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                                                                   EXHIBIT 10.69

                              EMPLOYMENT AGREEMENT

         This Employment Agreement (the "Agreement") is made and entered into
this 25th day of January, 1998, by and between MEDAPHIS CORPORATION, a Delaware
corporation (the "Company"), and ALLEN RITCHIE, a resident of the State of
Georgia (the "Executive").

                      Statement of Background Information

         The Company renders to hospitals, physicians, and/or other healthcare
organizations and providers: (a) billing services, accounts receivable
management services, collection services, electronic claims services, financial
management services, and practice and facilities management services; (b)
eligibility verification and certification for Medicaid, Medicare and other
healthcare assistance programs; (c) filing and other medical claims
securitization services; (d) medical coverage information services; and (e)
medical and insurance claims monitoring and tracking services (collectively the
"Processing Business").

         The Company also: (a) develops, markets and licenses to hospitals,
integrated healthcare delivery systems, and other healthcare providers and
other end users (collectively "Providers"), (i) strategic, operational and
financial information systems and services and decision support tools for
healthcare providers, (ii) software systems which provide claims and
reimbursement services and electronic claims processing, and (iii) software
applications which assist Providers with automated scheduling and resource
management (the items discussed in Sections (a)(i), (a)(ii) and (a)(iii) of
this paragraph are referred to as "Systems"), which Systems include, but are
not limited to, nurse scheduling and management information systems, operating
room patient scheduling and surgery information systems, enterprise wide
patient scheduling and resource management systems, enterprise-wide employee
scheduling and management information systems and related software interfaces
to other information systems; and (b) provides to Providers installation and
support services related to the Company's Systems (the "Systems Business").

         The Company also renders professional services with respect to the
development of computer software, algorithms, design, documentation, and
related materials, and the development, design, deployment, and operation of
local and wide area computer networks, all in conjunction with the sale,
design, deployment, operation and maintenance of custom computer processing
systems for improvement of operational efficiency or functionality through the
use of image storage and processing, work flow technology, optical character
recognition or other related technologies (the "System Integration Business")
(the Processing Business, the Systems Business, the Systems Integration


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Business and any other distinct business segment in which the Company engages
during Executive's employment are collectively referred to herein as the
"Business").

         In consideration of the mutual covenants, promises and conditions set
forth in this Agreement, and for other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties agree as
follows:

1.       Employment. The Company hereby employs Executive and Executive hereby 
         accepts such employment upon the terms and conditions set forth in
         this Agreement.

2.       Duties of Executive. Executive's title will be Executive Vice 
         President and Chief Financial Officer of Medaphis Corporation and
         Executive will report directly to the Chief Executive Officer of the
         Company. Executive agrees to perform and discharge such other duties
         as may be assigned to Executive from time to time by the Company to
         the reasonable satisfaction of the Company, and such duties will be
         consistent with those duties regularly and customarily assigned by the
         Company to the position of Executive Vice President and Chief
         Financial Officer of Medaphis Corporation. Executive also agrees to
         comply with all of the Company's policies, standards and regulations
         as promulgated by the officers of the Company, and to follow the
         instructions and directives of the Board of Directors, the Chairman
         and the Chief Executive Officer of the Company. Executive will devote
         Executive's full professional and business-related time, skills and
         best efforts to such duties and will not, during the term of this
         Agreement, be engaged (whether or not during normal business hours) in
         any other business or professional activity, whether or not such
         activity is pursued for gain, profit or other pecuniary advantage,
         without the prior written consent of the Chairman of the Company,
         which consent will not be unreasonably withheld. This Section will not
         be construed to prevent Executive from (a) investing personal assets
         in businesses which do not compete with the Company in such form or
         manner that will not require any services on the part of Executive in
         the operation or the affairs of the companies in which such
         investments are made and in which Executive's participation is solely
         that of an investor; (b) purchasing securities in any corporation
         whose securities are listed on a national securities exchange or
         regularly traded in the over-the-counter market, provided that
         Executive at no time owns, directly or indirectly, in excess of one
         percent (1%) of the outstanding stock of any class of any such
         corporation engaged in a business competitive with that of the
         Company; or (c) participating in conferences, preparing and publishing
         papers or books or teaching, so long as the Chief Executive Officer of
         the 


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         Company approves such participation, preparation and publication or
         teaching prior to Executive's engaging therein.

3.       Term. The term of this Agreement will be for a three (3) year period 
         of time, commencing as of January 25th, 1998 and expiring on
         January 25th, 2001, subject to earlier termination as provided for in
         Section 4 of this Agreement. This Agreement shall be automatically
         renewed for successive one (1) year periods at the end of the initial
         three-year term, unless either party gives notice to the other of its
         intent to terminate this Agreement not less than sixty (60) days prior
         to commencement of any such one-year renewal period. In the event such
         notice to terminate is properly and timely given, this Agreement shall
         terminate at the end of the initial term or the one-year renewal
         period in which such notice is given.

4.       Termination.

         (a) Termination by Company for Cause. Notwithstanding anything
         contained in Section 3 to the contrary, the Company may terminate this
         Agreement and all of its obligations hereunder immediately if any of
         the following events occur:

                  (i)   Executive materially breaches any of the terms or
                  conditions set forth in this Agreement and fails to cure such
                  breach within ten (10) days after Executive's receipt from
                  the Company of written notice of such breach (notwithstanding
                  the foregoing, no cure period shall be applicable to breaches
                  by Executive of Sections 6, 7 or 8 of this Agreement);

                  (ii)  Executive commits any other act materially detrimental
                  to the business or reputation of the Company;

                  (iii) Executive commits or is convicted of any crime
                  involving fraud, deceit or moral turpitude; or

                  (iv)  Executive dies or becomes mentally or physically
                  incapacitated or disabled so as to be unable to perform
                  Executive's duties under this Agreement. Without limiting the
                  generality of the foregoing, Executive's inability adequately
                  to perform services under this Agreement for a period of
                  sixty (60) consecutive days will be conclusive evidence of
                  such mental or physical incapacity or disability, unless such
                  inability adequately to perform services under this Agreement
                  is pursuant to a mental or physical incapacity or disability
                  covered by the Family Medical Leave Act, in which 


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                  case such sixty (60)-day period shall be extended to a one
                  hundred and twenty (120)-day period.

         (b) Termination by Company Without Cause. Notwithstanding anything
         contained in Section 3 to the contrary, the Company may terminate
         Executive's employment pursuant to this Agreement without cause upon
         at least thirty (30) days' prior written notice to Executive. In the
         event Executive's employment with the Company is terminated by the
         Company without cause, Executive shall be entitled to elect a
         severance consideration equal to (i) two (2) years of salary and
         benefit continuation (this severance consideration does not include
         the right to receive any incentive bonus payments) at Executive's then
         current salary and benefit levels, or (ii) Executive's then-current
         monthly salary (this severance consideration does not include the
         right to receive any incentive bonus payments) multiplied by the
         number of months remaining in the initial term of this Agreement.

         (c) Termination by Executive With Good Reason. Except as set forth in
         Paragraph (d) below, in the event Executive elects to voluntarily
         terminate his employment following the occurrence of events
         constituting "Good Reason" for his voluntary termination of
         employment, Executive will be entitled to elect a severance
         consideration equal to (i) two (2) years of salary and benefit
         continuation (this severance consideration does not include the right
         to receive any incentive bonus payments) at Executive's then current
         salary and benefit levels, or (ii) Executive's then-current monthly
         salary (this severance consideration does not include the right to
         receive any incentive bonus payments) multiplied by the number of
         months remaining in the initial term of this Agreement. For purposes
         of this Agreement, "Good Reason" is defined as (w) a material
         reduction (greater than 10%) in Executive's annual base salary; (x) a
         change in Executive's work location to a work location more than 50
         miles from Executive's existing work location, except for required
         travel on the Company's business to an extent consistent with
         Executive's then present business travel obligations; (y) an
         assignment to any duties inconsistent in any material adverse respect
         with Executive's current position, duties or responsibilities, other
         than an insubstantial and inadvertent act that is remedied by the
         Company promptly after receipt of notice thereof given by Executive;
         or (z) the failure by the Company to continue any material benefit or
         compensation plan in which Executive is participating unless Executive
         is provided with comparable benefits.

         (d) Change in Control. In the event there is a Change in Control (as
         defined herein) of Medaphis Corporation, Executive will be entitled to
         receive a severance payment equal to two (2) years of salary and
         benefits (including any bonus 


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         payment to which Executive would be entitled which will be calculated
         by doubling the incentive bonus payment received by Executive during
         the year immediately prior to the Change in Control), if (A)
         Executive's employment is terminated by the Company without cause
         within one (1) year following any such Change in Control; (B) if
         Executive's employment is terminated by the Company at the request of
         or pursuant to an agreement with a third party who has taken steps
         reasonably calculated to effect a Change in Control; (C) if
         Executive's employment is terminated by the Company in connection with
         or in anticipation of a Change in Control; (D) if Executive
         voluntarily terminates his employment for Good Reason (as defined
         above in Paragraph (c)) within one (1) year following any such Change
         in Control; or (E) if Executive voluntarily terminates his employment
         for Good Reason within one (1) year following any action taken by the
         Company at the request of or pursuant to an agreement with a third
         party who has taken steps reasonably calculated to effect a Change in
         Control or any action taken by the Company in connection with or in
         anticipation of a Change in Control, in each case which action
         constitutes Good Reason. For purposes of this Agreement, a "Change in
         Control" of Medaphis Corporation shall be deemed to occur upon any of
         the following:

                  (i)   a consolidation or merger of Medaphis Corporation with 
                  or into any other corporation, or any other entity or person,
                  other than a wholly-owned subsidiary of Medaphis Corporation,
                  excluding any transaction in which the shares of the
                  Company's common stock outstanding immediately prior to any
                  such consolidation or merger represents immediately
                  thereafter more than 50% of the combined voting power of the
                  resulting entity after the transaction;

                  (ii)  any corporate reorganization, including an exchange
                  offer, in which Medaphis Corporation shall not be the
                  continuing or surviving entity resulting from such
                  reorganization, excluding any transaction in which the shares
                  of the Company's common stock outstanding immediately prior
                  to any such reorganization represents immediately thereafter
                  more than 50% of the combined voting power of the resulting
                  entity after the transaction; or

                  (iii) the failure for any reason of individuals who
                  constitute the Incumbent Board to continue to constitute at
                  least a majority of the Board. For purposes of this Section 4
                  (d), the term "Board" shall mean the Board of Directors of
                  the Company and the term "Incumbent Board" shall mean the
                  members of the Board as of the date hereof and any person
                  becoming a 


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                  member of the Board hereafter whose election or nomination is
                  by a vote of at least a majority of the directors then
                  comprising the Incumbent Board (other than an election or
                  nomination of an individual whose initial assumption of
                  office is in connection with an actual or threatened election
                  contest relating to the election of the directors of the
                  Company, as such terms are used in Rule 14a-11 of Regulation
                  14A promulgated under the Securities Exchange Act of 1934, as
                  amended).

5.  Compensation and Benefits.

         a) Annual Salary. During the term of this Agreement and for all
         services rendered by Executive under this Agreement, the Company will
         pay Executive a base salary of Three Hundred Thousand Dollars
         ($300,000.00) per annum to be paid in accordance with the Company's
         regular payroll practices, provided, however, that such payments shall
         be made no less frequently than in equal monthly installments. Such
         annual salary will be subject to adjustments in the normal course of
         business.

         b) Incentive Compensation. Executive shall be eligible to participate
         in the 1998 Medaphis Corporation and its Subsidiary Corporations
         Incentive Compensation Plan (and any comparable future incentive
         compensation plans during the term of this Agreement) at a
         participation category of up to 80% of Executive's base salary,
         payable at the discretion of the Board of Directors of the Company.

         c) Stock Options. As soon as reasonably practicable after the signing
         of this Agreement, and subject to the approval of the Compensation
         Committee of the Board of Directors of Medaphis Corporation, the
         Company will cause Medaphis to issue to Executive, effective as of the
         date approved by the Compensation Committee of the Board of Directors
         of Medaphis Corporation, options to purchase Three Hundred Thousand
         (300,000) shares of Medaphis Common Stock pursuant to the terms and
         conditions of the Amended and Restated Medaphis Corporation
         Non-Qualified Stock Option Plan ("Stock Option Plan"), as amended.
         Such options will vest at the rate of thirty-three and one-third
         percent (33.33%) per year for a three-year period beginning on the
         starting date of this Agreement, subject to the terms and conditions
         of the Stock Option Plan. Such options shall vest in full immediately
         upon the occurrence of certain change in control events outlined in
         the Stock Option Plan. Executive shall be considered for additional
         grants of options to purchase shares of Medaphis common stock in a
         manner which is consistent with other senior officers of the Company.
         Except as expressly set forth herein, nothing in this Agreement shall
         give rise to a contractual right to Executive to receive grants of
         additional stock options of Medaphis. Further, Medaphis has no


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         obligation to Executive to create parity with any other Medaphis
         executives with respect to any options granted to such other
         executives.

         d) Other Benefits. Executive will be entitled to such fringe benefits
         as may be provided from time-to-time by the Company to its Executives,
         including, but not limited to, loan arrangements to facilitate the
         purchase of common stock of the Company, financial counseling
         services, group health insurance, life and disability insurance,
         vacations and any other fringe benefits, is each case as now or
         hereafter provided by the Company to its Executives, if and when
         Executive meets the eligibility requirements for any such benefit. The
         Company reserves the right to change or discontinue any employee
         benefit plans or programs now being offered to its employees;
         provided, however, that all benefits provided for Executives of the
         same position and status as Executive will be provided to Executive on
         an equal basis.

         e) Business Expenses. Executive will be reimbursed for all reasonable
         expenses incurred in the discharge of Executive's duties under this
         Agreement pursuant to the Company's standard reimbursement policies.

         f) Withholding. The Company will deduct and withhold from the payments
         made to Executive under this Agreement, state and federal income
         taxes, FICA and other amounts normally withheld from compensation due
         employees.

6.       Non-Disclosure of Proprietary Information. Executive recognizes and 
         acknowledges that the Trade Secrets (as defined below) and
         Confidential Information (as defined below) of the Company and its
         affiliates and all physical embodiments thereof (as they may exist
         from time-to-time, collectively, the "Proprietary Information") are
         valuable, special and unique assets of the Company's and its
         affiliates' businesses. Executive further acknowledges that access to
         such Proprietary Information is essential to the performance of
         Executive's duties under this Agreement. Therefore, in order to obtain
         access to such Proprietary Information, Executive agrees that, except
         in connection with performing duties assigned to him by the Company,
         Executive shall hold in confidence all Proprietary Information and
         will not reproduce, use, distribute, disclose, publish or otherwise
         disseminate any Proprietary Information, in whole or in part, and will
         take no action causing, or fail to take any action necessary to
         prevent causing, any Proprietary Information to lose its character as
         Proprietary Information, nor will Executive make use of any such
         information for Executive's own purposes or for the benefit of any
         person, firm, corporation, association or other entity (except the
         Company) under any circumstances.


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         For purposes of this Agreement, the term "Trade Secrets" means
         information, without regard to form, including, but not limited to,
         any technical or nontechnical data, formula, pattern, compilation,
         program, device, method, technique, drawing, process, financial data,
         financial plan, product plan, list of actual or potential customers or
         suppliers, or other information similar to any of the foregoing, which
         is not commonly known by or available to the public and (i) derives
         economic value, actual or potential, from not being generally known
         to, and not being readily ascertainable by proper means by, other
         persons who can derive economic value from its disclosure or use, and
         (ii) is the subject of efforts that are reasonable under the
         circumstances to maintain its secrecy. For purposes of this Agreement,
         the term "Trade Secrets" does not include information that Executive
         can show by competent proof (i) was known to Executive and reduced to
         writing prior to disclosure by the Company (but only if Executive
         promptly notifies the Company of Executive's prior knowledge); (ii)
         was generally known to the public at the time the Company disclosed
         the information to Executive; (iii) became generally known to the
         public after disclosure by the Company through no act or omission of
         Executive; or (iv) was disclosed to Executive by a third party having
         a bona fide right both to possess the information and to disclose the
         information to Executive. The term "Confidential Information" means
         any data or information of the Company, other than trade secrets,
         which is valuable to the Company and not generally known to
         competitors of the Company. The provisions of this Section 6 will
         apply to Trade Secrets for so long as such information remains a trade
         secret and to Confidential Information during Executive's employment
         with the Company and for a period of two (2) years following any
         termination of Executive's employment with the Company for whatever
         reason.

7.A.     Non-Competition Covenant. During Executive's employment by the Company
         Executive will be a member of the Company's executive management team.
         Executive agrees that during his employment and for a period of two
         (2) years following any termination of Executive's employment for
         whatever reason, Executive will not, directly or indirectly, on
         Executive's own behalf or in the service of or on behalf of any other
         individual or entity, compete with the Company within the Geographical
         Area (as hereinafter defined). The term "compete" means to engage in,
         have any equity or profit interest in, make any loan to or for the
         benefit of, or render services of any marketing, management, sales,
         administrative, supervisory or consulting nature, directly or
         indirectly, on Executive's own behalf or in the service of or on
         behalf of any other individual or entity, either as a proprietor,
         employee, agent, independent contractor, consultant, director,
         officer, partner or stockholder (other than a stockholder of a
         corporation listed on a national securities exchange or whose stock is
         regularly traded in the 


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         over-the-counter market, provided that Executive at no time owns,
         directly or indirectly, in excess of one percent (1%) of the
         outstanding stock of any class of any such corporation) any business
         which provides Business products or services, provided that nothing in
         this Agreement will preclude Executive from rendering legal services
         in the role of outside counsel on behalf of any entity, including
         those entities that compete with the Company, following the
         termination of his employment with the Company. For purposes of this
         Agreement, the term "Geographical Area" means the territory located
         within a seventy-five (75) mile radius of any Company facility for
         which Executive exercised managerial control or provided legal
         services on behalf of the Company.

  B.     Non-Solicitation of Clients Covenant. Executive agrees that during  
         Executive's employment by the Company and for a period of two (2)
         years following the termination of Executive's employment for whatever
         reason, Executive will not, directly or indirectly, on Executive's own
         behalf or in the service of or on behalf of any other individual or
         entity, divert, solicit or attempt to divert or solicit any individual
         or entity (i) who is a client of the Company at any time during the
         six (6)-month period prior to Executive's termination of employment
         with the Company ("Client"), or was actively sought by the Company as
         a prospective client, and (ii) with whom Executive had material
         contact while employed by the Company, to provide Business services or
         products to such Clients or prospects.

 C.      Construction. The parties hereto agree that any judicial authority  
         construing all or any portion of this Section 7 or Section 8 below
         may, if it chooses, sever any portion of the Geographical Area, client
         base, prospective relationship or prospect list or any prohibited
         business activity from the coverage of such Section and to apply the
         provisions of such Section to the remaining portion of the
         Geographical Area, the client base or the prospective relationship or
         prospect list, or the remaining business activities not so severed by
         such judicial authority. In addition, it is the intent of the parties
         that the judicial authority may, if it chooses, replace each such
         severed provision with a provision as similar in terms to such severed
         provision as may be possible and be legal, valid and enforceable. It
         is the intent of the parties that Sections 7 and 8 be enforced to the
         maximum extent permitted by law. In the event that any provision of
         either such Section is determined not to be specifically enforceable,
         the Company shall nevertheless be entitled to bring an action to seek
         to recover monetary damages as a result of the breach of such
         provision by Executive.

8.       Non-Solicitation of Employees Covenant. Executive further agrees and 
         represents that during Executive's employment by the Company and for a
         period of two (2) 


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         years following any termination of Executive's employment for whatever
         reason, Executive will not, directly or indirectly, on Executive's own
         behalf or in the service of, or on behalf of any other individual or
         entity, divert or solicit, or attempt to divert or solicit, to or for
         any individual or entity which is engaged in providing Business
         services or products, any person employed by the Company, whether or
         not such employee is a full-time employee or temporary employee of the
         Company, whether or not such employee is employed pursuant to written
         agreement and whether or not such employee is employed for a
         determined period or at-will.

9.       Existing Restrictive Covenants. Executive represents and warrants that
         Executive's employment with the Company does not and will not breach
         any agreement which Executive has with any former employer to keep in
         confidence confidential information or not to compete with any such
         former employer. Executive will not disclose to the Company or use on
         its behalf any confidential information of any other party required to
         be kept confidential by Executive.

10.      Return of Proprietary Information. Executive acknowledges that as a
         result of Executive's employment with the Company, Executive may come
         into the possession and control of Proprietary Information, such as
         proprietary documents, drawings, specifications, manuals, notes,
         computer programs, or other proprietary material. Executive
         acknowledges, warrants and agrees that Executive will return to the
         Company all such items and any copies or excerpts thereof, in any form
         or medium, and any other properties, files or documents obtained as a
         result of Executive's employment with the Company, immediately upon
         the termination of Executive's employment with the Company.

11.      Proprietary Rights. During the course of Executive's employment with 
         the Company, Executive may make, develop or conceive of useful
         processes, machines, compositions of matter, computer software,
         algorithms, works of authorship expressing such algorithm, or any
         other discovery, idea, concept, document or improvement which relates
         to or is useful to the Company's Business (the "Inventions"), whether
         or not subject to copyright or patent protection, and which may or may
         not be considered Proprietary Information. Executive acknowledges that
         all such Inventions will be "works made for hire" under United States
         copyright law and will remain the sole and exclusive property of the
         Company. Executive also hereby assigns and agrees to assign to the
         Company, in perpetuity, all right, title and interest Executive may
         have in and to such Inventions, including without limitation, all
         copyrights, and the right to apply for any form of patent, utility
         model, industrial design or similar proprietary right


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         recognized by any state, country or jurisdiction. Executive further
         agrees, at the Company's request and expense, to do all things and
         sign all documents or instruments necessary, in the opinion of the
         Company, to eliminate any ambiguity as to the ownership of, and rights
         of the Company to, such Inventions, including filing copyright and
         patent registrations and defending and enforcing in litigation or
         otherwise all such rights.

         Executive will not be obligated to assign to the Company any Invention
         made by Executive while in the Company's employ which does not relate
         to any business or activity in which the Company is or may reasonably
         be expected to become engaged, except that Executive is so obligated
         if the same relates to or is based on Proprietary Information to which
         Executive will have had access during and by virtue of Executive's
         employment or which arises out of work assigned to Executive by the
         Company. Executive will not be obligated to assign any Invention which
         may be wholly conceived by Executive after Executive leaves the employ
         of the Company, except that Executive is so obligated if such
         Invention involves the utilization of Proprietary Information obtained
         while in the employ of the Company. Executive is not obligated to
         assign any Invention which relates to or would be useful in any
         business or activities in which the Company is engaged if such
         Invention was conceived and reduced to practice by Executive prior to
         Executive's employment with the Company.

12.      Remedies. Executive agrees and acknowledges that the violation of any
         of the covenants or agreements contained in Sections 6, 7, 8, 9, 10
         and 11 of this Agreement would cause irreparable injury to the
         Company, that the remedy at law for any such violation or threatened
         violation thereof would be inadequate, and that the Company will be
         entitled, in addition to any other remedy, to temporary and permanent
         injunctive or other equitable relief without the necessity of proving
         actual damages or posting a bond.

13.      Notices. Any notice or communication under this Agreement will be in
         writing and sent by registered or certified mail addressed to the
         respective parties as follows:

         If to the Company:                 If to Executive:

         2700 Cumberland Parkway            Allen Ritchie
         Suite 300                          
         Atlanta, GA 30339                  ---------------
         Attn: Chief Executive Officer
                                            ---------------

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         or to such other address or agent as may be hereafter designated in
         writing by either party hereto. All such notices shall be deemed given
         on the date personally delivered or mailed.

14.      Severability. Subject to the application of Section 7(C) to the
         interpretation of Sections 7 and 8, in case one or more of the
         provisions contained in this Agreement is for any reason held to be
         invalid, illegal or unenforceable in any respect, the parties agree
         that it is their intent that the same will not affect any other
         provision in this Agreement, and this Agreement will be construed as
         if such invalid or illegal or unenforceable provision had never been
         contained herein. It is the intent of the parties that this Agreement
         be enforced to the maximum extent permitted by law.

15.      Entire Agreement. This Agreement embodies the entire agreement of the
         parties relating to the subject matter of this Agreement and
         supersedes all prior agreements, oral or written, regarding the
         subject matter hereof. No amendment or modification of this Agreement
         will be valid or binding upon the parties unless made in writing and
         signed by the parties.

16.      Binding Effect. This Agreement will be binding upon the parties and
         their respective heirs, representatives, successors, transferees and
         permitted assigns.

17.      Assignment. This Agreement is one for personal services and will not
         be assigned by Executive. The Company may assign this Agreement to its
         parent company or to any of its subsidiaries or affiliated companies;
         provided that the parent or any subsidiary or affiliate fulfills the
         obligations of the Company under this Agreement.

18.      Governing Law. This Agreement is entered into and will be interpreted  
         and enforced pursuant to the laws of the State of Georgia. The parties
         hereto hereby agree that the appropriate forum and venue for any
         disputes between any of the parties hereto arising out of this
         Agreement shall be any federal court in the state where the Company
         has its principal place of business and each of the parties hereto
         hereby submits to the personal jurisdiction of any such court. The
         foregoing shall not limit the rights of any party to obtain execution
         of judgment in any other jurisdiction. The parties further agree, to
         the extent permitted by law, that a final and unappealable judgment
         against either of them in any action or proceeding contemplated above
         shall be conclusive and may be enforced in any other jurisdiction
         within or outside the United States by suit on the judgment, a
         certified exemplified copy of which shall be conclusive evidence of
         the fact and amount of such judgment.


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19.      Indemnification. Executive shall be entitled to the indemnification
         and exculpation offered through and set forth in the Company's Charter
         and By-laws.

20.      Surviving Terms. Sections 6, 7, 8, 9, 10, 11 and 12 of this Agreement 
         shall survive termination of this Agreement.

         IN WITNESS WHEREOF, the parties have executed this Agreement as of the
day and year first above written.

COMPANY:                                         EXECUTIVE:


By: /s/ Randolph L. M. Hutto                     /s/ Allen Ritchie
   ----------------------------------            -------------------------- 
                                                 Allen Ritchie
Title: EXECUTIVE VICE PRESIDENT
      -------------------------------



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                                   EXHIBIT A

                                   INVENTIONS






         Executive represents that there are no Inventions.


                                                       /s/ AWR
                                                       ----------------------
                                                       Executive's Initials


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