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                                                                     Exhibit 4.4

                                     EGTRRA
                                AMENDMENT TO THE

                   UNITED-LAFAYETTE 401(K) PROFIT SHARING PLAN

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                                    ARTICLE I
                                    PREAMBLE

1.1  Adoption and effective date of amendment. This amendment of the plan is
     adopted to reflect certain provisions of the Economic Growth and Tax Relief
     Reconciliation Act of 2001 ("EGTRRA"). This amendment is intended as good
     faith compliance with the requirements of EGTRRA and is to be construed in
     accordance with EGTRRA and guidance issued thereunder. Except as otherwise
     provided, this amendment shall be effective as of the first day of the
     first plan year beginning after December 31, 2001.

1.2  Supersession of inconsistent provisions. This amendment shall supersede the
     provisions of the plan to the extent those provisions are inconsistent with
     the provisions of this amendment.

                                   ARTICLE II
                          ADOPTION AGREEMENT ELECTIONS

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     The questions in this Article II only need to be completed in order to
     override the default provisions set forth below. If all of the default
     provisions will apply, then these questions should be skipped.

     Unless the employer elects otherwise in this Article II, the following
     defaults apply:

     1)   The vesting schedule for matching contributions will be a 6 year
          graded schedule (if the plan currently has a graded schedule that does
          not satisfy EGTRRA) or a 3 year cliff schedule (if the plan currently
          has a cliff schedule that does not satisfy EGTRRA), and such schedule
          will apply to all matching contributions (even those made prior to
          2002).
     2)   Rollovers are automatically excluded in determining whether the $5,000
          threshold has been exceeded for automatic cash-outs (if the plan is
          not subject to the qualified joint and survivor annuity rules and
          provides for automatic cash-outs). This is applied to all participants
          regardless of when the distributable event occurred.
     3)   The suspension period after a hardship distribution is made will be 6
          months and this will only apply to hardship distributions made after
          2001.
     4)   Catch-up contributions will be allowed.
     5)   For target benefit plans, the increased compensation limit of $200,000
          will be applied retroactively (i.e., to years prior to 2002).

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2.1  Vesting Schedule for Matching Contributions

     If there are matching contributions subject to a vesting schedule that does
     not satisfy EGTRRA, then unless otherwise elected below, for participants
     who complete an hour of service in a plan year beginning after December 31,
     2001, the following vesting schedule will apply to all matching
     contributions subject to a vesting schedule:

     If the plan has a graded vesting schedule (i.e., the vesting schedule
     includes a vested percentage that is more than 0% and less than 100%) the
     following will apply:

     Years of vesting service    Nonforfeitable percentage
     ------------------------    -------------------------
              2                             20%
              3                             40%
              4                             60%
              5                             80%
              6                            100%

     If the plan does not have a graded vesting schedule, then matching
     contributions will be nonforfeitable upon the completion of 3 years of
     vesting service.

     In lieu of the above vesting schedule, the employer elects the following
     schedule:

     a.   [ ]   3 year cliff (a participant's accrued benefit derived from
                employer matching contributions shall be nonforfeitable upon the
                participant's completion of three years of vesting service).

     b.   [ ]   6 year graded schedule (20% after 2 years of vesting service and
                an additional 20% for each year thereafter).

     c.   [ ]   Other (must be at least as liberal as a. or the b. above):

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                Years of vesting service    Nonforfeitable percentage
                ------------------------    -------------------------

                                                             %
                      --------                      ---------
                                                             %
                      --------                      ---------
                                                             %
                      --------                      ---------
                                                             %
                      --------                      ---------
                                                             %
                      --------                      ---------

     The vesting schedule set forth herein shall only apply to participants who
     complete an hour of service in a plan year beginning after December 31,
     2001, and, unless the option below is elected, shall apply to all matching
     contributions subject to a vesting schedule.

     d.   [ ]   The vesting schedule will only apply to matching contributions
                made in plan years beginning after December 31, 2001 (the prior
                schedule will apply to matching contributions made in prior plan
                years).

2.2  Exclusion of Rollovers in Application of Involuntary Cash-out Provisions
     (for profit sharing and 401(k) plans only). If the plan is not subject to
     the qualified joint and survivor annuity rules and includes involuntary
     cash-out provisions, then unless one of the options below is elected,
     effective for distributions made after December 31, 2001, rollover
     contributions will be excluded in determining the value of the
     participant's nonforfeitable account balance for purposes of the plan's
     involuntary cash-out rules.

     a.   [ ]   Rollover contributions will not be excluded.

     b.   [ ]   Rollover contributions will be excluded only with respect to
                distributions made after        . (Enter a date no earlier than
                                         -------
                December 31, 2001.)

     c.   [ ]   Rollover contributions will only be excluded with respect to
                participants who separated from service after         .
                                                              --------
                (Enter a date. The date may be earlier than December 31, 2001.)

2.3  Suspension period of hardship distributions. If the plan provides for
     hardship distributions upon satisfaction of the safe harbor (deemed)
     standards as set forth in Treas. Reg. Section 1.401(k)-1(d)(2)(iv), then,
     unless the option below is elected, the suspension period following a
     hardship distribution shall only apply to hardship distributions made after
     December 31, 2001.

          [ ]   With regard to hardship distributions made during 2001, a
                participant shall be prohibited from making elective deferrals
                and employee contributions under this and all other plans until
                the later of January 1, 2002, or 6 months after receipt of the
                distribution.

2.4  Catch-up contributions (for 401(k) profit sharing plans only): The plan
     permits catch-up contributions (Article VI) unless the option below is
     elected.

          [ ]   The plan does not permit catch-up contributions to be made.

2.5  For target benefit plans only: The increased compensation limit ($200,000
     limit) shall apply to years prior to 2002 unless the option below is
     elected.

          [ ]   The increased compensation limit will not apply to years prior
                to 2002.

                                   ARTICLE III
                        VESTING OF MATCHING CONTRIBUTIONS

3.1  Applicability. This Article shall apply to participants who complete an
     Hour of Service after December 31, 2001, with respect to accrued benefits
     derived from employer matching contributions made in plan years beginning
     after December 31, 2001. Unless otherwise elected by the employer in
     Section 2.1 above, this Article shall also apply to all such participants
     with respect to accrued benefits derived from employer matching
     contributions made in plan years beginning prior to January 1, 2002.

3.2  Vesting schedule. A participant's accrued benefit derived from employer
     matching contributions shall vest as provided in Section 2.1 of this
     amendment.

                                   ARTICLE IV
                              INVOLUNTARY CASH-OUTS

4.1  Applicability and effective date. If the plan provides for involuntary
     cash-outs of amounts less than $5,000, then unless otherwise elected in
     Section 2.2 of this amendment, this Article shall apply for distributions
     made after December 31, 2001, and shall apply to all participants. However,
     regardless of the preceding, this Article shall not apply if the plan is
     subject to the qualified joint and survivor annuity requirements of
     Sections 401(a)(11) and 417 of the Code.

4.2  Rollovers disregarded in determining value of account balance for
     involuntary distributions. For purposes of the Sections of the plan that
     provide for the involuntary distribution of vested accrued benefits of
     $5,000 or less, the value of a participant's nonforfeitable account balance
     shall be determined without regard to that portion of the account balance
     that is attributable to rollover contributions (and earnings allocable
     thereto) within the meaning of Sections

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     402(c), 403(a)(4), 403(b)(8), 408(d)(3)(A)(ii), and 457(e)(16) of the Code.
     If the value of the participant's nonforfeitable account balance as so
     determined is $5,000 or less, then the plan shall immediately distribute
     the participant's entire nonforfeitable account balance.

                                    ARTICLE V
                             HARDSHIP DISTRIBUTIONS

5.1  Applicability and effective date. If the plan provides for hardship
     distributions upon satisfaction of the safe harbor (deemed) standards as
     set forth in Treas. Reg. Section 1.401(k)-1(d)(2)(iv), then this Article
     shall apply for calendar years beginning after 2001.

5.2  Suspension period following hardship distribution. A participant who
     receives a distribution of elective deferrals after December 31, 2001, on
     account of hardship shall be prohibited from making elective deferrals and
     employee contributions under this and all other plans of the employer for 6
     months after receipt of the distribution. Furthermore, if elected by the
     employer in Section 2.3 of this amendment, a participant who receives a
     distribution of elective deferrals in calendar year 2001 on account of
     hardship shall be prohibited from making elective deferrals and employee
     contributions under this and all other plans until the later of January 1,
     2002, or 6 months after receipt of the distribution.

                                   ARTICLE VI
                             CATCH-UP CONTRIBUTIONS

Catch-up Contributions. Unless otherwise elected in Section 2.4 of this
amendment, all employees who are eligible to make elective deferrals under this
plan and who have attained age 50 before the close of the plan year shall be
eligible to make catch-up contributions in accordance with, and subject to the
limitations of, Section 414(v) of the Code. Such catch-up contributions shall
not be taken into account for purposes of the provisions of the plan
implementing the required limitations of Sections 402(g) and 415 of the Code.
The plan shall not be treated as failing to satisfy the provisions of the plan
implementing the requirements of Section 401(k)(3), 401(k)(11), 401(k)(12),
410(b), or 416 of the Code, as applicable, by reason of the making of such
catch-up contributions.

                                   ARTICLE VII
                         INCREASE IN COMPENSATION LIMIT

Increase in Compensation Limit. The annual compensation of each participant
taken into account in determining allocations for any plan year beginning after
December 31, 2001, shall not exceed $200,000, as adjusted for cost-of-living
increases in accordance with Section 401(a)(17)(B) of the Code. Annual
compensation means compensation during the plan year or such other consecutive
12-month period over which compensation is otherwise determined under the plan
(the determination period). If this is a target benefit plan, then except as
otherwise elected in Section 2.5 of this amendment, for purposes of determining
benefit accruals in a plan year beginning after December 31, 2001, compensation
for any prior determination period shall be limited to $200,000. The
cost-of-living adjustment in effect for a calendar year applies to annual
compensation for the determination period that begins with or within such
calendar year.

                                  ARTICLE VIII
                                   PLAN LOANS

Plan loans for owner-employees or shareholder-employees. If the plan permits
loans to be made to participants, then effective for plan loans made after
December 31, 2001, plan provisions prohibiting loans to any owner-employee or
shareholder-employee shall cease to apply.

                                   ARTICLE IX
              LIMITATIONS ON CONTRIBUTIONS (IRC SECTION 415 LIMITS)

9.1  Effective date. This Section shall be effective for limitation years
     beginning after December 31, 2001.

9.2  Maximum annual addition. Except to the extent permitted under Article VI of
     this amendment and Section 414(v) of the Code, if applicable, the annual
     addition that may be contributed or allocated to a participant's account
     under the plan for any limitation year shall not exceed the lesser of:

     a. $40,000, as adjusted for increases in the cost-of-living under Section
     415(d) of the Code, or

     b. 100 percent of the participant's compensation, within the meaning of
     Section 415(c)(3) of the Code, for the limitation year.

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     The compensation limit referred to in b. shall not apply to any
     contribution for medical benefits after separation from service (within the
     meaning of Section 401(h) or Section 419A(f)(2) of the Code) which is
     otherwise treated as an annual addition.

                                    ARTICLE X
                         MODIFICATION OF TOP-HEAVY RULES

10.1 Effective date. This Article shall apply for purposes of determining
     whether the plan is a top-heavy plan under Section 416(g) of the Code for
     plan years beginning after December 31, 2001, and whether the plan
     satisfies the minimum benefits requirements of Section 416(c) of the Code
     for such years. This Article amends the top-heavy provisions of the plan.

10.2 Determination of top-heavy status.

10.2.1 Key employee. Key employee means any employee or former employee
     (including any deceased employee) who at any time during the plan year that
     includes the determination date was an officer of the employer having
     annual compensation greater than $130,000 (as adjusted under Section
     416(i)(1) of the Code for plan years beginning after December 31, 2002), a
     5-percent owner of the employer, or a 1-percent owner of the employer
     having annual compensation of more than $150,000. For this purpose, annual
     compensation means compensation within the meaning of Section 415(c)(3) of
     the Code. The determination of who is a key employee will be made in
     accordance with Section 416(i)(1) of the Code and the applicable
     regulations and other guidance of general applicability issued thereunder.

10.2.2 Determination of present values and amounts. This Section 10.2.2 shall
     apply for purposes of determining the present values of accrued benefits
     and the amounts of account balances of employees as of the determination
     date.

     a.   Distributions during year ending on the determination date. The
          present values of accrued benefits and the amounts of account balances
          of an employee as of the determination date shall be increased by the
          distributions made with respect to the employee under the plan and any
          plan aggregated with the plan under Section 416(g)(2) of the Code
          during the 1-year period ending on the determination date. The
          preceding sentence shall also apply to distributions under a
          terminated plan which, had it not been terminated, would have been
          aggregated with the plan under Section 416(g)(2)(A)(i) of the Code. In
          the case of a distribution made for a reason other than separation
          from service, death, or disability, this provision shall be applied by
          substituting "5-year period" for "1-year period."

     b.   Employees not performing services during year ending on the
          determination date. The accrued benefits and accounts of any
          individual who has not performed services for the employer during the
          1-year period ending on the determination date shall not be taken into
          account.

10.3 Minimum benefits.

10.3.1 Matching contributions. Employer matching contributions shall be taken
     into account for purposes of satisfying the minimum contribution
     requirements of Section 416(c)(2) of the Code and the plan. The preceding
     sentence shall apply with respect to matching contributions under the plan
     or, if the plan provides that the minimum contribution requirement shall be
     met in another plan, such other plan. Employer matching contributions that
     are used to satisfy the minimum contribution requirements shall be treated
     as matching contributions for purposes of the actual contribution
     percentage test and other requirements of Section 401(m) of the Code.

10.3.2 Contributions under other plans. The employer may provide, in an addendum
     to this amendment, that the minimum benefit requirement shall be met in
     another plan (including another plan that consists solely of a cash or
     deferred arrangement which meets the requirements of Section 401(k)(12) of
     the Code and matching contributions with respect to which the requirements
     of Section 401(m)(11) of the Code are met). The addendum should include the
     name of the other plan, the minimum benefit that will be provided under
     such other plan, and the employees who will receive the minimum benefit
     under such other plan.

                                   ARTICLE XI
                                DIRECT ROLLOVERS

11.1 Effective date. This Article shall apply to distributions made after
     December 31, 2001.

11.2 Modification of definition of eligible retirement plan. For purposes of the
     direct rollover provisions of the plan, an eligible retirement plan shall
     also mean an annuity contract described in Section 403(b) of the Code and
     an eligible plan under Section 457(b) of the Code which is maintained by a
     state, political subdivision of a state, or any agency or instrumentality
     of a state or political subdivision of a state and which agrees to
     separately account for amounts transferred into such plan from this plan.
     The definition of eligible retirement plan shall also apply in the case of
     a distribution to a surviving spouse, or to a spouse or former spouse who
     is the alternate payee under a qualified domestic

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     relation order, as defined in Section 414(p) of the Code.

11.3 Modification of definition of eligible rollover distribution to exclude
     hardship distributions. For purposes of the direct rollover provisions of
     the plan, any amount that is distributed on account of hardship shall not
     be an eligible rollover distribution and the distributee may not elect to
     have any portion of such a distribution paid directly to an eligible
     retirement plan.

11.4 Modification of definition of eligible rollover distribution to include
     after-tax employee contributions. For purposes of the direct rollover
     provisions in the plan, a portion of a distribution shall not fail to be an
     eligible rollover distribution merely because the portion consists of
     after-tax employee contributions which are not includible in gross income.
     However, such portion may be transferred only to an individual retirement
     account or annuity described in Section 408(a) or (b) of the Code, or to a
     qualified defined contribution plan described in Section 401(a) or 403(a)
     of the Code that agrees to separately account for amounts so transferred,
     including separately accounting for the portion of such distribution which
     is includible in gross income and the portion of such distribution which is
     not so includible.

                                   ARTICLE XII
                           ROLLOVERS FROM OTHER PLANS

Rollovers from other plans. The employer, operationally and on a
nondiscriminatory basis, may limit the source of rollover contributions that may
be accepted by this plan.

                                  ARTICLE XIII
                           REPEAL OF MULTIPLE USE TEST

Repeal of Multiple Use Test. The multiple use test described in Treasury
Regulation Section 1.401(m)-2 and the plan shall not apply for plan years
beginning after December 31, 2001.

                                   ARTICLE XIV
                               ELECTIVE DEFERRALS

14.1 Elective Deferrals - Contribution Limitation. No participant shall be
     permitted to have elective deferrals made under this plan, or any other
     qualified plan maintained by the employer during any taxable year, in
     excess of the dollar limitation contained in Section 402(g) of the Code in
     effect for such taxable year, except to the extent permitted under Article
     VI of this amendment and Section 414(v) of the Code, if applicable.

14.2 Maximum Salary Reduction Contributions for SIMPLE plans. If this is a
     SIMPLE 401(k) plan, then except to the extent permitted under Article VI of
     this amendment and Section 414(v) of the Code, if applicable, the maximum
     salary reduction contribution that can be made to this plan is the amount
     determined under Section 408(p)(2)(A)(ii) of the Code for the calendar
     year.

                                   ARTICLE XV
                           SAFE HARBOR PLAN PROVISIONS

Modification of Top-Heavy Rules. The top-heavy requirements of Section 416 of
the Code and the plan shall not apply in any year beginning after December 31,
2001, in which the plan consists solely of a cash or deferred arrangement which
meets the requirements of Section 401(k)(12) of the Code and matching
contributions with respect to which the requirements of Section 401(m)(11) of
the Code are met.

                                   ARTICLE XVI
                    DISTRIBUTION UPON SEVERANCE OF EMPLOYMENT

16.1 Effective date. This Article shall apply for distributions and transactions
     made after December 31, 2001, regardless of when the severance of
     employment occurred.

16.2 New distributable event. A participant's elective deferrals, qualified
     nonelective contributions, qualified matching contributions, and earnings
     attributable to these contributions shall be distributed on account of the
     participant's severance from employment. However, such a distribution shall
     be subject to the other provisions of the plan regarding distributions,
     other than provisions that require a separation from service before such
     amounts may be distributed.

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This amendment has been executed this 21st day of February, 2003.

Name of Employer: United Fire & Casualty Company


By: /s/ John A. Rife
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             EMPLOYER

Name of Plan: United-Lafayette 401(k) Profit Sharing Plan

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