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                                                                   Exhibit 10(o)

                      SECOND AMENDMENT TO CREDIT AGREEMENT

      THIS SECOND AMENDMENT TO CREDIT AGREEMENT, dated as of November 13, 2001
(this "Amendment"), amends the Credit Agreement, dated as of June 30, 2000 (as
heretofore amended, the "Credit Agreement"), among Integra Bank Corporation (the
"Borrower"), the various financial institutions parties thereto (collectively,
the "Lenders") and Bank One, NA, as agent (the "Agent") for the Lenders. Terms
defined in the Credit Agreement are, unless otherwise defined herein or the
context otherwise requires, used herein as defined therein.

      WHEREAS, the parties hereto have entered into the Credit Agreement, which
provides for the Lenders to extend certain credit facilities to the Borrower
from time to time; and

      WHEREAS, the parties hereto desire to amend the Credit Agreement in
certain respects as hereinafter set forth;

      NOW, THEREFORE, in consideration of the premises and for other good and
valuable consideration (the receipt and sufficiency of which are hereby
acknowledged), the parties hereto agree as follows:

      SECTION 1 AMENDMENTS. Effective as of the date hereof, the Credit
Agreement shall be amended in accordance with Sections 1.1 through 1.4 below.

      1.1   Commitment. The definition of "Commitment" in Article I of the
Credit Agreement is hereby amended to state in its entirety as follows:

            "Commitment" means, for each Lender, the obligation of such Lender
      to make Loans not exceeding the amount set forth opposite its signature on
      the Second Amendment hereto or as set forth in any Notice of Assignment
      relating to any assignment that has become effective pursuant to Section
      12.3.2, as such amount may be modified from time to time pursuant to the
      terms hereof.

      1.2   Reduction of Aggregate Commitment. Section 2.5 of the Credit
Agreement is hereby amended by adding the following clause (d) at the end:

            "(d)  The Aggregate Commitment shall be reduced by $5,000,000 on
      December 31, 2001 and $5,000,000 on March 31, 2001. Reductions of the
      Aggregate Commitment made pursuant to clause (a) of this Section shall not
      reduce the required reductions under this clause (d). The Borrower shall,
      upon any such reduction, prepay the amount of any outstanding Loans in
      excess of the reduced Aggregate Commitments."

      1.3   Ratio of Loan Loss Reserves to Non-Performing Assets. Section 6.14
of the Credit Agreement is hereby amended to state in its entirety as follows:

            (c)   Its ratio of Loan Loss Reserves to Non-Performing Assets to be
      less than 0.55 to 1.0 at any time prior to March 31, 2002 and 1.0 to 1.0
      at any time on or after March 31, 2002.
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      1.4   Loan Reserve Analysis. Clause (xi) of Section 6.1 of the Credit
Agreement is hereby renumbered as "(xii)" and a new clause (xi) is added in
proper order stating in its entirety as follows:

            "(xi) promptly after review by the Board of Directors of the
            Borrower and in any event not later than four weeks after each
            fiscal quarter end, the loan reserve analysis for the Borrower and
            its Subsidiaries."

      SECTION 2 WAIVER. The Lenders hereby waive any Default or Unmatured
Default arising under Section 6.14(c) of the Credit Agreement prior to the date
hereof, so long as such Default or Unmatured Default shall not be continuing
after giving effect to this Amendment.

      SECTION 3 CONDITIONS PRECEDENT. This Amendment shall become effective when
each of the conditions precedent set forth in this Section 3 shall have been
satisfied, and notice thereof shall have been given by the Agent to the Borrower
and the Lenders.

      3.1   Receipt of Documents. The Agent shall have received all of the
following documents duly executed, dated the date hereof or such other date as
shall be acceptable to the Agent, and in form and substance satisfactory to the
Agent:

            (a)   Amendment. This Amendment, duly executed by the Borrower, the
      Agent and the Lenders.

            (b)   Secretary's Certificate. A certificate of the secretary or an
      assistant secretary of the Borrower, as to (i) resolutions of the Board of
      Directors of the Borrower then in full force and effect authorizing the
      execution, delivery and performance of this Amendment and each other
      document described herein, and (ii) the incumbency and signatures of those
      officers of the Borrower authorized to act with respect to this Amendment
      and each other document described herein.

      3.2   Compliance with Warranties, No Default, etc. Both before and after
giving effect to the effectiveness of this Amendment, the following statements
by the Borrower shall be true and correct (and the Borrower, by its execution of
this Amendment, hereby represents and warrants to the Agent and each Lender that
such statements are true and correct as at such times):

            (a)   the representations and warranties set forth in Article V of
      the Credit Agreement shall be true and correct with the same effect as if
      then made (unless stated to relate solely to an earlier date, in which
      case such representations and warranties shall be true and correct as of
      such earlier date); and

            (b)   after giving effect to this Amendment, no Default or Unmatured
      Default shall have then occurred and be continuing.

      SECTION 4 REPRESENTATIONS AND WARRANTIES. To induce the Lenders and the
Agent to enter into this Amendment, the Borrower hereby represents and warrants
to the Agent and each Lender as follows:


                                      -2-
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      4.1   Due Authorization, Non-Contravention, etc. The execution, delivery
and performance by the Borrower of this Amendment are within the Borrower's
corporate powers, have been duly authorized by all necessary corporate action,
and do not

            (a)   contravene the Borrower's articles or certificate of
      incorporation or by-laws;

            (b)   contravene any contractual restriction, law or governmental
      regulation or court decree or order binding on or affecting the Borrower;
      or

            (c)   result in, or require the creation or imposition of, any Lien
      on any of the Borrower's properties.

      4.2   Government Approval, Regulation, etc. No authorization or approval
or other action by, and no notice to or filing with, any governmental authority
or regulatory body or other Person is required for the due execution, delivery
or performance by the Borrower.

      4.3   Validity, etc. This Amendment constitutes the legal, valid and
binding obligation of the Borrower enforceable in accordance with its terms.

      SECTION 5 MISCELLANEOUS.

      5.1   Continuing Effectiveness, etc. This Amendment shall be deemed to be
an amendment to the Credit Agreement, and the Credit Agreement, as amended
hereby, shall remain in full force and effect and is hereby ratified, approved
and confirmed in each and every respect. After the effectiveness of this
Amendment in accordance with its terms, all references to the Credit Agreement
in the Loan Documents or in any other document, instrument, agreement or writing
shall be deemed to refer to the Credit Agreement as amended hereby.

      5.2   Payment of Costs and Expenses. The Borrower agrees to pay on demand
all expenses of the Agent (including the fees and out-of-pocket expenses of
counsel to the Agent) in connection with the negotiation, preparation, execution
and delivery of this Amendment.

      5.3   Severability. Any provision of this Amendment which is prohibited or
unenforceable in any jurisdiction shall, as to such provision and such
jurisdiction, be ineffective to the extent of such prohibition or
unenforceability without invalidating the remaining provisions of this Amendment
or affecting the validity or enforceability of such provision in any other
jurisdiction.

      5.4   Headings. The various headings of this Amendment are inserted for
convenience only and shall not affect the meaning or interpretation of this
Amendment or any provisions hereof.

      5.5   Execution in Counterparts. This Amendment may be executed by the
parties hereto in several counterparts, each of which shall be deemed to be an
original and all of which shall constitute together but one and the same
agreement.


                                      -3-
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      5.6   Governing Law. THIS AMENDMENT SHALL BE DEEMED TO BE A CONTRACT MADE
UNDER AND GOVERNED BY THE INTERNAL LAWS OF THE STATE OF ILLINOIS.

      5.7   Successors and Assigns. This Amendment shall be binding upon and
shall inure to the benefit of the parties hereto and their respective successors
and assigns.


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      IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
executed by their respective officers thereunto duly authorized as of the day
and year first above written.

                                    INTEGRA BANK CORPORATION


                                    By /s/ JAMES E. ADAMS
                                      ------------------------------------
                                       Title: Executive Vice President
                                             -----------------------------

                                      S-1
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Commitment: $8,800,000              BANK ONE, NA,
                                       individually and as Agent


                                    By /s/ CORY M. HELFAND
                                      ------------------------------

                                       Title: Vice President
                                             -----------------------


                                      S-2
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Commitment: $8,800,000              US BANK NATIONAL ASSOCIATION
                                    (formerly known as Firstar Bank Milwaukee,
                                    N.A.)


                                    By /s/ JON B. BEGGS
                                       ---------------------------------
                                       Title: Vice President
                                             ---------------------------

                                      S-3
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Commitment: $4,400,000              THE NORTHERN TRUST COMPANY


                                    By /s/ ALISA A. WAXMAN
                                       ---------------------------------
                                       Title: Vice President
                                             ---------------------------

                                      S-4