Document:

<PAGE>

                                                                    EXHIBIT 10.1

                                                                [EXECUTION COPY]

                      FOURTH AMENDMENT TO CREDIT AGREEMENT
                      ------------------------------------

     THIS FOURTH AMENDMENT TO CREDIT AGREEMENT ("this Amendment") dated as of
May 31, 2000 but executed on June 20, 2000 is entered into by ALABAMA NATIONAL
BANCORPORATION, a Delaware corporation (the "Borrower") and AMSOUTH BANK, an
Alabama banking corporation and formerly known as AmSouth Bank of Alabama (the
"Lender").

                                    Recitals
                                    --------

     A.   The Borrower and the Lender have entered into a Credit Agreement dated
as of December 29, 1995 as amended by a First Amendment thereto dated as of
January 20, 1997, a Second Amendment thereto dated as of January 19, 1998 and a
Third Amendment thereto dated as of May 31, 1999 (as so amended, the
"Agreement").

     B.   The Borrower and the Lender now desire to further amend the
definitions of "Facility Termination Date" and "Maximum Credit Amount" and to
make the other changes set forth in this Amendment.

                                   Agreement
                                   ---------

     NOW, THEREFORE, in consideration of the recitals and the mutual obligations
and covenants contained herein, the Borrower and the Lender hereby agree as
follows:

     1.   Capitalized terms used in this Amendment and not otherwise defined
herein have the respective meanings attributed thereto in the Agreement.

     2.   The defined term "Facility Termination Date" set forth in Article I of
the Agreement is hereby further amended to read, in its entirety, as follows:

          "Facility Termination Date" means May 31, 2001, as such date may be
           -------------------------
     extended from time to time pursuant to Section 2.5 or accelerated pursuant
     to Section 7.2.

     3.   The defined term "Maximum Credit Amount" set forth in Article I of the
Agreement is hereby amended to read, in its entirety, as follows:

          "Maximum Credit Amount" means $32,000,000.
           ---------------------

     4.   The reference in Section 2.1 of the Agreement to the figure
"$20,000,000" is hereby amended to read "$32,000,000".
<PAGE>

     5.   Exhibit D to the Credit Agreement shall be amended in its entirety and
          ---------
replaced with Revised Exhibit D attached hereto and made a part hereof.
              -----------------

     6.   Notwithstanding the execution of this Amendment, all of the
indebtedness evidenced by the Note shall remain in full force and effect, as
modified hereby, and all of the collateral described in the Agreement and the
Credit Documents shall remain subject to the liens, security interests and
assignments of the Agreement and the Credit Documents as security for the
indebtedness evidenced by the Note and all other indebtedness described therein;
and nothing contained in this Amendment shall be construed to constitute a
novation of the indebtedness evidenced by the Note or to release, satisfy,
discharge, terminate or otherwise affect or impair in any manner whatsoever (a)
the validity or enforceability of the indebtedness evidenced by the Note; (b)
the liens, security interests, assignments and conveyances effected by the
Agreement or the Credit Documents, or the priority thereof; (c) the liability of
any maker, endorser, surety, guarantor or other person that may now or hereafter
be liable under or on account of the Note or the Agreement or the Credit
Documents; or (d) any other security or instrument now or hereafter held by the
Lender as security for or as evidence of any of the above-described
indebtedness.

     7.   All references in the Credit Documents to "Credit Agreement" shall
refer to the Agreement as amended by this Amendment, and as the Agreement may be
further amended from time to time.

     8.   The Borrower certifies that the organizational documents of the
Borrower have not been amended since May 31, 1999.

     9.   The Borrower hereby represents and warrants to the Lender that all
representations and warranties contained in the Agreement are true and correct
as of the date hereof (except representations and warranties that are expressly
limited to an earlier date); and the Borrower hereby certifies that no Event of
Default nor any event that, upon notice or lapse of time or both, would
constitute an Event of Default, has occurred and is continuing.

     10.  Except as hereby amended, the Agreement shall remain in full force and
effect as written.  This Amendment may be executed in one or more counterparts,
each of which shall be deemed an original, and all of which when taken together
shall constitute one and the same instrument.  The covenants and agreements
contained in this Amendment shall apply to and inure to the benefit of and be
binding upon the parties hereto and their respective successors and permitted
assigns.

     11.  Nothing contained herein shall be construed as a waiver,
acknowledgment or consent to any breach of or Event of Default under the
Agreement and the Credit Documents not specifically mentioned herein, and the
consents granted herein are effective only in the specific instance and for the
purposes for which given.

     12.  This Amendment shall be governed by the laws of the State of Alabama.

                                       2
<PAGE>

     IN WITNESS WHEREOF, the Borrower and the Lender have caused this Amendment
to be executed and delivered by their duly authorized corporate officers as of
the date set forth below their signature.

                              ALABAMA NATIONAL BANCORPORATION

                              By /s/ William E. Matthews V
                                 ---------------------------------
                                 Its Executive Vice President and
                                    ------------------------------
                                     Chief Financial Officer
                                    ------------------------------

                              Dated: June 20, 2000

                              AMSOUTH BANK

                              By /s/ John M. Kettig
                                 ---------------------------------
                                 Its Senior Vice President

                              Dated: June 20, 2000

                                       3
<PAGE>

                                    REVISED
                                   EXHIBIT D
                                   ---------

                         Subsidiaries Stock Information
                         ------------------------------

                               Certificate      No. of
        Subsidiary                 No.          Shares
        ----------             -----------     ---------

 1.  National Bank of                204         659,251
     Commerce of
     Birmingham

 2.  Alabama Exchange               C285           3,134
     Bank
                                    C284          16,006

                                    C283              21

                                    C281             102

 3.  Bank of Dadeville               445           4,000

 4.  First Gulf Bank                   2           2,500

 5.  Citizens and Peoples              3          25,000
     Bank National
     Association

 6.  First American Bank             781          20,000

 7.  Public Bank of St.              365         231,550
     Cloud

 8.  First Citizens Bank,            553         986 2/3
     Talladega, Alabama

 9.  Community Bank of               001       1,000,000
     Naples, National
     Association

10.  Georgia State Bank                2         453,912

                                      D-1<PAGE>

Exhibit 4.1   Loan and Security Agreement, $500,000 working capital facility,
Suntrust Bank, Atlanta, GA

                                   Borrower
                           ALLIANCE HEALTHCARD, INC.
                                                                COMMERCIAL
SunTrust                                                       VARIABLE RATE
                                                               REVOLVING OR
SunTrust Bank                                                    DRAW NOTE
P.O. Box 4418 MC 154-B
Atlanta, GA  30302
(404) 588-7711    "LENDER"

                                    ADDRESS

                      3500 PARKWAY LANE STE 310
                      NORCROSS, GA  30092
                      TELEPHONE NO.     IDENTIFICATION NO
                      (770) 734-9255    58-2445301-149

<TABLE>
<CAPTION>
                                      Principal
    Officer                         Amount/Credit     Funding/Agreement                      Customer
 Identification   Interest Rate        Limit                Date             Maturity Date     Number        Loan Number
------------------------------------------------------------------------------------------------------------------------
<S>               <C>               <C>               <C>                    <C>             <C>             <C>
      0793          Variable        $500,000.00          05/17/00              03/31/01
------------------------------------------------------------------------------------------------------------------------
</TABLE>

Purpose:  START-UP AND ONGOING CAPITAL
--------------------------------------
PROMISE TO PAY:  For value received, Borrower promises to pay to the order of
Lender the principal amount of Five Hundred Thousand and no/100 Dollars
($500,000.00) or, less, the aggregate unpaid principal amount of all loans or
advances made by the Lender to the Borrower under this Note, plus interest on
the unpaid principal balance at the rate and in the manner described below,
until all amounts owing under this Note are paid in full.  All amounts received
by Lender shall be applied first to late charges and expenses, accrued unpaid
interest, then to unpaid principal, or in any other order as determined by
Lender, in Lender's sole discretion, as permitted by law.

REVOLVING OR DRAW FEATURE:  [X] This Note possesses a revolving feature.  Upon
satisfaction of the conditions set forth in this Note, Borrower shall be
entitled to borrow up to the full principal amount of the Note and to repay and
reborrow from time to time during the term of this Note.  This Note possesses a
draw feature.  Upon satisfaction of the conditions set forth in this Note,
Borrower shall be entitled to draw one or more times under this Note.  Any
repayment may not be reborrowed.  The aggregate amount of such draws shall not
exceed the full principal amount of this Note.

Information with regard to any loans or advances under this Note shall be
recorded and maintained by Lender in its internal records and such records shall
be conclusive of the principal and interest owed by Borrower under this note
unless there is a material error in such records.  The Lender's failure to
record the date and amount of any loan or advance shall not limit or otherwise
affect the obligations of the Borrower under this Note to repay the principal
amount of the loans or advances together with all interest accruing thereon.
Borrower shall be entitled to inspect or obtain a copy of the records during
Lender's business hours.

CONDITIONS FOR ADVANCES:  If no Event or Default has occurred under this Note,
Borrower shall be entitled to borrow monies under this Note (subject to the
limitations described above) under the following conditions:

     Disbursements will be made at the sole discretion of the Lender unless the
     Lender has otherwise specifically made
     A legally binding written commitment to make disbursements hereunder.

INTEREST RATE:  This Note has a variable rate feature.  The interest rate on
this Note may change from time to time if the Index Rate identified below
changes.  Interest shall be computed on the basis of the actual number of days
                                                     -------------------------
over 360 days  per year.  Interest on this Note shall be calculated and payable
--------------
at a variable rate equal to 0.500% per annum over the Index Rate.  The initial
                            -------          ----
interest rate on this Note shall be 9.500% per annum.  Any change in the
                                    ------
interest rate resulting from a change in the Index Rate will be effective on:

     Each day the Index Rate changes
     -------------------------------
<PAGE>

INDEX RATE:  The Index Rate for this Note shall be:
     The rate of interest from time to time designated by the Lender as its
     "Prime Rate", which rate is not necessarily
     The Lender's best or lowest rate of interest.
If the Index Rate is redefined or becomes unavailable, then Lender may select
another index rate which is substantially similar.

DEFAULT RATE:  If there is an Event or Default under this Note, the Lender may,
in its discretion, increase the interest rate on this Note to:  4% per annum
                                                                ------------
above interest rate accruing at maturity or at acceleration
-----------------------------------------------------------
Of the maximum interest rate Lender is permitted to charge by law, whichever is
less.
PAYMENT SCHEDULE:  Borrower shall pay the principal and interest according to
the following schedule:

     Interest only payments beginning June 17, 2000 and continuing at monthly
     time intervals thereafter.  A final payment of the unpaid principal balance
     plus accrued interest is due and payable on March 31, 2001.

PREPAYMENT:   This Note may be prepaid in part or in full on or before its
maturity date.  If this Note contains more than one installment, any partial
prepayment will not affect the due date or the amount of any subsequent
installment, unless agreed to, in writing, by Borrower and Lender.  If this Note
is prepaid in full, there will be:  [X]  No minimum finance charge.  [_]   A
minimum finance charge of $______.

LATE CHARGE:  If a payment is received more than 15 days late, Borrower will be
                                                 --
charged a late charge of : [_]% of the unpaid
Portion of the payment; [X] $50.00 or 5.00% of the unpaid portion of the
                            ---------------
payment, whichever is [_] greater  [X]  less.

COLLATERAL:  To secure the payment and performance of obligations incurred under
this Note, Borrower grants Lender a security interest in all of Borrower's
right, title, and interest in all monies, instruments, savings, checking and
other accounts of Borrower (excluding IRA, Keogh and other accounts subject to
tax penalties if so assigned) that are now or in the future in Lender's custody
or control.  [_] If checked, the obligations under this Note are also secured by
the collateral described in any security instruments executed in connection with
this Note, and any collateral described in any other security instruments
securing this Note or all of Borrower's obligations to Lender.

RENEWAL:  [_]  If checked, this Note is a renewal, but not a satisfaction, of
Loan Number ____________________________.

--------------------------------------------------------------------------------
THE PERSONALS SIGNING BELOW ACKNOWLEDGE THAT THEY HAVE READ, UNDERSTAND, AND
AGREE TO THE PROVISIONS OF THIS NOTE, INCLUDING THE TERMS AND CONDITIONS ON THE
REVERSE SIDE, AND FURTHER ACKNOWLEDGE RECEIPT OF AN EXACT COPY OF THIS NOTE.

Dated:  May 17, 2000
BORROWER:  ALLIANCE HEALTHCARD INC.      BORROWER:  ALLIANCE HEALTHCARD, INC.
By:                                      By:
----------------------------------       ------------------------------------
ROBERT D. GARCES                         THOMAS KISER
CHIEF EXECUTIVE OFFICER                  PRESIDENT

                             TERMS AND CONDITIONS

1.  EVENT OF DEFAULT. An Event or Default shall occur under this Note in the
    event that Borrower, any guarantor or any other third party pledging
    collateral to secure this Note.

      a.  Fails to make any payment on this Note or any other indebtedness to
          Lender when due:

      b.  Fails to perform any obligation or breaches any warranty or covenant
          to Lender contained in this Note, any security instrument, or any
          other present or future written agreement regarding this or any other
          indebtedness of Borrower to Lender.

      c.  Provides or causes any false or misleading signature or representation
          to be provided to Lender:

      d.  Sells, conveys, or transfers rights in any collateral securing this
          Note without the written approval of Lender; or destroys, loses or
          damages such collateral in any material respect: or subjects such
          collateral to seizure, confiscation or condemnation.

      e.  Has a garnishment, judgement, tax levy, attachment or lien entered or
          served against Borrower, any guarantor, or any third party pledging
          collateral to secure this Note or any of their property;

                                       2
<PAGE>

      f.  Dies, becomes legally incompetent, is dissolved or terminated, ceases
          to operate its business, becomes insolvent, makes an assignment for
          the benefit of creditors, fails to pay debts as they become due, or
          becomes the subject of any bankruptcy, insolvency or debtor
          rehabilitation proceeding;

      g.  Fails to provide Lender evidence of satisfactory financial condition;

      h.  Has a majority of its outstanding voting securities sold, conveyed, or
          transferred to any person or entity other than any person or entity
          that has the majority ownership as of the date of the execution of
          this agreement; or

      i.  If Lender deems itself insecure in good faith with respect to any of
          the obligations or indebtedness.

2.  RIGHTS OF LENDER ON EVENT OF DEFAULT.  If there is an Event or Default under
    this Note, Lender will be entitled to exercise one or more of the following
    remedies without notice or demand (except as required by law):

      a.  to declare the principal amount plus accrued interest under this Note
          and all other present and future obligations of Borrower immediately
          due and payable in full; such acceleration shall be automatic and
          immediate if the Event of Default is a filing under the Bankruptcy
          Code;

      b.  to collect the outstanding obligations of Borrower with or without
          resorting to judicial process;

      c.  to cease making advances under this Note or any other agreement
          between Borrower and Lender;

      d.  to take possession of any collateral in any manner permitted by law;

      e.  to require Borrower to deliver and make available to Lender any
          collateral at a place reasonably convenient to Borrower and Lender;

      f.  to sell, lease or otherwise dispose of any collateral and collect any
          deficiency balance with or without resorting to legal process;

      g.  to set-off Borrower's obligations against any amounts due to Borrower
          including, but not limited to, monies, instruments, and deposit
          accounts maintained with Lender; and

      h.  to exercise all other rights available to Lender under any other
          written agreement or applicable law.

Lender's rights are cumulative and may be exercised together, separately, and in
any order. Lender's remedies under this paragraph are in addition to those
available under any other written agreement or applicable law.

3.  DEMAND FEATURE.  [_]  If checked, this Note contains a demand feature.
    Lender's right to demand payment, at any time, and from time to time, shall
    be in Lender's sole and absolute discretion, whether or not any default has
    occurred.

4.  FINANCIAL INFORMATION.  Borrower will at all times keep proper books of
    record and account in which full, true and correct entries shall be made in
    accordance with generally accepted accounting principles and will deliver to
    Lender, within ninety (90) days after the end of each fiscal year of
    Borrower, a copy of the annual financial statements of Borrower relating to
    such fiscal year, such statements to include (i) the balance sheet of
    Borrower as at the end of such fiscal year and (ii) the related income
    statement, statement of retained earnings and statement of changes in the
    financial position of Borrower for such fiscal year, prepared by such
    certified public accountants as may be reasonably satisfactory to Lender.
    Borrower also agrees to deliver to Lender within fifteen (15) days after
    filing same, a copy of Borrower's income tax returns and also, from time to
    time, such other financial information with respect to Borrower as Lender
    may request.

5.  MODIFICATION AND WAIVER.  The modification or waiver of any of Borrower's
    obligations or Lender's rights under this Note must be contained in a
    writing signed by Lender. Lender may perform any of Borrower's obligations
    or delay or fail to exercise any of its rights without causing a waiver of
    those obligations or rights. A waiver on one occasion will not constitute a
    waiver on any other occasion. Borrower's obligations under this Note shall
    not be affected if Lender amends, compromises, exchanges, fails to exercise,
    impairs or releases any of the obligations belonging to any Borrower or
    guarantor or any of its rights against any Borrower, guarantor, or any
    collateral securing any of Borrower's obligations.

6.  SEVERABILITY.  If any provision of this Note violates the law or is
    unenforceable, the rest of the Note shall remain valid. Notwithstanding
    anything contained in this Note to the contrary, in no event shall interest
    accrue under this Note, before or after maturity, at a rate in excess of the
    highest rate permitted by applicable law, and it interest (including any
    charge or fee held to be interest by a court of competent jurisdiction) in
    excess thereof be paid, any excess shall constitute a payment of, and be
    applied to, the principal balance hereof, and if the principal balance has
    been fully paid, then such excess interest shall be repaid to Borrower.

7.  ASSIGNMENT.  Borrower agrees not to assign any of Borrower's rights,
    remedies or obligations described in this Note without the prior written
    consent of Lender, which consent may be withheld by Lender in its sole
    discretion. Borrower agrees that Lender is entitled to assign some or all of
    its rights and remedies described in this Note without notice to or the
    prior consent of Borrower.

                                       3
<PAGE>

8.  NOTICE.  Any notice or other communication to be provided to Borrower or
    Lender under this Note shall be in writing and mailed to the parties at the
    addresses described in this Note or such other address as the parties may
    designate in writing from time to time.

9.  APPLICABLE LAW.  This Note shall be governed by the laws of the state
    indicated in Lender's address. Unless applicable law provides otherwise,
    Borrower consents to the jurisdiction and venue of any court located in such
    state selected by Lender, in its discretion, in the event of any legal
    proceeding under this Note.

10. COLLECTION COSTS AND ATTORNEYS' FEES.  To the extent permitted by law,
    Borrower agrees to pay all costs of collection, including attorneys' fees of
    15 percent of the principal and interest owing on the indebtedness if the
    indebtedness is collected by law or through an attorney at law.

11. MISCELLANEOUS.  This note is being executed primarily for commercial,
    agricultural, or business purposes. Borrower will provide Lender with
    current financial statements and other financial information upon request.
    Borrower and Lender agree that time is of the essence. Borrower agrees to
    make all payments to Lender at any address designated by Lender and in
    lawful United States currency. Borrower and any person who endorses this
    Note waives presentment, demand for payment, notice of dishonor and protest
    and further waives any right to require Lender to proceed against anyone
    else before proceeding against Borrower or said person. All references to
    Borrower in this Note shall include all of the parties signing this Note,
    and this Note shall be binding upon the heirs, personal representatives,
    successors and assigns of Borrower and Lender. If there is more than one
    Borrower their obligations under this Note shall be joint and several. This
    Note represents the complete and integrated understanding between Borrower
    and Lender regarding the terms hereof.

12. JURY TRIAL WAIVER.  LENDER AND BORROWER HEREBY WAIVE ANY RIGHT TO A TRIAL
    BY JURY IN ANY CIVIL ACTION ARISING OUT OF, OR BASED UPON, THIS NOTE OR THE
    COLLATERAL SECURING THIS NOTE.

13. ADDITIONAL TERMS:

                                       4
<PAGE>

                                    Borrower
                           ALLIANCE HEALTHCARD, INC.
                                                              SCHEDULE OF FEES,
SunTrust                                                         CHARGES OR
                                                                DISBURSEMENTS
SunTrust Bank
P.O. Box 4418 MC 154-B
Atlanta, GA  30302
(404) 588-7711    "LENDER"
                                    ADDRESS
                       3500 PARKWAY LANE STE 310
                       NORCROSS, GA  30092
                       TELEPHONE NO.     IDENTIFICATION NO
                       (770) 734-9255    58-2445301-149

<TABLE>
<CAPTION>
                                      Principal
    Officer                         Amount/Credit     Funding/Agreement                      Customer
 Identification   Interest Rate        Limit                Date             Maturity Date     Number        Loan Number
------------------------------------------------------------------------------------------------------------------------
 <S>              <C>               <C>               <C>                    <C>             <C>             <C>
      0793          Variable        $500,000.00          05/17/00              03/31/01
------------------------------------------------------------------------------------------------------------------------
</TABLE>

Borrower has borrowed money from Lender indicated above pursuant to the above
referenced Promissory Note or Agreement. Borrower acknowledges that the
following fees, charges and disbursements have been made or assessed in
connection with the Note or Agreement.

<TABLE>
<CAPTION>
<S>                                                                                  <C>
LINE OF CREDIT AMOUNT:                                                               $500,000.00
                                                                                     ------------------
AMOUNT DISBURSED TO BORROWER FROM LINE OF CREDIT:                                    n/a
                                                                                     ------------------
AMOUNT DRAWN TO PAY OR CREDIT TO BORROWER'S ACCOUNTS WITH LENDER:                    $
                                                                                     ------------------
     ACCOUNT NUMBER CREDITED:                                                        ------------------
     ACCOUNT NUMBER CREDITED:                                                        ------------------
     ACCOUNT NUMBER CREDITED:                                                        ------------------
     ACCOUNT NUMBER CREDITED:                                                        ------------------
AMOUNT OF LOAN PROCEEDS PAID TO OTHERS ON THE BORROWERS BEHALF:                      $
                                                                                     ------------------
     PAYEE:                                                                          ------------------
     PAYEE:                                                                          ------------------
     PAYEE:                                                                          ------------------
     PAYEE:                                                                          ------------------
     PAYEE:                                                                          ------------------
     PAYEE:                                                                          ------------------
     PAYEE:                                                                          ------------------
     PAYEE:                                                                          ------------------
     PAYEE:                                                                          ------------------
     PAYEE:                                                                          ------------------
     PAYEE:                                                                          ------------------
TOTAL PROCEEDS DISBURSED:                                                            $     N/a
                                                                                     ------------------

                                                             PAID IN CASH            DEDUCTED FROM LINE
AMOUNT PAID TO PUBLIC OFFICIALS:                             $                       $
                                                             ----------------        ------------------
MOUNT PAID TO INSURANCE COMPANIES:                           ----------------        ------------------
AMOUNT PAID TO APPRAISERS:                                   ----------------        ------------------
AMOUNT PAID TO CREDIT REPORTING AGENCIES:                    ----------------        ------------------
TITLE EXAMINATION:                                           ----------------        ------------------
SETTLEMENT/CLOSING FEE:                                      ----------------        ------------------
TITLE INSURANCE BINDER:                                      ----------------        ------------------
ATTORNEY:                                                    ----------------        ------------------
</TABLE>

                                       5
<PAGE>

<TABLE>
<CAPTION>
<S>                                                          <C>                     <C>
DOCUMENT PREPARATION FEE:                                    ----------------        -----------------
NOTARY:                                                      ----------------        -----------------
SURVEYOR:                                                    ----------------        -----------------
PEST INSPECTOR:                                              ----------------        -----------------
ABSTRACT/TITLE SEARCH:                                       ----------------        -----------------
TITLE INSURER:                                               ----------------        -----------------
CITY/COUNTY TAX DEED/MORTGAGE:                               ----------------        -----------------
STATE TAX DEED, MORTGAGE:                                    ----------------        -----------------
HAZARD INSURANCE PREMIUM:                                    ----------------        -----------------
FLOOD INSURANCE PREMIUM:                                     ----------------        -----------------
                                                             ----------------        -----------------
                                                             ----------------        -----------------
                                                             ----------------        -----------------
                                                             ----------------        -----------------
                                                             ----------------        -----------------
LOAN ORIGINATION FEE                                         1,000.00
                                                             ----------------        -----------------
POINTS/DISCOUNT                                              ----------------        -----------------
LENDERS INSPECTION FEE                                       ----------------        -----------------
ASSUMPTION FEE                                               ----------------        -----------------

TOTAL PREPAID FINANCE CHARGES AND FEES PAID IN CASH:         $    1,000.00
                                                             ----------------
TOTAL PREPAID FINANCE CHARGES AND FEES DEDUCTED FROM LINE:                           $
                                                                                     -----------------
BALANCE REMAINING TO BE DRAWN ON LINE:                                               $    500,000.00
                                                                                     -----------------
-----------------------------------------------------------------------------------------------------------
</TABLE>

DATED:  May 17, 2000

Borrower:  ALLIANCE HEALTHCARD INC.      Borrower:  ALLIANCE HEALTHCARD INC.

By:                                      By:
-----------------------------------      -----------------------------------
ROBERT D GARCES                          THOMAS KISER
CHIEF EXECUTIVE OFFICER                  PRESIDENT

                                       6

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