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                                                                      EXHIBIT 10

                       FIRST AMENDMENT TO CREDIT AGREEMENT


         THIS FIRST AMENDMENT TO CREDIT AGREEMENT, dated as of June 29,
2001(this "Amendment"), amends the Credit Agreement, dated as of June 30, 2000
(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 1.6 below.

         1.1 Facility Termination Date. The definition of "Facility Termination
Date" in Article I of the Credit Agreement is hereby amended by the deletion of
the date "June 29, 2001" and the substitution of the date "June 28, 2002"
therefor.

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

             "Applicable Margin" means, (i) with respect to Floating Rate Loans,
        0% per annum and (ii) with respect to Eurodollar Loans, (A) 1.00% per
        annum during any period when the outstanding principal amount of the
        Advances is less than 50% of the Aggregate Commitments and (B) 1.25% per
        annum during any period when the outstanding principal amount of the
        Advances is greater than or equal to 50% of the Aggregate Commitments.

         1.3 Loan Loss Reserves. The following definition of "Loan Loss
Reserves" is hereby added to Article I in proper alphabetical order:

             "Loan Loss Reserves" means reserves maintained by a Person against
        loan losses in accordance with Regulatory Accounting Principles.

         1.4 Consolidated Net Worth. Section 6.14(a) of the Credit Agreement is
hereby amended by the deletion of the date "December 31, 1999" and the
substitution therefor of the date "December 31, 2000."

         1.5 Ratio of Loan Loss Reserves to Non-Performing Assets. Section 6.14
of the Credit Agreement is hereby amended by the addition of the following at
the end:

             (c) Its ratio of Loan Loss Reserves to Non-Performing Assets to be
         less than 0.75 to 1.0 as of June 30, 2001 or 0.80 to 1.0 as of December
         31, 2001.

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         1.6 Double Leverage Ratio. Section 6.16 of the Credit Agreement is
hereby amended by the deletion of the number "1.15" and the substitution of the
number "1.20" therefore.

         SECTION 2 CONDITIONS PRECEDENT. This Amendment shall become effective
when each of the conditions precedent set forth in this Section 2 shall have
been satisfied, and notice thereof shall have been given by the Agent to the
Borrower and the Lenders.

         2.1 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.

             (c) Opinion of Counsel. An opinion, addressed to the Agent and all
         Lenders, from counsel to the Borrower.

         2.2 Amendment Fee. The Borrower shall have paid an amendment fee to the
Agent for the account of each of the Banks equal to 0.05% of said Bank's
Commitment.

         2.3 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) no Default or Unmatured Default shall have then occurred and be
         continuing.

         SECTION 3 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:

         3.1 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.


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             3.2 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.

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

         SECTION 4  MISCELLANEOUS.

         4.1 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.

         4.2 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.

         4.3 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.

         4.4 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.

         4.5 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.

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

         4.7 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
                                                   -----------------------------



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                                          BANK ONE, NA,
                                          individually and as Agent


                                          By /s/ Jennings F. Werner
                                             -----------------------------------
                                             Title: Managing Director
                                                   -----------------------------


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                                          FIRSTAR BANK, N.A.


                                          By /s/ John Beggs
                                             -----------------------------------
                                             Title: Vice President
                                                   -----------------------------



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                                          THE NORTHERN TRUST COMPANY


                                          By /s/ Alisa Waxman
                                             -----------------------------------
                                             Title: Vice President
                                                    ----------------------------