Document:

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                                 Exhibit 10.15

January 24, 2001

C. R. McCullar
President and CEO
Smith River Community Bank, N.A.
730 East Church Street, Suite 12
Martinsville, Virginia 24112

Dear Mr. McCullar:

This letter confirms the understanding and agreement between The Carson Medlin
Company ("CMC") and Smith River BankShares, Inc. (the "Company"), whereby the
Company has retained CMC to provide financial advisory services in connection
with a proposed offering of common stock of the Company (the "Offering").

CMC will assist the Company in: (i) assessing the recent market in the United
States for the issuance of securities by banking institutions; (ii) evaluating
the potential present and future financial impact of the Offering on the
Company: (iii) establishing the issuance price of the Offering; and (iv)
completing the prospectus, offering circular or similar document to be used in
connection with the Offering.  Additionally, CMC will be available to discuss
its findings in connection with the Offering with the management and board of
directors of the Company.

It is agreed that fees for CMC's services rendered in connection with the
Offering will be $10,000, payable one half at the time of delivery by CMC of its
final analysis to be prepared in connection with the Offering and the remaining
balance ninety days thereafter.  The Company will also reimburse CMC for all
reasonable out-of-pocket expenses incurred in connection with rendering the
services described in this letter, including without limitation, reasonable
attorneys' fees and charges, if CMC deems it advisable to consult with counsel.

CMC's retention and authorization to advise the Company in connection with the
Offering shall remain in effect for a period of one hundred eighty (180) days
from the Company's execution of this letter.  The engagement may be extended by
the mutual agreement of the parties hereto.
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The Company acknowledges and agrees that in performing the services hereunder,
CMC will rely on data, material and other information furnished to CMC by the
Company, and its agents, counsel, employees and representatives.  The Company
represents, warrants and covenants that such reliance upon such information
provided by it is justified.  CMC does not assume any responsibility for the
accuracy and completeness of said information or any conclusions drawn from any
such information which is incomplete or inaccurate.  The Company represents,
warrants and covenants that all such information provided by it to CMC will not
contain any untrue statement of any material fact nor omit to state any material
fact necessary to preclude said information from being false or misleading.  The
Company agrees that it will furnish CMC complete copies of all relevant
documents and such other data, material and information as CMC may reasonably
request from each party.

CMC shall keep confidential all material non-public information provided to it
hereunder by the Company, and shall not disclose such information to any third
party, other than such of its employees and advisors as CMC determines
appropriate.  CMC shall advise such persons that such information is
confidential.

The obligations of CMC hereof are solely obligations of CMC and no officer,
employee, agent, representative, affiliate or controlling person of CMC shall be
subject to any personal liability whatsoever to any person in connection with
this Agreement or the services to be performed hereunder.  The Company
understands and agrees that CMC's services rendered hereunder are advisory only
and that all decisions in connection with or made as a result of those services
are to be made consistent with the Company's own judgment.

The Company agrees to indemnify CMC and its affiliates in accordance with
Schedule One, which is attached hereto and incorporated herein by reference.

The Company is not subject to any agreements with any regulatory agencies which
in any way purport to restrict the activities of, be binding upon or otherwise
impose any liability upon any "institution affiliated party" as such term is
defined in the Financial Institutions Reform, Recovery and Enforcement Act of
1989 ("FIRREA"), Section 901.  This Agreement is not intended to, and shall not
confer any rights upon any shareholder, depositor or creditor of the Company,
whether as third party beneficiaries or otherwise against any party hereto or
their respective directors, officers, agents, employees, representatives,
affiliates or controlling persons.

This Agreement has been duly authorized and approved by the Company, and from
the time of its execution, will be maintained continuously as an official record
of the Company.  This Agreement constitutes our complete understanding and
agreement and may not be amended or modified except in writing.  This Agreement
shall be governed by and construed in accordance with the laws of the State of
North Carolina.
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If you are in agreement with the terms as outlined above, please execute and
return one copy of this letter to us, whereupon this letter shall constitute a
binding agreement among us as of the date first above written.

Sincerely,

THE CARSON MEDLIN COMPANY

By:_______________________________
   W. Gray Medlin, Chairman

Date:________________________

Understood, agreed and accepted by the undersigned thereunto duly authorized:

SMITH RIVER BANKSHARES, INC.

By:__________________________

Its:_________________________

Date:________________________
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Schedule One-Indemnification

The Company agrees to indemnify and hold harmless CMC and its affiliates, the
respective directors, officers, agents, and employees of CMC and its affiliates
and each other person, if any, controlling CMC or any of its affiliates, to the
full extent lawful, from and against any losses, claims, damages or liabilities
(or actions, including shareholder actions, in respect thereof) (collectively,
"Losses") arising out of such engagement or CMC's role in connection therewith.
The Company will reimburse CMC and any other party entitled to be indemnified
hereunder for all expenses reasonably incurred (including the reasonable fees of
one counsel representing all such parties) as they are incurred by CMC or any
such other indemnified party in connection with investigating, preparing or
defending any such action or claim.  If a claim for indemnification hereunder is
to be made by any party entitled to be indemnified hereunder, such party shall
give written notice to the Company of the commencement of such action or the
assertion of such claim within 30 days after such indemnified party learns of
the commencement or assertion.  The Company shall not be responsible for any
Losses unless such notice is provided as set forth in the immediately preceding
sentence.  In addition, the Company will not be responsible for any Losses to
the extent that the same are finally judicially determined to have resulted from
CMC's bad faith or negligence, and such indemnified party which receives
reimbursement for any Losses or other expenses hereunder, as a condition to the
Company's obligation to so reimburse such indemnified party shall agree in
writing to reimburse the Company for the full amount of such Losses in the event
that such Losses are finally judicially determined to have resulted from CMC's
or such indemnified party's bad faith or negligence.  The Company also agrees
that neither CMC, nor any of its affiliates, nor any officer, directors,
employee or agent of CMC or any of its affiliates, nor any person controlling
CMC or any of its affiliates, shall have any liability to the Company for or in
connection with such engagement except for any such liability for losses,
claims, damages, liabilities or expenses incurred by the Company that is
judicially determined to have resulted from CMC's bad faith or negligence.  The
foregoing agreement shall be in addition to any rights that CMC and the Company
or any indemnified party may have at common law, including, but not limited to,
any right to contribution.Exhibit 4.4

                              CBRL GROUP, INC.

                   2000 NON-EXECUTIVE STOCK OPTION PLAN
                   ------------------------------------

                            Purpose of the Plan
                            -------------------

     This CBRL Group, Inc. 2000 Non-Executive Stock Option Plan (the "Plan")
is intended to promote the interests of CBRL Group, Inc. (the "Company") and
its shareholders by encouraging employees of the Company and each defined
Subsidiary, who are not officers or directors of the Company, to own, and to
increase their ownership of, the Company's stock, thereby giving them, as
shareholders, an increased personal interest in, and a greater concern for,
the Company's continued success and progress.

                            Statement of the Plan
                            ---------------------

     1.  NAME.  The Plan shall be known as: CBRL Group, Inc. 2000 Non-
Executive Stock Option Plan.

     2.  DEFINITIONS.  In addition to words defined elsewhere in this
document, in this Plan, the following terms, capitalized as indicated, shall
have the meanings designated, in singular or plural forms, unless a different
meaning is plainly required by the context.

         a.  "Affiliate" and "Associate" have the respective meanings
ascribed to those terms in Rule 12b-2 of the General Rules and Regulations
promulgated by the Securities and Exchange Commission under the Securities
Exchange Act of 1934, as in effect on the date the Plan is approved by the
Company and becomes effective.

         b.  A "beneficial owner" of any securities is a person or any of its
Affiliates or Associates which:

             (1)  beneficially owns the securities, directly or indirectly;
or

             (2)  directly or indirectly, has (i) the right to acquire the
securities (whether the right is exercisable immediately or only after the
passage of time), pursuant to any agreement, arrangement or understanding or
upon the exercise of conversion rights, exchange rights, warrants or options,
or otherwise, or (ii) the right to vote pursuant to any agreement,
arrangement or understanding; or

             (3)  has any agreement, arrangement or understanding for the
purpose of acquiring, holding, voting or disposing of any securities which
are beneficially owned, directly or indirectly, by any other person.

         c. "Board" means the Company Board of Directors.

         d. "Change in Control" means:

             (1)  that after the date of this Agreement, a person becomes the
beneficial owner, directly or indirectly, of securities of the Company
representing 20% or more of the combined voting power of the Company's then
outstanding voting securities, unless that acquisition was approved by a vote
of at least 2/3 of the directors in office immediately prior to the
acquisition;

             (2)  that during any period of 2 consecutive years following the
date of this Agreement, individuals who at the beginning of the period
constitute members of the Board of Directors of the Company cease for any
reason to constitute a majority of the Board unless the election, or the
nomination for election by the Company's shareholders, of each new director
was approved by a vote of at least 2/3 of the directors then still in office
who were directors at the beginning of the 2-year period;

             (3)  a merger, consolidation or reorganization of the Company
(but this provision does not apply to a recapitalization or similar financial
restructuring which does not involve a material change in ownership of equity
of the Company and which does not result in a change in membership of the
Board of Directors); or

             (4)  sale of all or substantially all of the Company's assets.

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

         f.  "Common Stock" means common stock of the Company having a par
value of $0.01 per share.

         g.  "Disability" means disabled within the meaning of Section
22(e)(3) of the Internal Revenue Code.

         h.  "Effective Date" means the date this Plan is adopted by the
Board.

         i.  "Fair Market Value" of the Common Stock shall be the last
reported sale price of Common Stock as reported by The Nasdaq National Market
("Nasdaq") on the last trading day immediately preceding the day of the grant
of the Option.

         j.  "Option" means a nonqualified option to acquire Common Stock
granted pursuant to the Plan.

         k.  "Optionee" means any employee of the Company or of any of its
Subsidiaries who receives Options granted under this Plan.

         l.  "Parent" means a parent corporation as defined in Sections
424(e) and (g) of the Internal Revenue Code.

         m.  A "person" means any individual, firm, company, partnership,
other entity or group.

                                    2

         n.  "Retirement" means the action of an employee who voluntarily
terminates his or her employment relationship with the Company when the
employee is at least 55 years of age, and the employee has 7 or more years of
full-time service with the Company (as full-time service is defined for the
employee's employment category during the time of service).  Retirement
specifically excludes termination pursuant to a severance agreement with the
Company (unless specifically agreed otherwise in that agreement) or
termination for Just Cause.

         o.  "Subsidiary" means an affiliated business entity during any
period that 50% or more of its common stock, or in the case of a partnership
50% or more of its capital interest, is owned directly or indirectly by the
Company, or during any period that it is a member with the Company in a
controlled group of corporations or is otherwise under common control with
the Company within the meaning of Sections 414(b) and (c) of the Code.

         p.  "Just Cause" means matters which, in the judgment of the Option
Committee, constitute any one or more of the following:

             (1)        intoxication while on the job;

             (2)        theft or dishonesty in the conduct of the Company's
                        business;

             (3)        willful neglect or negligence in the management of
                        Company business, or violation of Company race or
                        gender anti-harassment policies;

             (4)        violence that results in personal injury, or
                        conviction of a crime involving moral turpitude.

     3.  ADMINISTRATION.

         3.01  Option Committee.  The Plan shall ultimately be administered
by the Board's Compensation and Stock Option Committee (the "Option
Committee"). The Option Committee shall consist of 2 or more non-employee
directors.  The Committee, in its discretion, may delegate to officers of the
Company the authority, within parameters established from time to time by the
Option Committee, to make decisions and to take actions which otherwise would
be in the discretion of the Option Committee under the Plan.

         3.02  Evidence of Grant.  The Option Committee shall grant Options
to employees chosen by the Option Committee to participate in the Plan. Each
grant shall be made under, and in accordance with, the provisions of the
Plan.  Each Option granted shall be evidenced by a written stock option
agreement in a form and containing provisions which are not inconsistent with
this Plan.

         3.03  Committee Authority.  The Option Committee has full and final
authority and discretion to interpret provisions of the Plan, to determine
from time to time the individuals in the group eligible for Options and the
number of shares to be affected by each Option; to determine the purchase
price of the shares affected by each Option and the time or

                                    3

times at which Options shall be granted; to determine the conditions for
grant, exercise, expiration or forfeiture of Options; to make, amend and
rescind rules and regulations relating to the Plan; to determine the terms
and provisions of the instruments by which Options shall be evidenced; and to
make all other determinations necessary or advisable for the administration
of the Plan.  The Option Committee may, from time to time, adopt and change
rules and regulations of general application for the Plan's administration.
The Option Committee's interpretation of the Plan and its rules and
regulations, and all actions taken and determinations made by the plan
administrator pursuant to the Plan, shall be conclusive and binding on all
those who are involved or affected.

     4.  ELIGIBILITY. Subject to the following sentence, the persons eligible
to participate in the Plan as recipients of Options are the employees of the
Company or of any Subsidiary of the Company (the "employees").
Notwithstanding the foregoing, any person who is a participant in the CBRL
Group Long Term Incentive Plan shall not be eligible to participate in or
receive options under the Plan.  Nothing contained in this Plan, nor in any
Option granted pursuant to the Plan, shall confer upon any employee any right
to continue in the employment of the Company or any Subsidiary nor limit in
any way the right of the Company or any Subsidiary to terminate any
employee's employment at any time.

     5.  SHARES SUBJECT TO THE PLAN.

         5.01  Shares Affected.  The shares to be granted and delivered by
the Company upon exercise of Options are shares of Common Stock, which may be
either authorized but unissued shares, or so-called "treasury shares"
reacquired by the Company, in the discretion of the Option Committee.

         5.02  Number of Shares.  The aggregate number of shares of Common
Stock which may be granted under this Plan shall not exceed 2,000,000 shares.
However, that number shall be adjusted as provided in Section 8 of this Plan
for stock splits, stock dividends, exchanges of shares, or the like occurring
after the Effective Date.  No Option may be granted under this Plan which at
the time could cause the maximum limit of shares to be exceeded.

         5.03  Effect of Expired Options.  Shares covered by an Option which
is no longer exercisable with respect to those shares shall again be
available to support grants of Options under this Plan.

     6.  TERMS OF OPTIONS.  Options shall include the following terms and
conditions:

         a.  Option Price.  The Option price per share shall be the Fair
Market Value of the Company's Common Stock.

         b.  Time and Issuance of Options.  From time to time the Option
Committee shall select, from among those who are eligible, the individuals to
whom Options shall be granted and shall determine the number of shares to be
affected by each Option.  The date of the grant shall be determined by the
date on which the Option recommendation is approved, or

                                    4

selection of an employee as a participant in any grant under the Plan is
made, by the Option Committee.  Participation in the Plan or management's
recommendation of a grant shall not, and shall not be deemed to, entitle the
employee to any Option prior to the time it is actually granted by the Option
Committee; and the granting of any Option under the Plan shall not, and shall
not be deemed to, entitle an employee to, or to disqualify the employee from,
any participation in any other grant of Options under the Plan.  In making
any determination as to individuals to whom Options shall be granted and as
to the number of shares to be affected by the Options, the Option Committee
shall take into account the duties of the respective individuals, their
present and potential contributions to the success of the Company, and any
other factors the Option Committee deems relevant in accomplishing the
purposes of the Plan.

         c.  Period Within Which Option May be Exercised.  Each Option shall
specify the rate at which the Option vests or becomes exercisable, which rate
shall be in the discretion of the Option Committee.  Each Option also shall
specify that the Option shall expire at the end of a specified period, which
shall not exceed ten (10) years.

         d.  Limited Transferability.  No Option may be assigned, pledged or
transferred by an Optionee other than by will or by the applicable laws of
descent and distribution. The Option Committee, in its sole discretion, may
permit an Optionee to designate a beneficiary who may exercise the Option
after the Optionee's death but any affected Option shall remain subject to
all the same terms and conditions contained in the instrument evidencing the
Option.

         e.  Amendment of Options.  Material amendments to an outstanding
Option require approval by the Option Committee and must be agreed upon by
the Optionee.

         f.  Exercise After Termination of Service.  If an Optionee's
employment with the Company is terminated, then in the following described
circumstances, the Optionee shall have the specified time periods within
which to exercise the Optionee's unexercised options, or portions of them:

             (1)  Death or Disability.  If an Optionee dies (i) while an
employee of the Company or of a Subsidiary or (ii) within 90 days after
termination of that employment, other than termination for Just Cause, the
Options may be exercised, to the extent that the Optionee was entitled to do
so at the date of termination of employment, by the person or persons to whom
the Optionee's rights under the Option pass by will or applicable law, or if
no person has that right, by the executors or administrators, at any time, or
from time to time, for a period of one year after the date of the Optionee's
death, but no Option may ever be exercised later than its specified
expiration date.  If an Optionee's employment with the Company is terminated
as a result of Disability, the Optionee may exercise Options, to the extent
the Optionee was entitled to do so at the date of termination of employment,
for a period of one year, but no Option may ever be exercised later than its
specified expiration date.

             (2)  Termination of Employment.  If an Optionee's employment
with the Company or a Subsidiary terminates for any reason other than
Disability, Retirement, death or Just Cause, he or she may exercise Options,
to the extent that he or she was entitled to do so at the date of termination
of employment, at any time, or from time to time, for a period of 90 days

                                      5

after the date of termination, but no Option may ever be exercised later than
its specified expiration date. Absences for military service for 180 days or
less shall not constitute termination of employment. In all other cases, the
Option Committee shall determine whether authorized leaves of absence for
military or governmental service shall constitute termination of employment
for purposes of this Plan.  If an Optionee's employment with the Company or
any Subsidiary is terminated for Just Cause, all the employee's Options shall
be terminated as of the date of the employee's termination and will no longer
be exercisable.

             (3)  Retirement.  If an Optionee ceases to be an employee by
Retirement, the former employee may exercise Options, to the extent the
Optionee was entitled to do so at the date of termination, at any time during
the remaining life of the Options, but no Option may ever be exercised later
than its specified expiration date.

         g.  Shareholder Rights.  The Optionee shall have no rights as a
shareholder with respect to any shares covered by Options until the issuance
of a stock certificate to the Optionee for the affected shares.  No
adjustment shall be made for dividends or other rights for which the record
date is prior to the issuance of the stock certificate, except as provided in
Section 8 of this Plan.

         h.  Partial Exercise.  Unless specifically stated otherwise in the
option grant, any exercise of an Option may be made in whole or in part.

     7.  EXERCISE OF OPTIONS.

         7.01  Determination of Procedures.  The Option Committee has the
right to determine the manner in which Options may be exercised pursuant to
this Plan.  The exercise procedures shall be stated in each stock option
agreement.  The manner of exercising Options may vary from grant to grant, at
the discretion of the Option Committee.

         7.02  Method of Exercise.  Unless specified otherwise in the
applicable stock option agreement, an Option granted under this Plan may be
exercised by written notice to the Company, signed by the Optionee, or by any
other person entitled to exercise the Option.  The notice of exercise shall
be delivered to the Company at its principal office (Attention: Corporate
Secretary), shall state the number of shares with respect to which the Option
is being exercised, and shall be accompanied by payment in full of the Option
price for the affected shares.  Upon the exercise of an Option and full
payment for it, as soon as practicable the Company shall cause a certificate
or certificates for the number of shares with respect to which the Option is
properly exercised  to be delivered to the exercising Optionee. The shares of
Common Stock shall be registered in the name of the exercising Optionee, or
in any name jointly with him or her that the Optionee directs in the written
notice of exercise.  It is a condition to the obligation of the Company to
issue or transfer shares of Common Stock upon exercise of an Option that the
Optionee pay to the Company, upon its demand, all amounts requested by the
Company for the purpose of satisfying its liability to withhold federal,
state or local income or other taxes incurred because of the exercise of the
Option or the transfer of the affected shares.  If the amount requested is
not paid, the Company may refuse to issue or transfer shares of stock upon
exercise

                                    6

of an Option.  All shares issued upon the proper exercise of the Option, with
full payment as required, shall be fully paid and nonassessable.

         7.03  Payment of Purchase Price.  Shares purchased by exercising an
Option shall be paid for in full by delivery to the Company of consideration
equal to the product of each option price and the number of shares purchased,
plus applicable taxes.  The consideration shall be paid in cash or by check.
 In addition, in the sole discretion of the Option Committee (or any
authorized person designated by that Committee), a combination of cash, check
and one or more of the following alternatives may be used as payment for the
exercise of an Option:

             a.  tendering (either actually or, if and so long as the Common
Stock is registered under Section 12(b) or 12(g) of the Exchange Act, by
attestation) or constructively surrendering Common Stock already owned by the
Optionee for at least 6 months having a Fair Market Value on the exercise
date equal to the total Option exercise price; or

             b.  if and so long as the Common Stock is registered under
Section 12(b) or 12(g) of the Exchange Act, delivery of a properly executed
exercise notice, together with irrevocable instructions, to a brokerage firm
designated by the Company (which will promptly deliver to the Company the
aggregate amount of sale or loan proceeds needed to pay the exercise price
and any withholding tax obligations that may arise in connection with the
exercise), and to the Company (which will cause its transfer agent to deliver
the certificates for purchased shares directly to the brokerage firm), all in
accordance with the regulations of the Federal Reserve Board; or

             c.  any other consideration the Option Committee may permit.

         7.04  Withholding.  The Company's obligation to deliver shares on
the exercise of any Option is subject to satisfaction of any applicable
United States federal, state and local tax withholding requirements.
Applicable withholding obligations shall be determined as of the exercise
date of any Option, i.e., the later of the date the Company receives a notice
of exercise or the full payment of the exercise price.  The Option Committee
may, in its sole discretion, permit the Optionee to satisfy withholding
obligations, in whole or in part, by paying cash or by transferring to the
Company shares of Common Stock already owned by the Optionee for at least 6
months, in amounts based on Fair Market Value equal to the withholding
obligation.

     8.  ADJUSTMENTS TO REFLECT CAPITAL CHANGES.  The following adjustments
shall be made to reflect changes in the capitalization of the Company:

         a.  Recapitalization.  The number and kinds of shares subject to
outstanding Options, the exercise prices for those shares, and the number and
kinds of shares available for Options subsequently granted under the Plan
shall be appropriately adjusted to reflect any stock dividend, stock split,
combination or exchange of shares, merger, consolidation or other change in
capitalization with a similar substantive effect upon the number of shares of
Common Stock then issued and outstanding and the number of shares available
to be delivered upon exercise of Options.  The Option Committee shall have
the power to determine the amount of the adjustment to be made in each case.

                                     7

         b.  Certain Reorganizations. After any reorganization, merger or
consolidation in which the Company is not the surviving corporation, each
Optionee shall, at no additional cost, be entitled to exercise all of his or
her Options, whether vested or not, and (subject to any required action by
shareholders) upon any exercise of any Option, to receive in lieu of the
number of shares of the Common Stock exercisable pursuant to the Option, the
number and class of shares of stock or other securities to which that
Optionee would have been entitled pursuant to the terms of the
reorganization, merger or consolidation if, at the time of the reorganization
or other action, that Optionee had been the holder of record of a number of
shares of stock equal to the total number of shares covered by all his or her
Options.  Comparable rights shall accrue to each Optionee in the event of
successive reorganizations, mergers or consolidations in which the then
existing corporation is not the surviving corporation.

         c.  Effect of Change in Control.  In the event of any Change in
Control, notwithstanding other provisions of this Plan or any contrary
vesting schedule in any Option  grant and agreement, unless the applicable
Option agreement specifically provides that this provision shall not apply,
all Options then outstanding under the Plan shall be deemed to be fully
vested and immediately exercisable (without regard to any limitation imposed
by the Plan or the Board at the time the Options were granted which permits
all or any part of the Options to be exercised only after the lapse of time),
as of the effective date of the Change in Control.

     9.  AMENDMENT AND TERMINATION OF PLAN.  The Board may from time to time,
with respect to any Common Stock on which Options have not been granted,
amend in any respect, suspend or discontinue the Plan. However, no action may
alter or impair an Optionee's rights under any outstanding Options without
the Optionee's consent.

     10.  INDEMNIFICATION OF OPTION COMMITTEE.  In addition to all other
rights of indemnification they may have as members of the Board or as members
of the Option Committee, the members of the Option Committee shall be
indemnified by the Company against all costs and expenses reasonably incurred
by them in connection with any action, suit or proceeding to which they or
any of them may be party by reason of any action taken, or failure to act,
under or in connection with the Plan, or any Option withheld or granted under
the Plan, and against all amounts paid by them in settlement of those matters
(provided the settlement is approved by legal counsel selected by the
Company) or paid by them in satisfaction of a judgment in any such action,
suit or proceeding, except a judgment based upon a finding of bad faith.
Upon the institution of any action, suit or proceeding, the affected Option
Committee member shall notify the Company in writing, giving the  Company an
opportunity, at its own expense, to handle and defend the matter before the
Option Committee member undertakes to handle it on his or her own behalf.

     11.  NO RIGHT TO RECEIVE OPTIONS.  Neither the adoption of the Plan nor
any action of the Option Committee shall, or shall be deemed to, give any
person any right to be granted an Option, or any other right under this Plan,
unless and until the Option Committee specifically acts to grant a person an
Option, and then his or her rights shall be only those prescribed in the
grant and agreement evidencing the Option.

                                      8

     12.  COMPANY RESPONSIBILITY.  All expenses of this Plan, including the
cost of maintaining records, shall be borne by the Company.  The Company
shall have no responsibility or liability (other than under applicable
securities laws) for any act or thing done or left undone with respect to the
price, time, quantity, or other conditions and circumstances of the grant of
Options or the sale and purchase of Common Stock under the terms of the Plan,
so long as the Company acts in good faith.

     13.  SECURITIES LAWS.  The Board shall take all necessary or appropriate
actions to ensure that all Option grants are, and that all exercises of
Options under this Plan may be made, in compliance with all applicable
federal and state securities laws.  The Company, however, assumes no
responsibility for compliance with any federal or state securities laws
affecting the resale of any shares of Common Stock acquired under the Plan.

     14.  NO OBLIGATION TO EXERCISE OPTION.  The granting of an Option
imposes no obligation upon any Optionee to exercise any Option at any time.

     15.  TERM OF PLAN.  This Plan shall be effective as of the date of
adoption of the Plan by the Board, and unless extended by specific action of
the Board, this Plan shall expire on July 29, 2005 (except as to Options
vested and outstanding on that date), and no Options shall be granted under
the Plan on or after the expiration date of the Plan.

     16.  GENERAL.  The Plan and any Options granted under this Plan shall be
governed by and construed in accordance with the laws of the State of
Tennessee and any specifically applicable federal tax, securities or employee
benefit laws.

     17.  EFFECTIVE DATE.  This Plan was adopted by the Board on July 27,
2000.

                                      9

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