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                                                                    Exhibit 10.3

                       AMENDMENT TO EMPLOYMENT AGREEMENT

          THIS AMENDMENT TO EMPLOYMENT AGREEMENT ("Amendment"), is made and
entered into as of the 12th day of February, 1999, by and between First
Commonwealth, Inc., a Delaware corporation (the "Company"), and Greg D. Stobbe,
an individual resident of the State of Illinois ("Employee").

                              W I T N E S S E T H:
                              - - - - - - - - - - 

          WHEREAS, the Company and Employee are parties to an Employment
Agreement dated March 1, 1991 and amended January 23, 1995 (the "Employment
Agreement"); and

          WHEREAS, the Company and Employee desire to amend such Employment
Agreement on the terms and subject to the conditions contained herein;

          NOW, THEREFORE, in consideration of the mutual promises and agreements
contained in this Amendment, the receipt and sufficiency of which is
acknowledged by the parties, the parties agree as follows:

          1.   Paragraph 4 of Section 2 of the Agreement is hereby amended to
read in its entirety as follows:

          "4.  Termination Without Cause.  This Agreement may be terminated by
     the Company without "good cause," provided that, in such event, the Company
     shall continue to pay the Employee his or her then current base salary for
     a period of twelve (12) months following such termination as if the
     Employee were continuing his/her duties and shall continue employee
     benefits then in existence for a period of six (6) months following such
     termination."

          2.   As of the date hereof, the amount of the Base Salary in Paragraph
1 of Section 3 is hereby amended to read "$115,000.08."

          3.   The first sentence of Paragraph 5 of Section 2 is hereby amended
and restated in its entirety as follows:

          "Employee may terminate this Agreement upon sixty (60) days written
     notice to Company."

          4.   Paragraph 3 of Section 5 is hereby amended and restated in its
entirety to read as follows:
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          "3.  Restrictive covenants.  Employee recognizes that the Company's
entering into this Agreement is induced primarily because of the covenants and
assurances made by the Employee, that Employee's covenant not to compete is
necessary to insure the continuation of the business of the Company and its
Affiliates, and that irreparable harm and damage will be done to the Company and
its Affiliates in the event that Employee competes with the Company or its
Affiliates within the geographic area and the time periods described below.
Therefore, Employee agrees as follows:

          a.  During the term of this Agreement, Employee will not directly or
     indirectly own, manage, operate, control, participate in the management or
     control of, be employed by, lend his or her name to, or maintain or
     continue any financial interest whatsoever in any business or enterprise
     having to do with the provision, distribution, marketing, promotion, or
     advertising of any services or products similar to those offered by the
     Company within the United States or its territories and possessions.

          b.  For a period of twelve (12) months after the termination of this
     Agreement, Employee will not directly or indirectly own, manage, operate,
     control, participate in the management or control of, be employed by, lend
     his or her name to, or maintain or continue any financial interest
     whatsoever in any business or enterprise of the type and character engaged
     in and competitive with that of the Company or any of its Affiliates within
     any jurisdiction or marketing area in which the Company or any Affiliate is
     doing business or is qualified to do business.

          c.  For a period of one year after the termination of this Agreement,
     for any reason, Employee shall not persuade or attempt to persuade any
     employee of the Company or its Affiliates, to leave the Company's or such
     Affiliate's employ, or to become employed by any person, firm or
     corporation other than the Company or such Affiliate.

          d.  For a period of one year after the termination of this Agreement,
     Employee shall not persuade or attempt to persuade any client or
     participating dentist providers to hire or affiliate with another company.

          e.  For a period of one year after the termination of this Agreement,
     Employee shall not solicit for himself or herself or any person, firm or
     corporation other than the Company or any of its Affiliates the business of
     any company or dental provider which is a customer, client of, or party to
     a contract with the Company or any of its Affiliates.

          f.  These restrictions against competition are considered by the
     parties to be reasonable for the purposes of protecting the business of the
     Company.  It is the desire and intent of the parties to this Agreement that
     the provisions of this Section 5.3 shall be enforced to the fullest extent
     permissible under the laws and public policies applied in each jurisdiction
     in which enforcement is sought.  If any particular provision or portion of
     this Section 5.3 shall be adjudicated to be invalid or unenforceable, this
     Section shall be 
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     deemed amended to extend only over the maximum period of time, range of
     activities, or geographic area as to which it may be enforceable, such
     amendment to apply only with respect to the operation of such Section in
     the particular jurisdiction in which such adjudication is made.

          4.  Remedies.  The parties recognize that the performance of the
     obligations under Sections 5.1, 5.2 and 5.3 by the Employee are special,
     unique and extraordinary in character, and that in the event of the breach
     by the Employee of the terms and conditions of Section 5.1, 5.2 and/or 5.3
     to be performed, the Company shall be entitled, if it so elects, to
     institute and prosecute proceedings in any court of competent jurisdiction,
     either in law or in equity, to obtain damages for any breach of Section
     5.1, 5.2 and/or 5.3 to enforce the specific performance thereof by such
     Employee or to enjoin such Employee from performing services for such other
     person, firm or corporation."

          4.   Except as specifically provided in this Amendment to the
Agreement, this Amendment shall not by implication or otherwise alter, modify,
amend or in any such way affect any of the terms, conditions, obligations,
covenants or agreements contained in the Agreement, all of which are ratified
and affirmed in all respects and shall continue in full force and effect.  In
the event of any conflict between the terms of this Amendment and the Agreement,
the terms of this Amendment shall govern.

          IN WITNESS WHEREOF, the parties hereto have caused this Amendment to
the Agreement to be duly executed, all as of the date and year first above
written.

                       FIRST COMMONWEALTH, INC.

                       By: /s/ David W. Mulligan
                           ---------------------
                           Name: David W. Mulligan
                           Title: President



                       EMPLOYEE

                       By: /s/ Gregory D. Stobbe
                           ---------------------
                           Name: Gregory D. Stobbe