Exhibit 10.15

                    SECOND AMENDMENT TO CONSULTING AGREEMENT


This Second Amendment to Consulting Agreement (Second Amendment) dated February
1, 2003 (the Effective Date) is made between Abbott Realty Services, Inc., a
Florida corporation (the Company) and William W. Abbott, Jr., an individual
residing in the State of Florida (the Consultant).

WHEREAS, the Company and the Consultant are each parties to that certain
Consulting Agreement dated September 30, 1998; and

WHEREAS, the Company and the Consultant amended the Consulting Agreement
pursuant to the terms of that certain First Amendment to Consulting Agreement
dated as of April 1, 2001( the Consulting Agreement and the First Amendment to
Consulting Agreement are collectively referred to as the Consulting Agreement);
and

WHEREAS, the Company and the Consultant again desire to amend the Consulting
Agreement pursuant to the terms of this Second Amendment;

NOW,THEREFORE, in consideration of the foregoing premises and for other good and
valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the Company and the Consultant agree that, as of the Effective
Date above, the Consulting Agreement is hereby amended as follows:


      1.    Section 4 of the Consulting Agreement shall be amended by deleting
            the date April 1, 2003 and substituting the date April 1, 2004
            therefore.

      2.    Section 2(a) of the Consulting Agreement shall be amended by
            deleting the figure $125,000 in the first line and substituting the
            figure $75,000 therefore.

      3.    Company and Consultant agree that, except as amended by this Second
            Amendment, the Consulting Agreement shall remain unchanged and in
            full force and effect.


                             Signatures on next page

                                                                   Exhibit 10.15

In Witness Whereof, the Company and the Consultant have executed this Second
Amended as of the Effective Date.



                                    ABBOTT REALTY SERVICES, INC.



                                    By: /s/ James S. Olin
                                       -----------------------------
                                          James S. Olin,
                                          Chief Executive Officer



                                     /s/ William W. Abbott, Jr.
                                    --------------------------------
                                          William W. Abbott, Jr.
                                          Consultant