Document:

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                                                                   Exhibit 10.19

                        SPLIT DOLLAR INSURANCE AGREEMENT

      THIS AGREEMENT made as of the 1st day of January, 1993, by and between
WILLIAM S. JACOBS (the "Owner") and ELECTROMAGNETIC SCIENCES, INC. (the
"Corporation"), a Georgia corporation.

      WHEREAS, the Corporation recognizes the unique and essential services of
the Owner as an employee of the Corporation and his contributions to the
Corporation; and

      WHEREAS, the Corporation has determined that its best interests would be
served by entering into a split dollar life insurance arrangement with the Owner
whereby the Corporation will assist the Owner in maintaining certain life
insurance by contributing from time to time toward the payment of premiums due
on the policy on the Owner's life; and

      WHEREAS, the Corporation enters into the following Agreement subject to
the condition that such policy be assigned to the Corporation as security for
repayment of any amounts which the Corporation may contribute toward the payment
of any premiums due on such policy.

      Now, therefore, for and in consideration of the mutual and reciprocal
covenants hereinafter captained and for other good and valuable consideration,
the receipt, adequacy, and sufficiency of which are hereby acknowledged, it is
hereby agreed between the parties as follows:

                                    ARTICLE I

                            APPLICATION FOR INSURANCE

      1.1 Owner has applied to The Northwestern Mutual Life Insurance Company
(the "Insurer") for an insurance policy (the "Policy") on the life of the Owner,
which Policy has been issued to and is owned by the Owner. The Policy number is
12379824 and the Policy is subject to the terms of this Agreement. The term
"Policy" includes any supplemental contracts of insurance issued by the Insurer
in conjunction with the Policy.

                                   ARTICLE II

                               OWNERSHIP OF POLICY

      2.1 The Owner shall retain and may exercise all rights and privileges of
ownership with respect to the Policy, except as otherwise hereinafter provided
and as provided in the Collateral Assignment (as hereinafter defined) of the
Policy by the Owner. The Owner's rights shall include all the rights of the
"Owner"

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under the terms of the Policy, including, but not limited to, the right to
designate beneficiaries, select settlement options, borrow on the security of
the Policy and to surrender the Policy.

      2.2 Other than as set forth herein and in the Collateral Assignment, the
Corporation shall have no rights of ownership with respect to the Policy. In
exchange for the Corporation's promise to pay the insurance premium on the
Policy as provided in Article IV of this Agreement, the Owner hereby assigns to
the Corporation the following limited ownership rights in the Policy:

            (a) The right to obtain one or more loans or advances on the Policy
to the extent of the Net Amount (as hereinafter defined) which has been
contributed by the Corporation toward the payment of the premiums due on the
Policy under paragraph 4.1 of Article IV of this Agreement, and to pledge or
assign the Policy for such loans or advances. If such loans are for the purpose
of paying premiums or otherwise to purchase or carry the Policy, the Corporation
agrees to adhere to the requirements of Section 264 of the Internal Revenue Code
of 1986, as amended, so that interest on such loans remains deductible for
federal income tax purposes.

            (b) The right to realize against the cash value of the Policy to the
extent of the Net Amount in the event of the termination of this Agreement or
the death of the Owner as provided in Articles VIII, IX, and X of this
Agreement.

      2.3 It is agreed by the parties hereto that the benefits to be paid under
the Policy may be paid by the Insurer, either by separate checks to the parties
entitled thereto or by a joint check. In the latter instance, the Owner and the
Corporation agree that the benefits paid under the Policy shall be divided as
provided herein.

      2.4 The Owner shall have the right to assign any part or all of the
Owner's interest in the Policy and this Agreement to any person, entity, or
trust by execution of a written assignment delivered to the Corporation and the
Insurer.

                                   ARTICLE III

                           ELECTION OF DIVIDEND OPTION

      3.1 All dividends declared by the Insurer on the Policy shall be applied
to purchase additional paid up insurance on the life of the Owner.

      3.2 The Owner has elected the dividend option described in the foregoing
paragraph 3.1 of this ARTICLE III and agrees to give the Corporation sixty (60)
days advance written notice prior to any change or termination of the dividend
option an selected by the Owner hereunder. In the event the Corporation
determines that such change or termination of the dividend option adversely

<PAGE>

affects the security interest of the Corporation hereunder or under the
Collateral Assignment, this Agreement may be terminated by the Corporation upon
thirty (30) days advance written notice to the Owner, in which event the
provisions of ARTICLE IX and ARTICLE X hereinafter set forth shall become
effective and operative. In the event the Corporation determines that such
change or termination does not affect its security interest hereunder or under
the Collateral Assignment, a conforming amendment shall be made to this
Agreement to reflect such change or termination.

                                   ARTICLE IV

                          PAYMENT OF PREMIUMS ON POLICY

      4.1 On or before the due date of each annual premium on the Policy, the
Corporation will pay to the Insurer the entire premium on the Policy and will so
advise the Owner. Within a reasonable period of time thereafter, the Owner will
pay to the Corporation an amount (the "P.S. 58 Cost") equal to that portion of
such annual premium which equals the cost (calculated by application of the
lower of the Internal Revenue Service Table P.S. 58 rates or the insurer's
annual term insurance rates) of the portion of the insurance which the
beneficiary or beneficiaries named by the Owner would be entitled to receive if
the Owner died during the policy year for which the annual premium is paid.

                                    ARTICLE V

                        OWNER'S OBLIGATION TO CORPORATION

      5.1 The Owner shall be obligated and hereby agrees to repay to the
Corporation the net amount (the "Net Amount") which the Corporation has paid
pursuant to paragraph 4.1 of ARTICLE IV of this Agreement; for purposes of this
Agreement, the "Net Amount" shall equal the amount of the premiums paid by the
Corporation reduced by the P.S. 58 Cost paid to the Corporation by the Owner as
provided under paragraph 4.1. This obligation of the Owner to the Corporation
shall be payable as provided in ARTICLE VIII and ARTICLE X of this Agreement.

                                   ARTICLE VI

                       ASSIGNMENT OR TERMINATION OF POLICY

      6.1 The Owner will collaterally assign the Policy to the corporation as
security for the repayment of the Net Amount. The collateral assignment will be
in the form attached as Schedule "A" the "Collateral Assignment") and will not
be altered or changed without the consent of the Corporation.

      6.2 While this Agreement is in force and effect, the Owner

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will neither sell, surrender nor otherwise terminate the Policy without first
giving sixty (60) days advance written notice to the Corporation. In the event
the Corporation determines that such sale, surrender or termination of the
Policy adversely affects the security interest of the Corporation hereunder or
under the Collateral Assignment, this Agreement may be terminated by the
Corporation upon thirty (30) days advance written notice to the Owner, in which
event the provisions of ARTICLE IX and ARTICLE X hereinafter set forth shall
become effective and operative. In the event the Corporation determines that
such sale, surrender or termination does not affect its security interest
hereunder or under the Collateral Assignment, a conforming amendment shall be
made to this Agreement to reflect such sale, surrender or termination.

                                   ARTICLE VII

                      ADDITIONAL POLICY BENEFITS AND RIDERS

      7.1 The Owner may apply for and secure such additions and riders to the
Policy as are provided by the Insurer for the benefit of the Owner.

      7.2 Upon written request by the Corporation, the owner will apply for and
secure such additions and riders to the Policy as are provided by the Insurer
for the benefit of the Corporation.

      7.3 The cost or additional premium attributable to any such addition or
rider shall be paid by the party which will benefit from or be entitled to
receive the proceeds of such addition or rider.

                                  ARTICLE VIII

                                  DEATH CLAIMS

      8.1 When the Owner dies, the Corporation shall be entitled to receive a
portion of the death benefits payable under the Policy. The amount which the
Corporation will be entitled to receive shall equal the Net Amount. The receipt
of the Net Amount by the Corporation shall constitute satisfaction of the
owner's obligation under ARTICLE V of this Agreement.

      8.2 When the Owner dies, the beneficiary or beneficiaries named by the
Owner and designated in the Policy shall be entitled to receive the amount of
the death benefits provided under the Policy in excess of the Net Amount. The
Net Amount shall be paid under the settlement option in the Policy elected by
the Owner.

                                   ARTICLE IX

                            TERMINATION OF AGREEMENT

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      9.1 This Agreement shall terminate on the occurrence of any of the
following events:

            (a) Cessation of the Corporation's business.

            (b) Thirty (30) days after written notice is given by either party
to the other.

            (c) Termination of employment of the Owner with the Corporation for
any reason other than death.

            (d) Bankruptcy, receivership or dissolution of the Corporation.

            (e) Upon the election of the aggrieved party if either the
Corporation fails to pay the premium or if the Owner fails to pay the P.S. 58
Cost to the Corporation as required by ARTICLE IV of this Agreement, provided
that any election to terminate this Agreement under this clause must be made
within so days after the failure to make such payment occurs.

            (f) Repayment to the Corporation in full by the Owner of the Net
Amount. The Corporation agrees that, upon receipt of the Net Amount, the
Corporation will release the Collateral Assignment of the Policy made by the
Owner pursuant to ARTICLE VI of this Agreement.

            (g) Upon the surrender of the Policy by the Owner.

            (h) The fifteenth (15th) anniversary of this Agreement.

                                    ARTICLE X

                DISPOSITION OF POLICY ON TERMINATION OF AGREEMENT

      10.1 In the event this Agreement is terminated pursuant to paragraph 9.1
of ARTICLE IX of this Agreement, the Owner shall have 90 days in which to repay
to the Corporation the Net Amount. upon receipt of the Net Amount, the
Corporation shall release the Collateral Assignment. In the event the Owner does
not repay the Net Amount within this 90-day period, the Corporation may enforce
any rights which it has under the Collateral Assignment and may take whatever
other action it deems appropriate, at law or in equity, to collect, or to cause
the Owner to repay to the Corporation, the Net Amount. The Owner agrees,
promptly upon any such termination, to surrender the Policy to the Insurer for
cancellation and to direct the Insurer to apply the proceeds of such
cancellation to the repayment of the Net Amount.

                                   ARTICLE XI

                               INSURER NOT A PARTY

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      11.1 The Insurer (a) shall not be deemed to be a party to this Agreement
for any purpose nor in any way responsible to the parties to this Agreement for
any purpose nor in any way responsible for its validity; (b) shall not be
obligated to inquire as to the distribution of any monies payable or paid by it
under the Policy pursuant to the terms of this Agreement; and (c) shall be fully
discharged from any and all liability under the terms of any policy issued by
it, which is subject to the terms of this Agreement, upon payment or other
performance of its obligations in accordance with the terms of such policy. The
Insurer shall be bound only by the provisions of and endorsements on the Policy,
and the Insurer shall in no way be bound by or be deemed to have notice of 'he
provisions of this Agreement.

                                   ARTICLE XII

                             AMENDMENT OF AGREEMENT

      12.1 This Agreement shall not be modified or amended except by a writing
signed by the Corporation and the Owner. This Agreement shall inure to the
benefit of and shall be binding upon the heirs, personal representatives,
successors and assigns of each party to this Agreement.

                                  ARTICLE XIII

                        AGREEMENT OF FURTHER PERFORMANCE

      13.1 Each of the parties, for itself and its heirs, personal
representatives, successors and assigns, agrees to take such further action, do
such other things, and execute such other writings as shall be necessary and
proper to carry out the terms and provisions of this Agreement.

                                   ARTICLE XIV

                                    STATE LAW

      14.1 This Agreement shall be subject to and shall be construed under the
laws of the State of Georgia.

                                   ARTICLE XV

                                    NO WAIVER

      15.1 No waiver of a breach or any provision of this Agreement shall be
construed to be a waiver of any breach of any other provisions of this Agreement
or of any succeeding breach of the same provision. No delay in acting with
regard to any breach of any provision of this Agreement shall be construed to be
a waiver of such breach.

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                                   ARTICLE XVI

                                  COUNTERPARTS

      16.1 This Agreement may be executed in multiple counterparts, each of
which shall be deemed an original and together shall constitute one and the same
agreement.

                                  ARTICLE XVII

                               SPECIAL PROVISIONS

      17.1 The parties to this Agreement acknowledge that this Agreement is an
individually negotiated arrangement with a highly compensated management
employee. For purposes of any provision of the Employee Retirement Income
Security Act of 1974, as amended, that may be applicable, the following
provisions apply:

            (a) The Corporation is the named fiduciary:

            (b) The funding policy of this Agreement is that the Corporation
will, as provided in this Agreement, remit all premiums on the Policy when due.

            (c) A claim shall be deemed filed when a written request is
presented by the Owner or his beneficiary to the Claims Manager designated by
the Corporation;

            (d) If a claim is wholly or partially denied, the Claims Manager
shall furnish the owner or his beneficiary with written notice of the denial
within ninety (90) days of the date that the original claim was filed. This
notice of denial shall provide: (1) the reason is) for denial: (2) specific
reference to pertinent provisions of this Agreement on which the denial is
based: (3) a description of any additional information needed to perfect the
claim and an explanation of why such information is necessary; and (4) an
explanation of the applicable claims review procedure;

            (e) The Owner or his beneficiary shall have sixty (60) days from
receipt of the denial notice in which to make written application for review by
the Claims Manager. With respect to such review, the owner or his beneficiary
may review pertinent documents and submit written issues and comments; and

            (f) Within sixty (60) days of the Claims Manager's receipt of a
written application for review, together with any related written comments, the
Claims Manager shall issue a written decision on such review, a copy of which
shall be furnished to the owner or his beneficiary. Such decision on review
shall include specific reasons for the decision and specific references to the
pertinent provisions of this Agreement on which the decision is based. If a copy
of the decision on

<PAGE>

review is not furnished to the Owner or his beneficiary within sixty (60) days,
the claim shall be deemed denied on review.

      IN TESTIMONY WHEREOF, the Corporation, pursuant to the proper corporate
authority, has caused this Agreement to be signed on its behalf and its seal to
be affixed and attested by its proper officers and the Owner has hereunto
subscribed his name and seal, all as of the day and year first above set forth.

                                       OWNER

                                       /s/ William S. Jacobs

                                       ELECTROMAGNETIC SCIENCES, INC.

                                       By: /s/ Don T. Scartz
                                           Duly Authorized Officer<PAGE>

                                                                   Exhibit 10.14

                             FIRST AMENDMENT TO THE
                              TIB BANK OF THE KEYS
                          SALARY CONTINUATION AGREEMENT

      THIS FIRST AMENDMENT executed on this 1st day of July, 2004, by and
between the TIB BANK OF THE KEYS, a Florida banking corporation located in Key
Largo, Florida (the "Company"), and ______________________ (the "Executive").

      On ____________, the Company and the Executive executed the TIB BANK OF
THE KEYS SALARY CONTINUATION AGREEMENT (the "Agreement").

      The undersigned hereby amends, in part, said Agreement for the purpose of
1) changing the vesting provisions for purposes of determining the Early
Termination Benefits under the Agreement, and 2) updating the Claims and Review
Procedures. Therefore,

      Section 2.2.1 of the Agreement shall be added to the Agreement as follows:

            2.2.1 Amount of Benefit. The benefit under this Section 2.2 is the
       Early Termination Annual Benefit set forth in Schedule A for the Plan
       Year ending immediately prior to the Early Termination Date, determined
       by vesting the Executive in 100 percent (100%) of the accrual balance set
       forth in Schedule A. Annual changes in Compensation shall require the
       recalculation of Schedule A in accordance with the Schedule A
       Calculations in Exhibit I.

      Article 6 of the Agreement shall be deleted in its entirety and replaced
      by the new Article 6 as follows:

                                    Article 6
                          Claims and Review Procedures

       6.1  For all claims for other than disability benefits:

            6.1.1    Claims Procedure. Any individual ("Claimant") who has not
       received benefits under the Plan that he or she believes should be paid
       shall make a claim for such benefits as follows:

                     6.1.1.1  Initiation - Written Claim. The Claimant initiates
            a claim by submitting to the Company a written claim for the
            benefits.

                     6.1.1.2  Timing of Company Response. The Company shall
            respond to such Claimant within 90 days after receiving the claim.
            If the Company determines that special circumstances require
            additional time for processing the claim, the Company can extend the
            response period by an additional 90 days by notifying the Claimant
            in writing, prior to the end of the initial 90-day period, that an
            additional period is required. The notice of extension must set
            forth the special circumstances and the date by which the Company
            expects to render its decision.

                     6.1.1.3  Notice of Decision. If the Company denies part or
            all of the claim, the Company shall notify the Claimant in writing
            of such denial. The Company shall write the notification in a manner
            calculated to be understood by the Claimant. The notification shall
            set forth:

                              (a)  The specific reasons for the denial,

                              (b)  A reference to the specific provisions of the
                     Plan on which the denial is based,

                              (c)  A description of any additional information
                     or material necessary for the Claimant to perfect the claim
                     and an explanation of why it is needed,

<PAGE>

                     (d)  An explanation of the Plan's review procedures and
            the time limits applicable to such procedures, and

                     (e)  A statement of the Claimant's right to bring a
            civil action under ERISA Section 502(a) following an adverse benefit
            determination on review.

      6.1.2 Review Procedure. If the Company denies part or all of the claim,
the Claimant shall have the opportunity for a full and fair review by the
Company of the denial, as follows:

            6.1.2.1  Initiation - Written Request. To initiate the review, the
      Claimant, within 60 days after receiving the Company's notice of denial,
      must file with the Company a written request for review.

            6.1.2.2  Additional Submissions - Information Access. The Claimant
      shall then have the opportunity to submit written comments, documents,
      records and other information relating to the claim. The Company shall
      also provide the Claimant, upon request and free of charge, reasonable
      access to, and copies of, all documents, records and other information
      relevant (as defined in applicable ERISA regulations) to the Claimant's
      claim for benefits.

            6.1.2.3  Considerations on Review. In considering the review, the
      Company shall take into account all materials and information the Claimant
      submits relating to the claim, without regard to whether such information
      was submitted or considered in the initial benefit determination.

            6.1.2.4  Timing of Company Response. The Company shall respond in
      writing to such Claimant within 60 days after receiving the request for
      review. If the Company determines that special circumstances require
      additional time for processing the claim, the Company can extend the
      response period by an additional 60 days by notifying the Claimant in
      writing, prior to the end of the initial 60-day period, that an additional
      period is required. The notice of extension must set forth the special
      circumstances and the date by which the Company expects to render its
      decision.

            6.1.2.5  Notice of Decision. The Company shall notify the Claimant
      in writing of its decision on review. The Company shall write the
      notification in a manner calculated to be understood by the Claimant. The
      notification shall set forth:

                     (a)  The specific reasons for the denial,

                     (b)  A reference to the specific provisions of the Plan on
            which the denial is based,

                     (c)  A statement that the Claimant is entitled to receive,
            upon request and free of charge, reasonable access to, and copies
            of, all documents, records and other information relevant (as
            defined in applicable ERISA regulations) to the Claimant's claim for
            benefits, and

                     (d)  A statement of the Claimant's right to bring a civil
            action under ERISA Section 502(a).

6.2  For disability claims:

      6.2.1 Claims Procedures. Any individual ("Claimant") who has not received
benefits under the Plan that he or she believes should be paid shall make a
claim for such benefits as follows:

            6.2.1.1  Initiation - Written Claim. The Claimant initiates a claim
      by submitting to the Company a written claim for the benefits.

            6.2.1.2  Timing of Company Response. The Company shall notify the
      Claimant in writing of any adverse determination as set out in this
      Section.

<PAGE>

            6.2.1.3  Notice of Decision. If the Company denies part or all of
      the claim, the Company shall notify the Claimant in writing of such
      denial. The Company shall write the notification in a manner calculated to
      be understood by the Claimant. The notification shall set forth:

                     (a)  The specific reasons for the denial,

                     (b)  A reference to the specific provisions of the Plan on
            which the denial is based,

                     (c)  A description of any additional information or
            material necessary for the Claimant to perfect the claim and an
            explanation of why it is needed,

                     (d)  An explanation of the Plan's review procedures and
            the time limits applicable to such procedures,

                     (e) A statement of the Claimant's right to bring a civil
            action under ERISA Section 502(a) following an adverse benefit
            determination on review,

                     (f)  [See Section 2560.503-1(g)(v)] Any internal rule,
            guideline, protocol, or other similar criterion relied upon in
            making the adverse determination, or a statement that such a rule,
            guideline, protocol, or other similar criterion was relied upon in
            making the adverse determination and that the Claimant can request
            and receive free of charge a copy of such rule, guideline, protocol
            or other criterion from the Company, and

                     (g)  If the adverse benefit determination is based on a
            medical necessity or experimental treatment or similar exclusion or
            limit, either an explanation of the scientific or clinical judgment
            for the determination, applying the terms of the Plan to the
            Claimant's medical circumstances, or a statement that such
            explanation will be provided free of charge upon request.

            6.2.1.4  Timing of Notice of Denial/Extensions. The Company shall
      notify the Claimant of denial of benefits in writing not later than 45
      days after receipt of the claim by the Plan. The Company may elect to
      extend notification by two 30-day periods subject to the following
      requirements:

                     (a)  For the first 30-day extension, the Company shall
            notify the Claimant (1) of the necessity of the extension and the
            factors beyond the Plan's control requiring an extension; (2) prior
            to the end of the initial 45-day period; and (3) of the date by
            which the Plan expects to render a decision.

                     (b)  If the Company determines that a second 30-day
            extension is necessary based on factors beyond the Plan's control,
            the Company shall follow the same procedure in (a) above, with the
            exception that the notification must be provided to the Claimant
            before the end of the first 30-day extension period.

                     (c)  For any extension provided under this section, the
            Notice of Extension shall specifically explain the standards upon
            which entitlement to a benefit is based, the unresolved issues that
            prevent a decision on the claim, and the additional information
            needed to resolve those issues. The Claimant shall be afforded 45
            days within which to provide the specified information.

      6.2.2 Review Procedures - Denial of Benefits. If the Company denies part
or all of the claim, the Claimant shall have the opportunity for a full and fair
review by the Company of the denial, as follows:

            6.2.2.1  Initiation of Appeal. Within 180 days following notice of
      denial of benefits, the Claimant shall initiate an appeal by submitting a
      written notice of appeal to Company.

            6.2.2.2  Submissions on Appeal - Information Access. The Claimant
      shall be allowed to provide written comments, documents, records, and
      other information relating to the claim for benefits. The Company shall
      provide to the Claimant, upon request and free of charge, reasonable
      access to, and copies of, all documents, records, and other information
      relevant (as defined in applicable ERISA regulations) to the Claimant's
      claim for benefits.

<PAGE>

            6.2.2.3  Additional Company Responsibilities on Appeal. On appeal,
      the Company shall:

                     (a)  [See Section 2560.503-1(h)(3)(i)-(v)] Take into
            account all materials and information the Claimant submits relating
            to the claim, without regard to whether such information was
            submitted or considered in the initial benefit determination;

                     (b)  Provide for a review that does not afford deference
            to the initial adverse benefit determination and that is conducted
            by an appropriate named fiduciary of the Plan who is neither the
            individual who made the adverse benefit determination that is the
            subject of the appeal, nor the subordinate of such individual;

                     (c)  In deciding an appeal of any adverse benefit
            determination that is based in whole or in part on a medical
            judgment, including determinations with regard to whether a
            particular treatment, drug, or other item is experimental,
            investigational, or not medically necessary or appropriate, consult
            with a health care professional who has appropriate training and
            experience in the field of medicine involved in the medical
            judgment;

                     (d)  Identify medical or vocational experts whose advise
            was obtained on behalf of the Plan in connection with a Claimant's
            adverse benefit determination, without regard to whether the advice
            was relied upon in making the benefit determination; and

                     (e)  Ensure that the health care professional engaged for
            purposes of a consultation under subsection (c) above shall be an
            individual who was neither an individual who was consulted in
            connection with the adverse benefit determination that is the
            subject of the appeal, nor the subordinate of any such individual.

            6.2.2.4  Timing of Notification of Benefit Denial - Appeal Denial.
      The Company shall notify the Claimant not later than 45 days after receipt
      of the Claimant's request for review by the Plan, unless the Company
      determines that special circumstances require an extension of time for
      processing the claim. If the Company determines that an extension is
      required, written notice of such shall be furnished to the Claimant prior
      to the termination of the initial 45-day period, and such extension shall
      not exceed 45 days. The Company shall indicate the special circumstances
      requiring an extension of time and the date by which the Plan expects to
      render the determination on review.

            6.2.2.5  Content of Notification of Benefit Denial. The Company
      shall provide the Claimant with a notice calculated to be understood by
      the Claimant, which shall contain:

                     (a)  The specific reason or reasons for the adverse
            determination;

                     (b)  Reference to the specific plan provisions on which
            the benefit determination is based;

                     (c)  A statement that the Claimant is entitled to receive,
            upon request and free of charge, reasonable access to, and copies of
            all documents, records, and other relevant information (as defined
            in applicable ERISA regulations);

                     (d)  A statement of the Claimant's right to bring an
            action under ERISA Section 502(a);

                     (e)  [See Section 2560.503-1(j)(5)] Any internal rule,
            guideline, protocol, or other similar criterion relied upon in
            making the adverse determination, or a statement that such a rule,
            guideline, protocol, or other similar criterion was relied upon in
            making the adverse determination and that the Claimant can request
            and receive free of charge a copy of such rule, guideline, protocol
            or other criterion from the Company;

                     (f)  If the adverse benefit determination is based on a
            medical necessity or experimental treatment or similar exclusion or
            limit, either an explanation of the scientific or clinical judgment
            for the determination, applying the terms of the Plan to the
            Claimant's medical circumstances, or a statement that such
            explanation will be provided free of charge upon request; and

                     (g)  The following statement: "You and your plan may have
            other voluntary alternative dispute resolution options such as
            mediation. One way to find out what may be available is to contact
            your local U.S. Department of Labor Office and your state insurance
            regulatory agency."

<PAGE>

      Vesting Percent paragraph of Exhibit I, Schedule A Calculations shall be
deleted in its entirety and replaced by the new Vesting Percent paragraph as
follows:

Vesting Percent: The vesting percent is one hundred percent (100.0%).

Except as amended herein by this First Amendment, the Agreement remains in full
force and effect.

      IN WITNESS OF THE ABOVE, the Executive and the Company have agreed to this
First Amendment.

EXECUTIVE:                                       COMPANY:

                                                 TIB BANK OF THE KEYS

___________________________________              By_____________________________
                                                 Its ___________________________

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