Zchat is a person to person chat program which does not rely on servers, it could be
compared to the unix talkd, but has many more features and no lag as you type, Ideal
for communicating privately between a couple of friends. 

Features

  Fast File transfer capability

  Picture support

  Secure connection

  No Servers

Homepage URL:
http://apollo3.com/~acowan/zchat.html