Document:

<PAGE>   1
                                                                   EXHIBIT 10.23

                       FIRST AMENDMENT TO LEASE AGREEMENT

                              THE BANK OF NASHVILLE
                                   L & C TOWER
                              NASHVILLE, TENNESSEE
                                 APRIL 13, 1999

         This First Amendment to the Lease Agreement ("First Amendment") dated
and effective this 13th day of April, 1999 by and between The Bank of Nashville
("Tenant") and LC Tower, LLC, successor in interest to Metropolitan Life
Insurance Company ("Landlord") is hereby made a part thereof of the Lease
Agreement dated July 19, 1989 as previously amended by the Letter Agreement
dated March 29, 1993 ("Lease") by and between Landlord and Tenant.

         WHEREAS, Landlord and Tenant entered into the Lease for certain
premises located on the second and third floor and basement consisting of
approximately 15,296 Square Feet Net Rentable Areas ("Premises") in the building
commonly known as the L&C Tower located at 401 Church Street, Nashville,
Tennessee 37219 ("Building"); and

         WHEREAS, Tenant desires to expand its Premises on the third floor and
twenty-third floor in the Building; and

         WHEREAS, Tenant desires to amend and extend its Lease Term for the
period September 1, 1999 through August 31, 2009; and

         WHEREAS, Landlord is willing to amend and extend the Lease under
certain terms and conditions. Unless specifically defined herein, the terms used
in the First Amendment to Lease will have the meanings defined in the Lease.

         NOW, THEREFORE, in consideration of the foregoing and the mutual
promises and covenants contained herein, and for other mutual benefits as noted
herein, the receipt and sufficiency, LC Tower, LLC, as Landlord and The Bank of
Nashville, as Tenant wish to amend said Lease as follows:

 1.      The second paragraph of Article 1. LEASED PREMISES of the Lease is
         amended effective September 1, 1999 by deleting the existing language
         in its entirety and replacing with the following:

               Space on the Lower, Second, Third, and Twenty-third floor levels
               of the Building indicated as being part of the Leased Premises on
               the Floor Plans attached hereto as Exhibit A, which shall be
               deemed to contain a total of 21,536 square feet of Net Rentable
               Area (SF NRA) consisting of 6,865 SF NRA on the Second Floor
               ("Second Floor Premises"), 6,768 SF NRA on the Third Floor
               ("Third Floor Premises"), 3,713 SF NRA on the Lower
               Level/Basement ("Basement Premises") and effective November 1,
               1999

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First Amendment to Lease
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               on the twenty-third floor 4,190 SF NRA ("Twenty-third Floor
               Premises"). The Second Floor Premises, Third Floor Premises and
               Twenty-third Floor Premises shall collectively be referred to as
               "Tower Premises". The Tower Premises and Basement Premises shall
               collectively be referred to as "Premises" or "Leased Premises".

2.       Article 2. TERM, of the Lease is amended and extended as follows:

               TERM. Beginning September 1, 1999, this Lease shall be extended
               for an additional term of ten (10) years, commencing on the 1st
               day of September, 1999 and ending on the 31st day of August, 2009
               for the Basement Premises, Second Floor Premises and Third Floor
               Premises (hereinafter sometimes referred to as the "Leased Term"
               or "Term"), unless sooner terminated or extended as provided
               herein. The Twenty-third Floor Premises shall be for the term of
               nine (9) years ten (10) months, commencing on the 1st day of
               November, 1999 and ending on the 31st day of August, 2009, unless
               sooner terminated or extended as provided herein.

               If the Landlord is unable to give possession of the Twenty-third
               Floor Premises on the date of the commencement of the aforesaid
               Lease Term by reason of holding over of any prior tenant or
               tenants or for any other reasons, an abatement or diminution of
               the rent to be paid hereunder shall be allowed Tenant under such
               circumstances until possession is given to Tenant, but nothing
               herein shall operate to extend the initial Term of the Lease
               beyond the agreed expiration date, and said abatement in rent
               shall be the full extent of Landlord's liability to Tenant for
               any loss or damage to Tenant on account of said delay in
               obtaining possession of the Twenty-third Floor Premises.

3.       Article 38. TEMPORARY RELOCATION OF TENANT, of the Lease is deleted in
         its entirety.

4.       Article 45. BROKERAGE, of the Lease is deleted in its entirety and
         replaced with the following:

               Tenant represents and warrants that it has dealt with no broker,
               agent or other person in connection with this transaction and
               that no broker, agent or other person brought about this
               transaction, other than First Management Services, Inc., and
               Grubb & Ellis / Centennial, Inc., and Tenant agrees to indemnify
               and hold Landlord harmless from and against any claims by any
               other broker, agent or other person claiming a commission or
               other form of compensation by virtue of having dealt with Tenant
               with regard to this leasing transaction. The provision of this
               paragraph shall survive the termination of this Lease.

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First Amendment to Lease
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5.       Article 48. ENVIRONMENTAL HAZARDS, of the Lease is deleted in its
         entirety.

6.       Appendix A THE PREMISES of the Lease is amended effective
         September 1, 1999 by deleting the existing language and replacing with
         the following (see attached floor plans):

               Basement Floor Premises of the L&C Tower
                    3,713 SF NRA
                    3% common area factor included

               Second Floor Premises of the L&C Tower
                    6,865 SF NRA
                    3% common area factor included

               Third Floor Premises of the L&C Tower
                    6,768 SF NRA
                    3% common area factor included

               Twenty-third Floor Premises of the L&C Tower
                    4,190 SF NRA
                    12.5% common area factor included

7.       Appendix B-1 RATE SCHEDULE of the Lease is amended to provide for the
         base rent beginning September 1, 1999:

<TABLE>
<CAPTION>
                                            2nd Floor       3rd Floor       23rd Floor      Basement
                                             Premises        Premises        Premises       Premises
                                            ---------       ---------       ----------      --------
         <S>                      <C>       <C>             <C>             <C>             <C>
         09/01/99 - 08/31/00      Yr 1      $17.40/RSF      $15.00/RSF      $13.50/RSF*     $7.00/RSF
         09/01/00 - 08/31/01      Yr 2      $17.75/RSF      $15.30/RSF      $13.77/RSF      $7.00/RSF
         09/01/01 - 08/31/02      Yr 3      $18.10/RSF      $15.61/RSF      $14.05/RSF      $7.00/RSF
         09/01/02 - 08/31/03      Yr 4      $18.47/RSF      $15.92/RSF      $14.33/RSF      $7.00/RSF
         09/01/03 - 08/31/04      Yr 5      $18.83/RSF      $16.24/RSF      $14.61/RSF      $7.00/RSF
         09/01/04 - 08/31/05      Yr 6      $19.21/RSF      $16.56/RSF      $14.91/RSF      $7.00/RSF
         09/01/05 - 08/31/06      Yr 7      $19.60/RSF      $16.89/RSF      $15.20/RSF      $7.00/RSF
         09/01/06 - 08/31/07      Yr 8      $19.99/RSF      $17.23/RSF      $15.51/RSF      $7.00/RSF
         09/01/07 - 08/31/08      Yr 9      $20.39/RSF      $17.57/RSF      $15.82/RSF      $7.00/RSF
         09/01/08 - 08/31/09      Yr 10     $20.79/RSF      $17.93/RSF      $16.13/RSF      $7.00/RSF
</TABLE>

         *The Twenty-third Floor Premises' rent commencing, November 1, 1999
         shall increase to the next Lease Year's rate on September 1 of each
         subsequent Lease Year.

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First Amendment to Lease
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8.       Appendix B-2 OPTION SPACE of the Lease is amended effective September
         1, 1999 by deleting the existing language and replacing with the
         following FIRST RIGHT OF OPTION (AVAILABILITY) FOR FOURTH FLOOR
         PREMISES:

                    Tenant shall have a one-time First Right of Option for the
                    Fourth Floor Tower (6,768 RSF) should the existing tenant as
                    of this lease amendment signing (State of Tennessee) choose
                    not to renew ("Option Space"). Upon the State of Tennessee's
                    notice of non-renewal, Landlord shall first offer to Tenant
                    the right to lease the Option Space at the then current rate
                    for the Twenty-third Floor Premises. Tenant shall have
                    twenty (20) business days after receipt of written notice of
                    the availability within which to notify Landlord (a) if it
                    will lease the Option Space at the then current rates for
                    the Twenty-third Floor Premises, and (b) if Tenant exercises
                    its option to take the Option Space, whether it will give
                    back the Twenty-third Floor Premises. If Tenant exercises
                    its option to take the Option Space, Tenant shall occupy the
                    Option Space within forty-five (45) days after the State of
                    Tennessee vacates the fourth floor. If Tenant exercises its
                    option to give back the Twenty-third Floor Premises, Tenant
                    shall vacate the Twenty-third Floor Premises and return it
                    to Landlord in "broom clean" condition upon occupying the
                    Option Space. Landlord and Tenant agree that Tenant shall be
                    responsible for all relocation costs and all tenant
                    improvement costs to the Option Space; Tenant shall accept
                    the Option Space in "as-is" condition. No written response
                    from Tenant within twenty (20) business days after receipt
                    of written notice of the availability shall be deemed to
                    mean that Tenant has waived its First Right of Option and
                    Tenant shall keep the Twenty-third Floor Premises and not
                    take the Fourth Floor Option Space.

9.       Appendix C OPTIONS of the Lease is amended effective September 1, 1999
         by deleting the existing language for Option to Extend, Option to
         Expand, Right of First Refusal, and Basement Vault and Anteroom in its
         entirety and replacing with the following OPTION TO RENEW:

                    Provided Tenant is not in default, Tenant shall have the
                    right to three (3) five-year renewal options at a rate which
                    shall be mutually determined by Landlord and Tenant as
                    follows: If Tenant desires to exercise its Option to Renew,
                    it shall notify Landlord no later than twelve (12) months
                    prior to the expiration of the then current Term. Within one
                    (1) month after such notification, Landlord shall notify
                    Tenant of its determination of the current rate, which will
                    include the Base Rent. If Tenant agrees with such
                    determination, it shall so notify Landlord. If Tenant does
                    not agree, then during the thirty (30) day period following
                    Landlord's notice to Tenant of the rate, Landlord and Tenant
                    shall negotiate to determine a mutually acceptable rate. If
                    such parties are unable to reach agreement as to such rate
                    within said thirty (30) day period, this renewal option will
                    be of no

                                      -85-
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First Amendment to Lease
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------------------------

                    force or effect and the Lease will terminate. If the parties
                    do reach agreement as to such rate within said period, then
                    the Term shall be extended for the appropriate period, upon
                    the same terms and conditions set forth in the Lease, except
                    that the Base Rent shall be as mutually determined and
                    except that there shall be no Tenant Improvement Allowance
                    (unless such items are agreed to by Landlord and Tenant).

10.      Appendix E ANYTIME TELLER MACHINE AND NIGHT DEPOSITORY of the Lease is
         amended effective September 1, 1999 by deleting the existing language
         in its entirety and replacing with the following:

                    Tenant shall keep its anytime teller machine and night
                    depository ("ATM") at its current location of the Building
                    as noted on the attached first floor plan "Appendix E".
                    There shall be no rental cost. The ATM shall remain the sole
                    property of the Tenant and shall be removed by Tenant at the
                    expiration of the term of this Lease, with the building's
                    interior and exterior being restored to its condition
                    existing prior to the installation of the ATM at Tenant's
                    cost.

11.      Appendix G BASEMENT STORAGE of the Lease is amended effective September
         1, 1999 by deleting the existing language in its entirety and replacing
         with the following:

                    BASEMENT STORAGE. Landlord will provide, at no cost to
                    Tenant, space in the basement for storing paper as required
                    by regulation. That space is designated as Appendix "G".

12.      Appendix H DAMAGES of the Lease is deleted in its entirety.

13.      Appendix I LOADING DOCK SECURITY of the Lease is deleted in its
         entirety.

14.      Appendix J (SPACE PLANNING) of the Lease is deleted in its entirety.

15.      Appendix K (POTENTIAL CONTRACTORS) of the Lease is deleted in its
         entirety.

16.      Appendix L (BLANK) of the Lease is deleted in its entirety.

17.      Exhibit A of the Lease is amended effective September 1, 1999 by
         replacing the existing floor plans with the attached floor plans
         initialed by both parties for the Basement Premises, Second Floor
         Premises, Third Floor Premises and Twenty-third Floor Premises.

18.      Landlord shall renovate Third Floor Premises Restrooms to a finish
         standard comparable to restrooms on the floors occupied by the State
         of Tennessee, to

                                      -86-
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First Amendment to Lease
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------------------------

          include new sinks, counters, mirrors, water closets, urinals, floor
          tile, ceramic tile and paint grade finish on walls.

19.       Exhibit B of the Lease and referenced meeting notes from the original
          construction are amended effective September 1, 1999 by deleting the
          existing language in its entirety and replacing with the following
          Work Letter:

              WORK LETTER.

              A. Initial Plan. Tenant will perform certain leasehold improvement
          work in the Tower Premises in substantial accordance with the plans to
          be prepared by Infrastructure, Inc. (collectively "Initial Plan"), a
          copy of which shall be attached as Schedule 1. Such work, as shown in
          the Initial Plan and as more fully detailed in the Working Drawings
          (as defined and described in Paragraph B below), shall be hereinafter
          referred to as the "Work". All plans, drawings, specifications and
          other details describing the Work which have been or are hereafter
          furnished by or on behalf of Tenant shall be subject to Landlord's
          approval, which Landlord agrees shall not be unreasonably withheld,
          delayed or conditioned. Landlord shall not be deemed to have acted
          unreasonably if it withholds its approval of any plans,
          specifications, drawings, or other details or of any Additional Work
          (as defined in Paragraph E below) because, in Landlord's reasonable
          opinion, the Work, as described in any such item, or the Additional
          Work, as the case may be: (a) is likely to adversely affect the
          Building systems, the structure of the Building or the safety of the
          Building and/or its occupants; (b) might impair Landlord's ability to
          furnish services to Tenant or other tenants in the building; (c) would
          increase the cost of operating the building; (d) would violate any
          governmental laws, rules or ordinances (or interpretations thereof);
          (e) contains or uses hazardous or toxic materials or substances; (f)
          would adversely affect the appearance of the building; (g) might
          adversely affect another tenant's premises; (h) is prohibited by any
          ground lease affecting the Building or any mortgage, trust deed or
          other instrument encumbering the Building; or (i) is likely to be
          substantially delayed because of unavailability or shortage of labor
          or materials necessary to perform such work or the difficulties or
          unusual nature of such work. The foregoing reasons, however, shall not
          be the only reasons for which Landlord may withhold its approval,
          whether or not such other reasons are similar or dissimilar to the
          foregoing. Neither the approval by Landlord of the Work or the Initial
          Plan or any other plans, drawings, specifications or other items
          associated with the Work nor Landlord's monitoring of the Work shall
          constitute any warranty by Landlord to Tenant of the adequacy of the
          design for Tenant's intended use of the Premises.

              B. Working Drawings; performance of the Work.

                 (1) If not included as part of the Initial Plan attached
          hereto, Tenant shall prepare or cause to be prepared final working
          drawings and

                                      -87-
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The Bank of Nashville
First Amendment to Lease
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------------------------

          specifications for the Work (the "Working Drawings") based on and
          consistent with the Initial Plan and the other plans, drawings,
          specifications, finish details and other information furnished by
          Tenant to Landlord and approved by Landlord pursuant to Paragraph A
          above. The Working Drawings shall incorporate final mechanical,
          electrical and plumbing plans, and shall include a final telephone
          layout and special electrical connections, if any. So long as the
          Working Drawings are consistent with the Initial Plan, Landlord shall
          approve the Working Drawings within five (5) days after receipt of
          same from Tenant by initialing and returning to Tenant each sheet of
          the Working Drawings or by executing Landlord's approval form then in
          use, whichever method of approval Landlord may designate.

                 (2) The parties acknowledge that Landlord is not an architect
          or engineer, and that the Work will be designed and performed by
          independent architects, engineers and contractors, selected by Tenant,
          subject to Landlord's prior written approval. Accordingly, Landlord
          shall have no liability to Tenant under the Lease for any errors or
          omissions in the Initial Plan and the Working Drawings and for any
          defects in the Work. In the event of such errors, omissions, or
          defects, Landlord shall cooperate in any action Tenant desires to
          bring any architects, engineers or contractors.

                 (3) Upon Landlord's approval, Tenant shall promptly commence
          with the construction of the Work and thereafter diligently prosecute
          the same to completion. All Work shall be in full compliance with the
          Americans with Disabilities Act and with any and all applicable local
          building codes and regulations. Except as may be otherwise provided in
          the Initial Plan or Working Drawings, the Work will be performed using
          materials, quantities and procedures which are then generally in use
          by Landlord as building standards, or better.

                 (4) Notwithstanding any other provision of this Work Letter,
          Landlord and Tenant agree as follows:

                     (a) Tenant's contractors must perform in such a manner as
               to not cause or permit to be caused a material default or breach
               of any term, condition, rule or regulation of the Lease or this
               Work Letter by Tenant.

                     (b) Tenant and Tenant's contractors shall maintain at all
               times during the construction for the Work and for the benefit of
               Landlord, its officers and employees, such insurance as Landlord
               may reasonably require, including, without limitation, such
               hazard, builder's risk, worker's compensation and other similar
               insurance as is required under the laws of the State of Tennessee
               or any political subdivision thereof.

                     (c) Tenant shall deliver or cause to be delivered to
               Landlord prior to the commencement of construction of any of the

                                      -88-
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The Bank of Nashville
First Amendment to Lease
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------------------------

               Work, (i) certificates of such insurance as is required hereunder
               and such certificates shall name Landlord as an additional
               insured and contain provisions that the policies shall not be
               cancelled without thirty (30) days prior written notice to
               Landlord: (ii) evidence that any and all governmental permits and
               licenses required for the construction of the Work have been duly
               secured and remain in full force and effect; and (iii) such other
               similar assurances which Landlord may reasonably require from
               time to time.

                     (d) To the extent that Tenant pays directly, or causes to
               be paid, any contractors, supplier or materialmen, Landlord may
               from time to time require from evidence of payment to all such
               parties during the course of construction of the Work and at the
               completion, Tenant shall deliver to Landlord a waiver of or
               release of liens signed by all contractors, suppliers, or
               materialmen.

               (5) During the construction period, Landlord shall have the
          right, but not the obligation to inspect the Premises, and all
          improvements made to the Premises comprising the Work to reasonably
          determine whether the Work is satisfactory. If any Work does not
          comply with the Working Drawings, Landlord shall, within twenty-four
          (24) hours of Landlord's inspection, notify Tenant in writing of such
          noncompliance, including the specifics thereof, whereupon Landlord may
          require non-complying portions of the Work to be removed and
          reconstructed to so comply. No such inspection by Landlord, or failure
          to inspect by Landlord, shall make Landlord liable in any manner to
          Tenant under the Lease for any defects, errors or omissions in
          connection with the Work or any errors or omissions in the Initial
          Plan or Working Drawings.

          C. Landlord's Contribution. "Cost of the Work" means all costs and
          expenses of the Work, including, without limitation, (i) the cost of
          the Initial Plan and Working Drawings, (ii) the cost of all labor
          (including overtime) and materials constituting the Work, (iii)
          general conditions (including rubbish removal, hoisting permits,
          temporary facilities, safety and protection, cleaning, tools,
          blueprints and reproduction, telephone, temporary power, field
          supervision and the like); (iv) the cost of premiums for worker's
          compensation, public liability, casualty and other insurance charged
          by contractors; (v) contractors' charges for overhead and fees; and
          (vi) architectural and engineering fees.

                 (1) Provided that Tenant has satisfied the requirements set
          forth above and below and is not in default under the Lease or the
          Workletter, Landlord shall make a contribution, on the terms
          hereinafter set forth, equal to One Hundred Forty-two Thousand Five
          Hundred Eighty-four and no/100

                                      -89-
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The Bank of Nashville
First Amendment to Lease
Page 9
------------------------

          Dollars ($142,584.00) (based upon $8.00 per square foot of rentable
          area of the Tower Premises (the "Landlord's Contribution")) toward the
          Cost of the Work under the Workletter. Subject to the limitations
          hereinafter set forth, Landlord's contribution shall also be applied
          towards Tenant's cost for architectural design and mechanical
          drawings. Landlord shall not be liable for more than the Landlord's
          Contribution. Any amount of the tenant allowance not utilized by the
          Tenant in the improvement of the Tower Premises shall be applied to
          base rent. There shall be no tenant improvement allowance for the
          Basement Premises.

                 (2) Landlord shall make periodic progress payments (usually
          monthly) of the Landlord's Contribution toward the Cost of the Work as
          work progresses under the Workletter, within thirty (30) days after
          presentation by Tenant to Landlord of invoices for the Cost of the
          Work and duly executed waivers of liens from all contractors,
          subcontractors and materialmen furnishing labor, equipment or
          materials for the performance of the Work.

                 (3) After payment of any amounts toward the Cost of the Work
          under the Workletter, Landlord may pay the Landlord's Contribution to
          Tenant, or Landlord may, in its discretion, make or cause to be made
          (through the construction escrow or otherwise) payment directly to
          Tenant's contractors or vendors or jointly with Tenant, in progress
          payments as described above. Landlord may use the Landlord's
          Contribution to reimburse or pay itself amounts owed by Tenant
          pursuant to the provisions of the Workletter.

                 (4) Notwithstanding any other provision of this Lease, the
          payment of the Landlord's Contribution shall be subject to Landlord's
          right to set-off.

          D. Lease Provisions. The terms and provisions of the Lease, insofar as
          they are applicable to this Workletter, are hereby incorporated herein
          by reference.

          E. Miscellaneous.

                 (1) Except as herein expressly set forth in the Work Letter or
          in the Lease, Landlord has no agreement with Tenant and has no
          obligation to do any other work with respect to the Premises. Any
          additional work or alterations to the Premises desired by Tenant after
          the Commencement Date shall be subject to the provisions of the Lease.
          This Work Letter sets forth the entire agreement of Tenant and
          Landlord regarding the Work.

                 (2) If final working drawings and specifications are included
          as part of the Initial Plan attached hereto, then whenever the term
          "Working Drawings" is used in this Agreement such term shall be deemed
          to refer to

                                      -90-
<PAGE>   10

The Bank of Nashville
First Amendment to Lease
Page 10
------------------------

          the Initial Plan and all supplemental plans and specifications
          approved by Landlord.

                 (3) If the Initial Plan or Working Drawings for the Work
          require the construction and installation of more fire hose cabinets,
          telephone closets, or electrical closets than the number regularly
          provided Landlord in the core of the Building, then Tenant will pay to
          Landlord all costs and expenses incurred by Landlord for the
          construction and installation of such additional fire hose cabinets,
          telephone closets, or electrical closets.

                 (4) Landlord or Landlord's beneficiary is entitled to all
          available investment tax credits, if any, for Work paid for and
          property acquired by Landlord pursuant to the Lease and this Work
          Letter. Nothing in the Lease or this Work Letter shall be construed as
          agreement by Landlord to pass any investment tax credits through to
          Tenant.

                 (5) Time is of the essence of this Work Letter.

                 (6) Tenant's failure to pay when due any amounts owed by Tenant
          under this Work Letter, or Tenant's failure to perform any other
          obligation of Tenant under this Work Letter, will constitute a default
          by Tenant under the Lease, and Landlord will have all the rights and
          remedies granted to Landlord under the Lease for failure by Tenant to
          perform its obligations under the Lease. Landlord's failure to pay
          when due any amounts owed by Landlord under this Work Letter, or
          Landlord's failure to perform any other obligation of Landlord under
          this Work Letter, will constitute a default by Landlord under the
          Lease, and Tenant will have all the rights and remedies granted to
          Tenant under the Lease for failure by Landlord to perform its
          obligations under the Lease.

                 (7) All words and phrases in this Work Letter have the same
          meanings given to them in the Lease, unless otherwise specifically
          stated in this Work Letter.

                 (8) All representations, warranties, covenants, and conditions
          contained in this Work Letter shall survive the completion of the Work
          and the payment by Landlord of the Cost of Work and Landlord's
          Contribution.

All other terms and conditions in the Lease dated July 19, 1989 and the Letter
Agreement dated March 29, 1993 not amended by this First Amendment shall remain
in full force and effect and shall apply to the Premises.

                                      -91-
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The Bank of Nashville
First Amendment to Lease
Page 11
------------------------

IN WITNESS WHEREOF, the parties hereto, have executed this Agreement in
triplicate on the date and year first above written.

WITNESS:                                   LANDLORD:

                                           LC TOWER, L.L.C.
                                           a Delaware limited liability company
                                           By: PERIDOT, INC. MANAGER

 /s/ Marija Tatic                          By: /s/ Craig Caffareili, V.P.
---------------------------                    ---------------------------------

WITNESS:                                   TENANT:

                                           THE BANK OF NASHVILLE

 /s/ Anne J. Cheatham                      By: /s/ Mack S. Linebaugh, Jr.
---------------------------                    ---------------------------------
                                                Mack S. Linebaugh, Jr.
                                                Chairman and President

                                      -92-
<PAGE>   12
                                 EXHIBIT "A-1"

Design Collective Incorporated
--------------------------------------------------------------------------------
consultants for architecture, interiors and graphic design.

                                                      A National Design Alliance
                                                      Nashville, TN
                                                      Columbus, OH
                                                      Cleveland, OH

                                 (Floor Plans)

                                                 BANK OF NASHVILLE     3605 S.F.
                                                 -------------------------------
                                                      GROSS USABLE     3605 S.F.

BASEMENT LEVEL
L & C Tower                                            First Management Services
--------------------------------------------------------------------------------
MARCH 1993                                                          NOT TO SCALE

                                      -93-
<PAGE>   13
                                 EXHIBIT "A-2"

Design Collective Incorporated
--------------------------------------------------------------------------------
consultants for architecture, interiors and graphic design.

                                                      A National Design Alliance
                                                      Nashville, TN
                                                      Columbus, OH
                                                      Cleveland, OH

                                 (Floor Plans)

                                                 BANK OF NASHVILLE     6665 S.F.
                                                 -------------------------------
                                                      GROSS USABLE     6665 S.F.

2nd FLOOR
L & C Tower                                            First Management Services
--------------------------------------------------------------------------------
MARCH 1993                                                          NOT TO SCALE

                                      -94-
<PAGE>   14
                                 EXHIBIT "A-3"

Design Collective Incorporated
--------------------------------------------------------------------------------
consultants for architecture, interiors and graphic design.

                                                      A National Design Alliance
                                                      Nashville, TN
                                                      Columbus, OH
                                                      Cleveland, OH

                                 (Floor Plans)

                                                 BANK OF NASHVILLE     4643 S.F.
                                                         EXPANSION     1928 S.F.
                                                 -------------------------------
                                                      GROSS USABLE     6571 S.F.

3rd FLOOR
L & C Tower                                            First Management Services
--------------------------------------------------------------------------------
MARCH 1993                                                          NOT TO SCALE

                                      -95-
<PAGE>   15
                                 EXHIBIT "A-4"

Design Collective Incorporated
--------------------------------------------------------------------------------
L & C Tower                                       consultants for space planning
Nashville, TN                                     and interior design
DCI NO. 93508.00

                                 (Floor Plans)

23RD FLOOR PLAN                                        First Management Services
Building Stacking Plan

                                      -96-
<PAGE>   16
                                 APPENDIX "A-1"

Design Collective Interiors
--------------------------------------------------------------------------------
consultants for architecture, interiors and graphic design.

                                                      A National Design Alliance
                                                      Nashville, TN
                                                      Columbus, OH
                                                      Cleveland, OH

                                 (Floor Plans)

                                                 BANK OF NASHVILLE     3605 S.F.
                                                 -------------------------------
                                                      GROSS USABLE     3605 S.F.

BASEMENT LEVEL
L & C Tower                                            First Management Services
--------------------------------------------------------------------------------
MARCH 1993                                                          NOT TO SCALE

                                      -97-
<PAGE>   17
                                 APPENDIX "A-2"

Design Collective Incorporated
--------------------------------------------------------------------------------
consultants for architecture, interiors and graphic design.

                                                      A National Design Alliance
                                                      Nashville, TN
                                                      Columbus, OH
                                                      Cleveland, OH

                                 (Floor Plans)

                                                 BANK OF NASHVILLE     6665 S.F.
                                                 -------------------------------
                                                      GROSS USABLE     6665 S.F.

2nd FLOOR
L & C Tower                                            First Management Services
--------------------------------------------------------------------------------
MARCH 1993                                                          NOT TO SCALE

                                      -98-
<PAGE>   18
                                 APPENDIX "A-3"

Design Collective Incorporated
--------------------------------------------------------------------------------
consultants for architecture, interiors and graphic design.

                                                      A National Design Alliance
                                                      Nashville, TN
                                                      Columbus, OH
                                                      Cleveland, OH

                                 (Floor Plans)

                                                 BANK OF NASHVILLE     4643 S.F.
                                                         EXPANSION     1928 S.F.
                                                 -------------------------------
                                                      GROSS USABLE     6571 S.F.

3rd FLOOR
L & C Tower                                            First Management Services
--------------------------------------------------------------------------------
MARCH 1993                                                          NOT TO SCALE

                                      -99-
<PAGE>   19
                                 APPENDIX "A-4"

Design Collective Interiors
--------------------------------------------------------------------------------
L & C Tower                                       consultants for space planning
Nashville, TN                                     and interior design
DCI NO. 93508.00

                                 (Floor Plans)

23RD FLOOR PLAN                                        First Management Services
Building Stacking Plan

                                     -100-
<PAGE>   20
                                  APPENDIX "G"

Design Collective Incorporated
--------------------------------------------------------------------------------
consultants for architecture, interiors and graphic design.

                                                      A National Design Alliance
                                                      Nashville, TN
                                                      Columbus, OH
                                                      Cleveland, OH

                    Storage for Storing Paper

                                 (Floor Plans)

                                                 BANK OF NASHVILLE     3605 S.F.
                                                 -------------------------------
                                                      GROSS USABLE     3605 S.F.

BASEMENT LEVEL
L & C Tower                                            First Management Services
--------------------------------------------------------------------------------
MARCH 1993                                                          NOT TO SCALE

                                     -101-<PAGE>   1
                                                                   Exhibit 10.18

                                PROMISSORY NOTE

$50,000                                                            JULY 22, 1999

     CLEVE B. SHULTZ (hereinafter referred to as "Maker"), for value received,
hereby promises to pay to the order of TOWNE SERVICES, INC., a Georgia
corporation (hereinafter referred to as "Payee"), the aggregate principal sum of
fifty thousand ($50,000) on July 31, 2002, together with interest on the unpaid
principal balance at the rate of 8.0% per annum, compounded annually. The
principal hereof and the interest thereon are payable at 3950 Johns Creek Court,
Suite 100, Suwanee, Georgia 30024, or at such other place as Payee may from time
to time designate to Maker in writing, in coin or currency of the United States
of America.

     Maker may, at any time and from time to time, prepay all or any portion of
the principal of this Note remaining unpaid, without penalty or premium.
Prepayments shall be applied first to the payment of accrued but unpaid interest
on this Note and the balance to principal.

     If any of the following events (an "Event of Default") shall occur and be
continuing for any reason whatsoever (and whether such occurrence shall be
voluntary or involuntary or come about or be effected by operation of law or
otherwise), then this Note shall thereupon be and become, forthwith due and
payable, without any further notice or demand of any kind whatsoever, all of
which are hereby expressly waived:

          (a) If Maker defaults in the payment of principal or interest on this
Note when and as the same shall become due and payable and such default
continues for 20 days after Maker receives notice from Payee of such default; or

          (b) If Maker makes an assignment for the benefit of creditors or
admits in writing an inability to pay his or its debts generally as they become
due;

          (c) If an order, judgment or decree is entered adjudicating Maker
bankrupt or insolvent;

          (d) If Maker petitions or applies to any tribunal for the appointment
of a trustee or receiver of Maker, or of any substantial part of the assets of
Maker, or commences any proceedings relating to Maker under any bankruptcy,
reorganization, arrangement, insolvency, readjustment of debt, dissolution or
liquidation law of any jurisdiction, whether now or hereafter in effect; or

          (e) If any such petition or application is filed, or any such
proceedings are commenced, against Maker, and Maker by any act indicates its
approval thereof, consent thereto, or acquiescence therein, or an order is
entered appointing any such trustee or receiver, or approving the petition in
any such proceedings, and such order remains unstayed and in effect for more
than 90 days.

<PAGE>   2
     This Note is with full recourse to any assets of Maker.

     Any failure on the part of Payee at any time to require the performance by
Maker of any of the terms or provisions hereof, even if known, shall in no way
affect the right thereafter to enforce the same, nor shall any failure of Payee
to insist on strict compliance with the terms and conditions hereof be taken to
or held to be a waiver of any succeeding breach or of the right of Payee to
insist on strict compliance with the terms and conditions hereof.

     Time is of the essence.

     This Note shall be governed by, and enforced and interpreted in accordance
with, the laws of the State of Georgia without regard to the principles of
conflict of laws.

     In the event this note, or any part hereof, is collected by or through an
attorney-at-law, Maker agrees to pay all costs of collection including, but
not limited to, attorney's fees equal to 15% of the principal and interest
then due. In the event that Maker fails to make any payment when due, Payee
shall provide written notice of default to Maker, which notice shall allow
Maker ten (10) days from the date of receipt of such notice in which to cure
such default. If such default is not cured within the time allowed, the
balance hereof shall be deemed to be immediately accelerated without further
notice to Maker.

     IN WITNESS WHEREOF, Maker has executed this Note under seal as of the
date first set forth above.

                                   MAKER:

                                   /s/  Cleve B. Shultz
                                   --------------------------------------------

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00006-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00006-of-00352.parquet"}]]