Plan, approved by the
                  Company's Board of Directors on April 24, 1997, the Company
                  issued a 20% stock dividend to be paid in the form of a
                  6-for-5 stock split, thereby further increasing the number of
                  shares subject to the Plan from 86,400 to 103,680.

         E.       The Company now desires to amend the Plan to further increase
                  the number of shares subject to the Plan as provided herein.

         NOW, THEREFORE, in consideration of the foregoing premises, the Plan
is hereby amended as follows:

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         1.       Increase in Shares Subject to Plan. The number of shares
reserved for and subject to the Plan is hereby increased by 40,000, thereby
increasing the total number of shares subject to the Plan from 103,680 to
143,680. Such new 40,000 shares, and any options granted in respect thereof,
shall be administered according to the terms of the Plan and in the same manner
as the original group of shares reserved for the Plan at its inception.

         2.       Term of Plan. Section 14 of the Plan is hereby amended to
provide that options and grants under the Plan may be effected pursuant to the
Plan until May 14, 2008, which is the tenth anniversary date of stockholder
approval of this Amendment No. 4, unless further extended by approval of the
Company's shareholders. Any awards or grants effected prior to May 14, 2008 may
extend beyond such date in accordance with the terms of such awards and grants
and the terms of the Plan.

         3.       Approval by Board of Directors. The Board of Directors of the
Company approved this Amendment No. 4 by action taken at a duly called meeting
of the directors held on March 12, 1998.

         4.       Approval by Shareholders. The shareholders of the Company
approved this Amendment No. 4 by action taken at the 1998 Annual Shareholders
Meeting held on May 14, 1998.

         IN WITNESS WHEREOF, the undersigned, being the President and Chief
Executive Officer of BancTenn Corp., has executed this Amendment No. 4 for the
purposes stated hereinabove and after having received all requisite approval
from the Board of Directors and shareholders of BancTenn Corp.

         Date: May 15, 1998

                                   BANCTENN CORP.

                                   By: /s/ Colon A. Terrell, Jr.
                                      ------------------------------------------
                                           Colon A. Terrell, Jr.
                                           President and Chief Executive Officer

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