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                                                                    EXHIBIT 10.3

ALLEN C. EWING & CO.                        50 North Laura Street, Suite 3625
INVESTMENT BANKERS                          Jacksonville, FL 32202-3812
JACKSONVILLE   TAMPA                        Telephone 904-354-5573
                                            Telecopier 904-354-7033

September 20, 2000

CONFIDENTIAL

Mr. Hans C. Mueller
Chairman, Chief Executive Officer
Coastline Community Group, Inc.
255 Palm Avenue
Miami Beach, Florida 33139

Dear Mr. Mueller:

The purpose of this letter is to set forth a proposed agreement between Allen
C. Ewing & Co. ("Ewing") and Coastline Community Group, Inc. (the "Company")
which is the proposed bank holding company for Coastline National Bank (In
Organization) (the "Bank"), whereby Ewing will be retained by the Company for
the purpose of providing marketing services to the Company in regard to the
Company's objective of raising $8,500,000 to $10,000,000 in equity capital for
the Company, a portion of which will be used to capitalize the Bank.

The Company plans to raise the indicated equity capital by offering common
shares of the Company commencing in October of this year (the "Offering"). The
Offering will be made to investors via an offering circular to be prepared by
the Company. The common shares will be registered with the SEC.

The shares will be offered to investors in three phases:

o        FIRST PHASE

     To the directors and organizers who have indicated that they will
     collectively subscribe to approximately 150,000 shares representing
     $1,500,000 at the proposed offering price of $10.00 per share.

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Mr. Hans Mueller
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September 20, 2000

o        SECOND PHASE

     To investors located in the service area of the Bank with the objective of
     obtaining as many subscriptions as possible for the balance of the shares
     (the "Community Offering").

o        THIRD PHASE

     To other investors with the objective of obtaining subscriptions for any
     and all shares remaining unsold in the prior two phases (the "General
     Offering").

An escrow agent will be appointed by the Company and subscription funds will be
placed in escrow until the minimum capital required by the regulators of
$8,500,000 has been achieved. The marketing and selling of shares in Phases Two
and Three may occur simultaneously as determined by Ewing and the Company.

DUTIES

The services to be provided by Ewing will include the following:

         o        Ewing will serve as the exclusive financial advisor to the
                  Company in connection with all phases of the Offering.

         o        Ewing will provide marketing services for the Offering and
                  licensed brokers to be on site to facilitate the marketing
                  services. Ewing will provide appropriate oversight to ensure
                  compliance with securities laws for the Offering.

         o        Ewing will act as Sales Agent in marketing the shares in the
                  Community and General Offerings and will assist the Company
                  in raising the desired funds on a best efforts basis.

FEES

1)       Upon acceptance of this agreement, Ewing will be paid a consulting fee
         of $3,000 with two additional payments of $3,000, payable monthly,
         commencing thirty days subsequent to the execution of this agreement.
         Commencing the fourth month from the execution of this agreement,
         Ewing will be paid an expense allowance of $5,000, payable monthly for
         three months. These consulting fees and expense allowances will not
         exceed $24,000. Ewing will recommend the services of The Meritas Group
         of Chapel Hill, NC, or a firm providing similar services, which will
         provide qualified personnel responsible to the Company for carrying
         out the necessary bookkeeping, compliance, and related duties. The
         Meritas Group, or a similar firm, will provide the Company with a
         software package designed to facilitate compliance and bookkeeping.
         This software package is capable of providing daily, weekly, and
         monthly reports reflecting the status of subscriptions as well as
         demographic information that may be pertinent. If the Offering is

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Mr. Hans Mueller
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September 20, 2000

         successful and the minimum amount of funds raised, all fees paid to
         Ewing as consulting fees and expenses will be deducted from the
         transaction fees payable to Ewing at closing.

2)       Ewing will be paid the following transaction fees at closing:

         o        Ewing will not receive a transaction fee for the shares
                  subscribed to by the Directors of the Company, which is
                  anticipated to be approximately 150,000 shares, or
                  $1,500,000.

         o        Ewing will be paid a transaction fee of 4.0% on all funds
                  raised in the Community Offering. Subscribers in the
                  Community Offering will consist of investors located in the
                  Bank's service area, as defined, as well as friends and
                  associates of directors and organizers whose names will be
                  provided in writing to Ewing.

         o        Ewing will be paid a transaction fee of 6.0% on all
                  subscriptions generated in the General Offering.

         o        Ewing, at its discretion, will solicit interest from other
                  registered broker-dealers to participate in the General
                  Offering via a dealer selling agreement, which will provide
                  commission payments to participating dealers of 4.0%.

EXPENSES

The Company will pay the legal costs for Ewing, which will not exceed $15,000
unless extraordinary legal services, approved by the Company, are required. The
Company will be responsible for the fees and expenses of The Meritas Group, or
a similar firm, if said services are necessary.

DUE DILIGENCE

Ewing and its legal counsel will be given the opportunity to perform due
diligence prior to the commencement of the Offering and prior to the execution
of this agreement.

INDEMNIFICATION

The Company agrees to indemnify and hold harmless Ewing, its directors,
officers, and shareholders against any lawsuits, claims, damages, or
liabilities (or actions or proceedings in respect thereof) to which Ewing or
such person may become subject related to our engagement with the Company and
will reimburse Ewing and each such person for all legal and other expenses
incurred in connection with investigating or defending any such loss, claim,
damage, liability, action, or proceeding whether or not in connection with
pending or threatened litigation in which Ewing or any such person is a party;
provided, however, that the Company will not be liable in any such case for
losses, claims, damages, liabilities, or expenses that a court of competent

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Mr. Hans Mueller
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September 20, 2000

jurisdiction shall have found in a final judgment to have arisen primarily from
the gross negligence or willful misconduct of Ewing or the party claiming a
right to indemnification. This indemnity agreement will be in addition to any
liability, which the Company may otherwise have.

The provisions of this agreement relating to indemnification shall survive
termination or modification of our engagement and shall be binding upon any
successors or assigns of the Company.

Please indicate that the terms described herein are agreeable by signing and
returning to us the enclosed duplicate of this letter. We look forward to
working with you on this project and look forward to a successful outcome.

Very truly yours,
ALLEN C. EWING & CO.

By: /s/ Benjamin C. Bischop
    --------------------------------
      Benjamin C. Bishop, Jr.
      President

ACCEPTED AND AGREED This 29th Day Of September 2000.

COASTLINE COMMUNITY GROUP, INC.

By:  /s/ Hans C. Mueller
    --------------------------------
      Hans C. Mueller
      Chairman and Chief Executive Officer<PAGE>   1

                                  EXHIBIT 4(B)

                    AGREEMENT PURSUANT TO ITEM 601(B)(4)(III)
                                       OF
                                 REGULATION S-K

<PAGE>   2

                                                                    EXHIBIT 4(B)

                    AGREEMENT PURSUANT TO ITEM 601(B)(4)(III)
                                OF REGULATION S-K

         The Registrant hereby undertakes and agrees to furnish to the
Securities and Exchange Commission upon request a copy of any instrument
relating to, or defining the rights of the holders of, any long-term debt of the
Registrant and/or its subsidiaries, a copy of which has not been filed in
reliance upon Item 601(b)(4)(iii)(A) of Regulation S-K or which, although
previously filed, shall have become stale in the sense of Item 10(d) of
Regulation S-K or which shall have been disposed of by the Commission pursuant
to its Record Control Schedule. This Agreement and undertaking is intended to be
effective with respect to Registrant's Long-term Debt instruments whether
securities have been issued thereunder or are yet to be issued thereunder.

Date:     March 8, 2001
     ----------------------

                                         By: /s/ Jackson W. Moore
                                            ------------------------------------
                                            Jackson W. Moore
                                            Chairman and Chief Executive Officer<PAGE>   1

                                 EXHIBIT 10(BB)

                           AMENDED EXECUTIVE FINANCIAL
                         PLANNING SERVICES PLAN FOR 2000

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                                                                  EXHIBIT 10(BB)

             AMENDED EXECUTIVE FINANCIAL PLANNING SERVICES PLAN 2000

         This nonqualified Plan allows Section 16 Executive Officers of the
Corporation to receive reimbursement for payment of fees to attorney,
accountant, or financial planning service for tax or estate planning services.
Reimbursements are limited to 2.5% of the Executive's base pay annually, grossed
up for applicable taxes, and are paid as Special Pay taxable to Executive. The
Executive is responsible for payment to the provider of services. Payments under
this Plan are expensed as compensation to the Executive when reimbursed and
charged to their respective cost center.

         The listing below includes Executives eligible for Plan for the current
plan year.

                          SECTION 16 EXECUTIVE OFFICERS

<TABLE>
           <S>                                     <C>
           Moore      Jackson W.                   Chairman and Chief Executive Officer
           DeVaux     Lloyd B.                     Senior Executive Vice President and Chief Information Officer
           Doxey      Bobby L.                     Senior Executive Vice President and Chief Financial Officer
           Duncan     Robert                       Senior Executive Vice President, Corporate Administration
           Henriques  Adolfo                       Chief Executive Officer, Florida Bank
           Kennebeck  Alan                         Senior Executive Vice President, Retail Services
           Poynter    Lou Ann                      Regional Bank Group Manager
           Russell    Michael B.                   Senior Executive Vice President, Lending and Credit Administration
           Schenck    Steven J.                    Chief Executive Officer, Indiana Bank
           White      John V., Jr.                 Chief Executive Officer, Memphis Bank
</TABLE>

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