Document:

EXHIBIT 10.24

                                 LIFE INSURANCE

                      ENDORSEMENT METHOD SPLIT DOLLAR PLAN

                                    AGREEMENT

Insurer:                            Canada Life Assurance Company

Policy Number:                      US2650238

Bank:                               Northside Bank of Tampa

Insured:                            Johnny R. Adcock

Relationship of Insured to Bank:    Director

The respective rights and duties of the Bank and the Insured in the subject
policy shall be as defined in the following:

I.       DEFINITIONS

Refer to the policy contract for the definition of all terms in this Agreement.

POLICY TITLE AND OWNERSHIP

Title and ownership shall reside in the Bank for its use and for the use of the
Insured all in accordance with this Agreement. - The Bank alone may, to the
extent of its interest, exercise the right to borrow or withdraw on the Policy
cash values. Where the Bank and the Insured (or assignee, with the consent of
the Insured) mutually agree to exercise the right to increase the coverage under
the subject split dollar Policy, then, in such event, the rights, duties and
benefits of the parties to such increased coverage shall continue to be subject
to the terms of this Agreement.

BENEFICLARY DESIGINATION RIGHTS

The Insured (or assignee) shall have the right and power to designate a
beneficiary or beneficiaries to receive his share of the proceeds payable upon
the death of the Insured, and to elect and change a payment option for such
beneficiary, subject to any right or interest the Bank may have in such
proceeds, as provided in this Agreement.

IV.      PREMIUM PAYMENT METHOD

The Bank shall pay an amount equal to the planned premiums and any other Premium
payments that might become necessary to keep the policy in force.

V.       TAXABLE BENEFIT

Annually the Insured will receive a taxable benefit equal to the assumed cost of
insurance as required by the Internal Revenue Service. The Bank (or its
administrator) will report to the Employee the amount of imputed income received
each year on Form W-2 or its equivalent.

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VI.      DIVISION OF DEATH PROCEEDS

Subject to Paragraph VII herein, the division of the death proceeds of the
policy is as follows:

A. The Insured's beneficiary(ies), designated in accordance with Paragraph III
shall be entitled to an amount equal to eighty percent (80%) of the net at risk
insurance portion of the proceeds. The net at risk insurance portion is the
total proceeds less the cash value of the policy.

B. The Bank shall be entitled to the remainder of such proceeds.

C. The Bank and the Insured (or assignees) shall share in any interest due on
the death proceeds on a pro rata basis as the proceeds due each respectively
bears to the total proceeds, excluding any such interest.

VII.     DIVISION OF THE CASH SURRENDER VALUE OF THE POLICY

The Bank shall at all times be entitled to an amount equal to the policy's cash
value, as that term is defined in the policy contract, less any policy loans and
unpaid interest or cash withdrawals previously incurred by the Bank and any
applicable surrender charges. Such cash value shall be determined as of the date
of surrender or death as the case may be.

VIII.    PREMIUM WAIVER

If the policy contains a premium waiver provision, such waived amounts shall be
considered for all purposes of this Agreement as having been paid by the Bank.

IX.      RIGHTS OF PARTIES WHERE POLICY ENDOWMENT OR ANNUITY ELECTION EXISTS

In the event the policy involves an endowment or annuity element, the Bank's
right and interest in any endowment proceeds or annuity benefits, or expiration
of the deferment period, shall be determined under the provisions of this
Agreement by regarding such endowment proceeds or the commuted value of such
annuity benefits as the policy's cash value. Such endowment proceeds or annuity
benefits shall be considered to be like death proceeds for the purposes of
division under this Agreement.

X.       TERMINATION OF AGREEMENT

This Agreement shall terminate at the option of the Bank following thirty (30)
days written notice to the Insured upon the happening of any one of the
following:

1.       The Insured shall be in violation of the terms and conditions of that
         certain Director Indexed Fee Continuation Plan Agreement dated the
         first day of January, 1996, or
2.       The Insured shall leave the service of the Bank (voluntarily or
         involuntarily) prior to attaining ten years of service on the board or
         age 65, or
3.       The Insured shall be discharged from service with the Bank for cause.
         The term "for cause" shall mean gross negligence or gross neglect or
         the commission of a felony or gross-misdemeanor involving moral
         turpitude, fraud, dishonesty or willful violation of any law that
         results in any adverse effect on the bank.

Upon such termination, the Insured (assignee) shall have a ninety (90) day
option to receive from the Bank an absolute assignment of the policy in
consideration of a cash payment to the Bank, whereupon this Agreement shall
terminate. Such cash payment shall be the greater of:

1.       The Bank's share of the cash value of the policy on the date of such
         assignment, as defined in this Agreement.
2.       The amount of the premiums which have been paid by the Bank prior to
         the date of such assignment.

Should the Insured (or assignee) fail to exercise this option within the
prescribed ninety (90) day period, the Insured (or assignee) agrees that all of
his rights, interest and claims in the policy shall terminate as of the date of
the termination of this Agreement.

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Except as provided above, this Agreement shall terminate upon distribution of
the death benefit proceeds in accordance with Paragraph VI above.

XI.      INSURED'S OR ASSIGNEE'S ASSIGNMENT RIGHTS

The Insured may not, without the written consent of the Bank, assign to any
individual trust or other organization, any right, title or interest in the
subject policy nor any rights, options, privileges or duties created under this
Agreement.

XII.     AGREEMENT BINDING UPON THE PARTI:ES

This Agreement shall bind the Insured and the Bank, their heirs, successors,
personal representatives and assigns.

XIII.    NAMED FIDUCIARY AND PLAN ADMINISTRATOR

Northside Bank of Tampa is hereby designated the "Named Fiduciary" until
resignation or removal by the board of directors. As Named Fiduciary, the bank
shall be responsible for the management, control, and administration of this
Split Dollar Plan as established herein. The Named Fiduciary may allocate to
others certain aspects of the management and operation responsibilities of the
plan, including the employment of advisors and the delegation of any ministerial
duties to qualified individuals.

XIV.     FUNDING POLICY

The funding policy for this Split DOIW Plan shall be to maintain the subject
policy in force by paying, when due, all premiums required.

XV.      CLAIM PROCEDURES FOR LIFE INSURANCE POLICY AND SPLIT DOLLAR PLAN

Claim forms or claim information as to the subject policy can be obtained by
contacting The Benefit Marketing Group, Inc. (770-952-1529). When the Named
fiduciary has a claim which may be covered under the provisions described in the
insurance policy, he should contact the office named above, and they will either
complete a claim form and for-ward it to an authorized representative of the
Insurer or advise the named Fiduciary what further requirements are necessary.
The Insurer will evaluate and make a decision as to payments If the claim is
payable, a benefit check will be issued to the Named Fiduciary.

In the event that a claim is not eligible under the policy, the Insurer will
notify the Named Fiduciary of the denial pursuant to the requirements under the
terms of the policy. If the Named Fiduciary is dissatisfied with the denial of
the claim and wishes to contest such claim denial, he should contact the office
named above and they will assist in making inquiry to the Insurer. All
objections to the Insurer's actions should be in writing and submitted to the
office named above for transmittal to the Insurer.

XVI.      GENDER

Whenever in this Agreement words are used in the masculine or neuter gender,
they shall be read and construe as in the masculine, feminine or neuter gender,
whenever they should so apply.

XVII.     INSURANCE COWANY NOT A PARTY TO THIS AGREEMENT

The Insurer shall not be deemed a parry to this Agreement, but will respect the
rights of the parties as herein developed upon receiving an executed copy of
this Agreement. Payment or other performance in accordance with the policy
provisions shall fully discharge the Insurer for any and all liability.

Executed at Tampa, Florida this first day of January, 1996.

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<PAGE>

                             NORTHSIDE BANK OF TAMPA

/s/ Elizabeth D. Cos                        By: Jose Vivero, President & CEO
----------------------------------              --------------------------------
Witness

/s/ Elizabeth D. Cos                        By: /s/ Johnny R. Adcock
-----------------------------------             --------------------------------
Witness                                             Johnny R. Adcock

                                       4
<PAGE>

                          BENEFICIARY DESIGNATION FORM

BENEFICIARY DESIGNATION:

         NAME                                          RELATIONSHIP

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CONTINGENT DESIGNATION.

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CONTINGENT DESIGNATION:

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Johnny R. Adcock                             Date

                                       5EXHIBIT 10.25

                     DIRECTOR INDEXED FEE CONTINUATION PLAN

                                    AGREEMENT

         This Agreement, made and entered into this first day of January, 1996,
by and between Northside Bank of Tampa a Bank organized and existing under the
laws of the State of Florida, hereinafter referred to as "the Bank", and Johnny
R. Adcock a Director of the Bank and the Director of the Bank, hereinafter
referred to as "the Director'".

         The Director is on the Board of the Bank and is faithfully serving the
Bank. It is the consensus of the Board of Directors of the Bank (The Board) that
the Director's services have been of exceptional merit in excess of the
compensation paid, and an invaluable contribution to the profits and position of
the Bank in its field of activity. 'Me Board further believes that the
Director's experience, knowledge of corporate affairs, reputation and industry
contacts are of such value and his continued services are so essential to the
Bank's future growth and profits that it would suffer severe financial loss
should the Director terminate his services on the Board.

         Accordingly, it is the desire of the Bank and the Director to enter
into this Agreement under which the Bank will agree to make certain payments to
the Director upon his retirement and, alternatively, to his beneficiary(ies) in
the event of his premature death while serving on the Board.

         It is the intent of the parties hereto that this Agreement be
considered an arrangement maintained primarily to provide supplemental
retirement benefits for the Director for purposes of the Employee Retirement
Security Act of 1974 (ERISA). The Director is fully advised of the Banks
financial status and has had substantial input in the design and operation of
this benefit plan.

         Therefore, in consideration of the Director's services performed in the
past and those to be performed in the future and based upon the mutual promises
and covenants herein contained, the Bank and the Director, agree as follows:

I.       DEFINITIONS

         A. EFFECTIVE DATE:

         The Effective Date of this Agreement shall be January 1, 1996.

<PAGE>

B.       PLAN YEAR:

         Any reference to "Plan Year' shall mean a calendar year from January I
         to December 31). In the year of implementation, the term 'Plan Year"
         shall mean the period from the effective date to December 31 of the
         year of the effective date.

C.       RETIREMENT DATE.

         Retirement Date shall mean retirement from service with the Bank which
         becomes effective on the first day of the calendar month following the
         month in which the Director reaches his sixty-fifth (65th) birthday or
         such date as the Director may actually retire.

D.       TERMINATION OF SERVICE:

         Termination of Service shall mean voluntary resignation of service by
         the Director or the Bank's discharge of the Director without cause (as
         defined in subparagraph IH (D) hereinafter], prior to the Normal
         Retirement Age [described in subparagraph I (J) hereinafter].

E.       PRE-RETIREMENT ACCOUNT:

         A Pre-Retirement Account shall be established as a liability reserve
         account on the books of the Bank for the benefit of the Director. Prior
         to termination of service or the Director's retirement, such liability
         reserve account shall be increased or decreased each Plan You
         (including the Plan Year in watch the Director ceases to be employed by
         the Bank) by an amount equal to the annual earnings or loss for that
         Plan Year determined by the Index [described in subparagraph I (G)
         hereinafter], less the Cost of Funds Expense for that Plan Year.
         [described in subparagraph I (H) hereinafter].

F.       INDEX RETIREMENT BENEFIT:

         The Index Retirement Benefit for the Director for any year shall be
         equal to the excess of the annual earnings (if any) determined by the
         Index [subparagraph I (G)] for that Plan Year over the Cost of Funds
         Expense [subparagraph I (H] for that Plan Year.

G.       INDEX:

         The Index for any Plan Year shall be the aggregate annual after-tax
         income from the life insurance contracts described hereinafter as
         defined by FASB

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<PAGE>

         Technical Bulletin 85-4, This Index shall be applied as if such
         insurance contracts were purchased on the effective date hereof

         Insurance Company:                     Canada Life Assurance Company
         Policy Form:                           Participating Whole Life

         Policy Name:                           CL/I
         Insured's Age and Sex:                 51, Male
         Riders:                                Paid Up Additions Rider
                                                Custom Term Rider

         Ratings:                               None
         Face Amount:                           $219,402
         Premiums Paid -.                       $15,000.00
         Number of Premium Payments:            Seven
         Assumed Purchase Date-                 May 1, 1996

         If such contracts of the insurance are actually purchased by the Bank
         then the actual policies as of the dates they were purchased shall be
         used in calculations under this Agreement. If such contracts of the
         insurance are not purchased or are subsequently surrendered or lapsed,
         then the Bank shall receive annual policy illustrations that assume the
         above described policies were purchased from the above named insurance
         company(ies) on the Effective Date from which the increase in policy
         value will be used to calculate the amount of the Index.

         In either case, references to the life insurance contract are merely
         for purposes of calculating a benefit. The Bank has no obligation to
         purchase such life 'Insurance and, if purchased, the Director and his
         beneficiary(ies) shall have no ownership interest in such policy and
         shall always have no greater interest in the benefits under this
         Agreement than that of an unsecured general creditor of the Bank,

H.       COST OF FUNDS EXPENSE

         The Cost of Funds Expense for any Plan Year shall be calculated by
         taking the sum of the amount of premiums set forth in the Indexed
         policies described above plus the amount of any after-tax benefits paid
         to the Director pursuant to this Agreement (Paragraph III hereinafter)
         plus the amount of all previous years after-tax Costs of Funds Expense,
         and multiplying that sum by the average after-tax cost of funds of the
         Bank's third quarter Call Report for the Plan Year as filed with the
         Federal Deposit Insurance Corporation.

                                       3
<PAGE>

I.       CHANGE OF CONTROL-.

         Change of control shall be deemed to be the cumulative transfer of more
         than fifty percent (50%) of the voting stock of the Bank or the Bank's
         holding company from the Effective Date of this Agreement. For the
         purposes of this Agreement, transfers on account of deaths or gifts,
         transfers between family members or transfers to a qualified retirement
         plan maintained by the Bank shall not be considered in determining
         whether there has been a change in control.

J.       NORMAL RETIREMENT AGE .

         Normal Retirement Age shall mean the date on which the Director attains
         age sixty-five (65).

II.      EMPLOYMENT

No provision of this Agreement shall be deemed to restrict or limit any existing
employment agreement by and between the Bank and the Director, nor shall any
conditions herein create specific employment rights to the Director nor limit
the right of the Employer to discharge the Director with or without cause. In a
similar fashion, no provision shall limit the Directors rights to voluntarily
sever his employment at any time,

III.     INDEX BENEFITS

The following benefits provided by the Bank to the Director are in the nature of
a fringe benefit and shall in no event be construed to effect nor limit the
Director's current or prospective fee increases, cash bonuses or profit-sharing
distributions or credits.

A.        RETIREMENT BENEFITS:

         The Director shall be entitled to receive the balance in his
         Pre-Retirement Account (as defined in subparagraph I (E)] in ten (10)
         equal annual installments commencing thirty (30) days following the
         Director's Normal Retirement Date, In addition to these payments,
         commencing with the Plan Year in which the Director attains his
         Retirement Date, the Index Retirement Benefit [as defined in
         subparagraph I (F) above] for each year shall be paid to the, Director
         until his death.

B.       TERMINATION OF SERVICE:

         Subject to subparagraph III (D) hereinafter, should the Director-
         suffer a termination of service after the earlier of attaining age
         sixty-five (65) or ten years of service on the Board [defined in
         subparagraph I (D)], he shall be entitled to receive one hundred
         percent (100%), times the balance in the

                                       4
<PAGE>

         Pre-Retirement Account paid over ten (10) years in equal installments
         commencing at the Retirement Date (subparagraph I (C)]. In addition to
         these payments, one hundred percent (100%) times full years of service
         with the Bank, times the Index Retirement Benefit for each year shall
         be paid to the Director until his death.

         Should the Director suffer a termination of service prior to the
         earlier of attaining age sixty-five (65) or ten years of service on the
         Board, no benefit shall be due under this Agreement and this Agreement
         shall terminate.

C.       DEATH

         Should the Director die prior to having received the full balance of
         the Pre- Retirement Account, the unpaid balance of the Pre-Retirement
         Account shall be paid in a lump sum to the beneficiary selected by the
         Director and filed with the Bank. In the absence of or a failure to
         designate a beneficiary, the unpaid balance shall be paid in a lump sum
         to the personal representative of the Director's estate. No other death
         benefit shall be payable under this Agreement.

D.       DISCHARGE FOR CAUSE:

         Should the Director be discharged for cause at any time prior to his
         Retirement Date, all Index Benefits under this Agreement [subparagraphs
         III (A), (B) or (C)] shall be forfeited. The term "for cause" shall
         mean gross negligence or gross neglect or the commission of a felony or
         gross-misdemeanor involving moral turpitude, fraud, dishonesty or
         willful violation of any law that results in any adverse effect on the
         Bank. If a dispute arises as to discharge "for cause", such dispute
         shall be resolved by arbitration as set forth in this Agreement.

IV.      RESTRICTIONS UPON FUNDING

The Bank shall have no obligation to set aside, earmark or entrust any fund or
money with which to pay its obligations under this Agreement. The Director, his
beneficiary(ies) or any successor in interest to him shall be and remain simply
a general creditor of the Bank in the same manner as any other creditor having a
general claim for matured and unpaid compensation.

The Bank reserves the absolute right at its sole discretion to either fund the
obligations undertaken by this Agreement or to refrain from funding the same and
to determine the exact nature and method of such funding. Should the Bank elect
to fund this Agreement, in whole or in part, through the purchase of life
insurance, mutual funds, disability policies or annuities, the Bank reserves the
absolute right, in its sole discretion, to terminate such funding at any time,
in whole or in part. At no time shall the Director be

                                       5
<PAGE>

deemed to have any lien or right, title or interest in or to any specific
funding investment or to any assets of the Bank.

If the Bank elects to invest in a life insurance, disability or annuity policy
upon the life of the Director, then the Director shall assist the Bank by freely
submitting to a physical exam and supplying such additional information
necessary to obtain such insurance or annuities.

V.       CHANGE OF CONTROL

Upon a Change of Control (as defined in subparagraph I (1) herein], the Director
shall receive the benefits promised in this Agreement upon attaining Normal
Retirement Age, as if he had continuously served on the Board of the Bank until
his Normal Retirement Age. The Director will also remain eligible for all
promised death benefits in this Agreement. In addition, no sale, merger or
consolidation of the Bank shall take place unless the new or surviving entity
expressly acknowledges the obligations under this Agreement and agrees to abide
by its terms.

VI       MISCELLANEOUS

A.       ALIENABILITV AND ASSIGNMENT PROHIBITION:

         Neither the Director, his/her surviving spouse nor any other
         beneficiary under this Agreement shall have any power or tight to
         transfer, assign, anticipate, hypothecate, mortgage, commute, modify or
         otherwise encumber in advance any of the benefits payable hereunder nor
         shall any of said benefits be subject to seizure for the payment of any
         debts, judgments, alimony or separate maintenance owed by the Director
         or his beneficiary, nor be transferable by operation of law in the
         event of bankruptcy, insolvency or otherwise, In the event the Director
         or any beneficiary attempts assignment, commutation, hypothecation,
         transfer or disposal of the benefits hereunder, the Bank's liabilities
         shall forthwith cease and terminate.

B.       BINDING OBLIGATION OF BANK AND ANY SUCCESSOR IN INTEREST:

         The Bank expressly agrees that it shall not merge or consolidate into
         or with another bank or sell substantially all of its assets to another
         bank, firm or person until such bank, firm or person expressly agrees,
         in writing, TO assume and discharge the duties and obligations of the
         Bank under this Agreement. This Agreement shall be binding upon the
         parties hereto, their successors, beneficiary(ies), heirs and personal
         representatives.

C.       REVOCATION-

         It is agreed by and between the parties hereto that, during the
         lifetime of the Director, this Agreement may be amended or revoked at
         any time or

                                       6
<PAGE>

         times, in whole or in part by the mutual written assent of the Director
         and the Bank.

D.       GENDER:

         Whenever in this Agreement words are used in the masculine or neuter
         gender, they shalI be read and construed as in the masculine, &
         feminine or neuter gender, whenever they should so apply.

E.       EFFECT ON OTHER BANK BENEFIT PLANS:

         Nothing contained in this Agreement shall affect the right of the
         Director to participate in or be covered by any qualified or
         non-qualified pension, profit-sharing, group, bonus or other
         supplemental compensation or fringe benefit plan constituting a part of
         the Bank's existing or future compensation structure.

F.       HEADINGS:

         Headings and subheadings in this Agreement are inserted for reference
         and convenience only and shall not be deemed a part of this Agreement.

G.       APPLICABLE LAW:

         The validity and interpretation of this Agreement shall be governed by
the laws of the State of Florida.

VII.     ERISA PROVISION

A.       NAMED FIDUCIARY AND PLAN ADMINISTRATOR:

         The "Named Fiduciary and Plan Administrator" of this plan shall be
         Northside Bank of Tampa until its removal by the Board. As Named
         Fiduciary and Administrator, the Bank shall be responsible for the
         management, control and administration of the Fee Continuation
         Agreement as established herein. The Named Fiduciary may delegate to
         others certain aspects of the management and operation responsibilities
         of the plan including the employment of advisors and the delegation of
         ministerial duties to qualified individuals.

B.       CLAIMS PROCEDURE AND ARBITRATION:

         In the event a dispute arises over benefits under this Agreement and
         benefits are not paid to the Director (or to his beneficiary in the
         case of the Director's death) and such claimants feel they are entitled
         to receive such benefits, then a written claim must be made to the Plan

                                       7
<PAGE>

         Administrator named above within ninety (90) days from the date
         payments are refused. The Plan Administrator shall review the written
         claim and if the claim is denied, in whole or in part, they shall
         provide in writing within ninety (90) days of receipt of such claim
         their specific reasons for such denial, reference to the provisions of
         this Agreement upon which the denial is based and any additional
         material or information necessary to perfect the claim. Such written
         notice shall further indicate the additional steps to be taken by
         claimants if a further review of the claim denial is desired. A claim
         shall be deemed denied if the Plan Administrator fails to take any
         action within the aforesaid ninety-day period,

         If claimants desire a second review they shall notify the Plan
         Administrator in writing within ninety (90) days of the first claim
         denial. Claimants may review this Agreement or any documents relating
         thereto and submit any written issues and comments they may feet
         appropriate. In its sole discretion, the Plan Administrator shall then
         review the second claim and provide a written decision within ninety
         (90) days of receipt of such claim. This decision shall likewise state
         the specific reasons for the decision and shall include reference to
         specific provisions of this Agreement upon which the decision is based.

         If claimants continue to dispute the benefit denial based upon
         completed performance of this Agreement or the meaning, and effect of
         the terms and conditions thereof, then claimants may submit the dispute
         to a Board of Arbitration for final arbitration. Said Board shall
         consist of one member selected by the claimant, one member selected by
         the Bank, and the third member selected by the first two members. The
         Board shall operate under any generally recognized set of arbitration
         rules. The parties hereto agree that they and their heirs, personal
         representatives, successors and assigns shall be bound by the decision
         of such Board with respect to any controversy properly submitted to it
         for determination.

         Where a dispute arises as to the Bank's discharge of the Director "for
         cause", such dispute shall likewise be submitted to arbitration as
         above described and the parties hereto agree to be bound by the
         decision thereunder.

                                       8
<PAGE>

         IN WITNESS WHEREOF, the parties hereto acknowledge that each has
carefully read this Agreement and executed the original thereof on the first day
of January, 1996 and that, upon execution, each has received a conforming copy.

                                            NORTHSIDE BANK OF TAMPA

         /s/ Elizabeth D. Cos               By: /s/ Jose Vivero, President & CEO
-----------------------------------            ---------------------------------
Witness                                                                    Title

         /s/ Elizabeth D. Cos               By: /s/ Johnny R. Adcock
-----------------------------------            ---------------------------------
Witness                                             Johnny R. Adcock

                                       9

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