EHIBIT 10.3 Addendum to Land Purchase Agreement SECOND ADDENDUM TO CONTRACT Paragraph VI. is amended as follows: CLOSING DATE: This transaction shall be closed and the deed and other closing papers delivered on 11-1-98, unless modified by other...

                                   EHIBIT 10.3

                       Addendum to Land Purchase Agreement




                           SECOND ADDENDUM TO CONTRACT

         Paragraph VI. is amended as follows:

      CLOSING  DATE:  This  transaction  shall be closed  and the deed and other
closing papers delivered on 11-1-98, unless modified by other provisions of this
Contract.

                                      INTERSTATE SUPPLY, INC.


                                      By:   /s/ Xxxxx Xxxx, President
                                            ------------------------------------
                                                       "Seller"


                                      PSB BANCGROUP, INC.


                                      By:   /s/ Xxxxxx X. Xxxxxxx, President
                                            ------------------------------------
                                                        "Buyer"