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                                                                   Exhibit 10.13


                              EMPLOYMENT AGREEMENT

         This Agreement is entered into this 17th day of May, 1996, by and
between Borror Corporation (hereinafter called the "Company") and Robert A.
Meyer, Jr. (hereinafter called the "Employee").

         WHEREAS, the Employee has been employed by the Company since January 1,
1994, and currently serves as Senior Vice President, General Counsel and
Secretary; and

         WHEREAS, the Employee desires to continue his employment with the
Company and to continue to serve the Company as Senior Vice President, General
Counsel and Secretary; and

         WHEREAS, the Company desires to continue to retain the services of the
Employee as Senior Vice President, General Counsel and Secretary; and

         WHEREAS, the Company and the Employee desire to enter into an
employment agreement to establish the rights and obligations of the Employee and
the Company in such employment relationship;

         NOW, THEREFORE, and in consideration of the mutual covenants herein
contained, the Company and the Employee hereby mutually agree as follows:

         1. EMPLOYMENT AND DUTIES. The Company hereby continues to employ the
Employee, and the Employee hereby accepts continued employment with the Company
upon the terms and conditions hereinafter set forth. The Employee shall continue
to serve the Company as Senior Vice President, General Counsel and Secretary. In
such capacity, the Employee shall have all powers, duties, and obligations as
are normally associated with such position. The Employee shall further perform
such other duties related to the business of the Company as may from time to
time be reasonably requested of him by the President/CEO. The Employee shall
devote all of his skills, time, and attention solely and exclusively to said
position and in furtherance of the business and interests of the Company.

         2. TERM OF EMPLOYMENT. This Agreement shall be effective upon execution
by both parties and approval by the Compensation Committee of the Company's
Board of Directors. The term of employment shall begin, or be deemed to have
begun, on January 1, 1996 (the "Effective Date"). It shall continue through the
three-year period ending on the day before the third anniversary date of the
Effective Date, subject, however, to prior termination or to extension, as
herein provided.

         3. COMPENSATION. For such services, the Employee shall receive an
initial annual base salary of One Hundred Thirty-five Thousand Dollars
($135,000.00), which may be increased, but not decreased, by the Company during
the term of this Agreement. In the event that the Company increases the
Employee's initial base salary, the amount of the initial base salary, together
with any increase(s), shall be his base salary. Said base salary shall be
payable in equal installments in accordance with the Company's regular payroll
practices. In addition, the Employee shall be included in the bonus program, as
described
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in Appendix A which is attached hereto and made a part hereof. Notwithstanding
the provisions of Paragraph 19, Appendix A may be amended, on a calendar year
basis, during the term of this Agreement (and any extensions thereof), by the
Board of Directors of the Company.

         4. FRINGE BENEFITS. The Company shall further provide the Employee with
all health and life insurance coverages, sick leave and disability programs,
tax-qualified retirement plans, stock option plans, paid holidays and vacations,
perquisites, and such other fringe benefits of employment as the Company may
provide from time to time to actively employed executives of the Company who are
similarly situated. Notwithstanding the preceding provisions of this Paragraph
4, during the term of this Agreement (including extensions thereof), the
Employee shall be entitled to a minimum of three (3) weeks of vacation per year.

         5. EXTENSION OF TERM OF AGREEMENT. The Company and the Employee agree
that the Company's Board of Directors shall, based upon recommendations of the
Company's President/CEO, review the Employee's performance with the intent that,
if the Employee's performance so warrants, the Board may extend the term of this
Agreement for additional three-year periods. By the day preceding the first
anniversary date of the Effective Date, the Board shall notify the Employee of
its decision whether to grant an extension of this Agreement for an additional
three-year period. To the extent that the Board fails to notify the Employee, on
or before the date described in the preceding sentence, of the extension of the
term of this Agreement, the term of this Agreement shall be automatically
extended for an additional three-year period. By way of illustration of this
Paragraph 5, if, by December 31, 1996, the Board notifies the Employee that it
intends to grant an extension of the term of this Agreement (or, if by such
date, the Board fails to notify the Employee that it does not intend to grant
such an extension), the term of this Agreement shall be extended for an
additional three-year period beginning on January 1, 1997 and ending on December
31, 2000. This Agreement shall be subject to extension in the manner set forth
in this paragraph for additional three-year periods on the first anniversary
date of the Effective Date of the immediately preceding extension.

         6. TERMINATION OF EMPLOYMENT.

         a.       Termination of Employment Other Than by Employee. The
                  Employee's employment hereunder may be terminated by the
                  Company. However, the Company shall be deemed to have
                  terminated the employment for "cause" only upon the following:

                           i.       Any unauthorized material disclosure by the
                                    Employee of the Company's business practices
                                    or accounts to a competitor which results in
                                    serious damage to the Company.

                           ii.      Willful and wrongful misappropriation by the
                                    Employee of funds, property, or rights of
                                    the Company which results in serious damage
                                    to the Company.

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                           iii.     Willful and wrongful destruction of business
                                    records or other property by the Employee,
                                    which results in serious damage to the
                                    Company.

                           iv.      Conviction of the Employee of a felony
                                    involving moral turpitude, or, as the result
                                    of a plea bargain, conviction of the
                                    Employee of a misdemeanor; provided, the
                                    Employee was originally charged (prior to
                                    the plea bargain) with a felony involving
                                    moral turpitude.

                           v.       Gross and willful misconduct by the Employee
                                    which results in serious damage to the
                                    Company.

                           vi.      The Employee's material breach of, or
                                    inability to perform his obligations under,
                                    this Agreement other than by reason of
                                    Disability.

         b.       Termination of Employment by Employee. The Employee may
                  terminate his employment at any time. However, he shall be
                  deemed to have terminated his employment for "Good Reason"
                  only if he terminates his employment by giving Notice of
                  Termination pursuant to Paragraphs 6(d) and 6(e)(iii) within
                  ninety (90) days after the occurrence of any of the following
                  events (provided the Company does not cure such event within
                  ten (10) days following its receipt of the Employee's Notice
                  of Termination):

                           i.       The Employee's base salary is reduced for
                                    any reason other than in connection with the
                                    termination of his employment.

                           ii.      For any reason other than in connection with
                                    the termination of the Employee's
                                    employment, the Company materially reduces
                                    any fringe benefit provided to the Employee
                                    under Paragraph 4 below the level of such
                                    fringe benefit provided generally to other
                                    actively employed similarly situated
                                    executives of the Company, unless the
                                    Company agrees to fully compensate the
                                    Employee for any such material reduction.

                           iii.     The Company assigns the Employee to duties
                                    inconsistent in any respect with his
                                    position (including, without limitation, his
                                    status, office, and title), authority,
                                    duties or responsibilities as set forth by
                                    Paragraph 1, or takes any other action that
                                    results in a material diminution in such
                                    position, authority, duties, or
                                    responsibilities.

                           iv.      The Company otherwise materially breaches,
                                    or is unable to perform its obligations
                                    under this Agreement.

         c.       Termination of Employment Upon Death or Disability of the
                  Employee. The Employee's employment hereunder shall terminate
                  upon his death, and may

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                  be terminated by the Company in the event of his Disability.
                  For purposes of this Agreement, "Disability" means the
                  inability of the Employee due to illness, accident, or
                  otherwise, to perform his duties for the period of time during
                  which benefits are payable to the Employee under the Company's
                  Short-Term Disability Plan, as determined by an independent
                  physician selected by the Company and reasonably acceptable to
                  the Employee (or his legal representative), provided that the
                  Employee does not return to work on a substantially full-time
                  basis within thirty (30) days after Notice of Termination is
                  given by the Company pursuant to the provisions of Paragraphs
                  6(d) and 6(e)(ii).

         d.       Notice of Termination. Any termination of the Employee's
                  employment by the Company hereunder, or by the Employee other
                  than termination upon the Employee's death, shall be
                  communicated by written Notice of Termination to the other
                  party. For purposes of this Agreement, a "Notice of
                  Termination" means a notice that shall indicate the specific
                  termination provision in this Agreement relied upon, and shall
                  set forth in reasonable detail the facts and circumstances
                  claimed to provide a basis for termination of the Employee's
                  employment under the provision so indicated.

         e.       Date of Termination. "Date of Termination" means:

                           i.       If the Employee's employment is terminated
                                    by his death, the date of his death.

                           ii.      If the Employee's employment is terminated
                                    by the Company as a result of Disability
                                    pursuant to Paragraph 6(c), the date that is
                                    thirty (30) days after Notice of Termination
                                    is given; provided the Employee shall not
                                    have returned to the performance of his
                                    duties on a full-time basis during such
                                    thirty- (30-) day period.

                           iii.     If the Employee terminates his employment
                                    for Good Reason pursuant to Paragraph 6(b),
                                    the date that is ten (10) days after Notice
                                    of Termination is given (provided that the
                                    Company does not cure such event during that
                                    ten- (10-) day period).

                           iv.      If the Employee terminates his employment
                                    other than for Good Reason, the date that is
                                    two (2) weeks after Notice of Termination is
                                    given; provided, in the sole discretion of
                                    the Company, such date may be any earlier
                                    date after Notice of Termination is given.

                           v.       If the Employee's employment is terminated
                                    by the Company either for Cause pursuant to
                                    Paragraph 6(a) or other than for Cause, the
                                    date on which the Notice of Termination is
                                    given.

         7. AMOUNTS PAYABLE UPON TERMINATION OF EMPLOYMENT OR DURING DISABILITY.

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         a.       Death. If the Employee's employment is terminated by his
                  death, the Employee's beneficiary (as designated by the
                  Employee in writing with the Company prior to his death) shall
                  be entitled to the following payments and benefits: (i) any
                  base salary that is accrued but unpaid, any vacation that is
                  accrued but unused, and any business expenses that are
                  unreimbursed -- all, as of the Date of Termination; (ii) a pro
                  rata award under the bonus program described in Appendix A
                  which is applicable to the Employee at the time of his death,
                  with proration based on service completed during the calendar
                  year for which the award is determined, and payable when the
                  award would have been paid had the Employee's employment not
                  terminated; and (iii) any benefit following termination of
                  employment which may be provided under the fringe benefit
                  plans, policies and programs described in Paragraph 4. In the
                  absence of a beneficiary designation by the Employee, or, if
                  the Employee's designated beneficiary does not survive the
                  Employee, benefits described in this Paragraph 7(a) shall be
                  paid to the Employee's estate.

         b.       Disability.

                           i.       During any period that the Employee fails to
                                    perform his duties hereunder as a result of
                                    incapacity due to physical or mental illness
                                    ("Disability Period"), the Employee shall
                                    continue to receive his base salary at the
                                    rate then in effect for such period until
                                    his employment is terminated pursuant to
                                    Paragraph 6(c); provided, however, that
                                    payments of base salary so made to the
                                    Employee shall be reduced by the sum of the
                                    amounts, if any, that were payable to the
                                    Employee at or before the time of any such
                                    salary payment under any disability benefit
                                    plan or plans of the Company and that were
                                    not previously applied to reduce any payment
                                    of base salary.

                           ii.      Upon his termination of employment because
                                    of Disability [as described in Paragraph
                                    6(c)], the Employee shall be entitled to the
                                    payments and benefits described in Paragraph
                                    7(a) as if the Employee had died on his Date
                                    of Termination. In the event of the
                                    Employee's death prior to the time that all
                                    payments described in Paragraph 7(a) have
                                    been completed, such payments and benefits
                                    shall be paid to the Employee's beneficiary
                                    [as designated pursuant to Paragraph 7(a)],
                                    or, in the absence of a beneficiary
                                    designation or if the designated beneficiary
                                    does not survive the Employee, to the
                                    Employee's estate.

         c.       Termination by Company Without Cause, or Termination by
                  Employee for Good Reason. In the event that the Company
                  terminates the Employee's employment without Cause or the
                  Employee terminates his employment for Good Reason before the
                  expiration of the term of this Agreement, including any
                  extension thereof, the Employee shall be entitled to the
                  following payments and benefits:

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                           i.       Those described in Paragraph 7(a) as if the
                                    Employee had died on his Date of Termination

                           ii.      Within thirty (30) days after the Date of
                                    Termination, a lump sum cash payment equal
                                    to one (1) year of the base salary
                                    applicable to the Employee on the Date of
                                    Termination.

                           iii.     Within thirty (30) days after the Date of
                                    Termination, a lump sum cash payment equal
                                    to eighteen (18) months of the premium
                                    applicable to the Employee on the Date of
                                    Termination for the Employee and his family
                                    (provided the Employee had family coverage
                                    on the Date of Termination) under the
                                    Company's group health plan.

         d.       Termination by Employee Other Than for Good Reason, or
                  Termination by Company for Cause. In the event that the
                  Employee terminates his employment other than for Good Reason
                  or the Company terminates his employment for Cause, the
                  Employee shall not be entitled to any compensation except as
                  set forth below:

                           i.       Any base salary (but not bonus) that is
                                    accrued but unpaid, any vacation that is
                                    accrued but unused, and any business
                                    expenses that are unreimbursed -- all, as of
                                    the Date of Termination.

                           ii.      Any other rights and benefits (if any)
                                    provided under plans and programs of the
                                    Company (excluding any bonus program),
                                    determined in accordance with the applicable
                                    terms and provisions of such plans and
                                    programs.

         e.       No Duty to Mitigate Damages. After any Date of Termination,
                  the Employee shall have no obligation to seek other
                  employment, but shall have the right to be otherwise employed,
                  and any compensation of any type whatsoever received by the
                  Employee in connection with such employment shall not be
                  offset by the Company against any of the obligations of the
                  Company under this Agreement.

         8. CHANGE IN CONTROL.

         a.       Occurrence of Change in Control. Immediately upon the
                  occurrence of a "Change in Control," the Employee shall become
                  fully vested in all employee benefit programs (other than any
                  tax qualified retirement plan, the Employee's interest in
                  which shall vest in accordance with such plan's terms),
                  including without limitation, all stock options in which he
                  was a participant at the time of the Change in Control. For
                  purposes of this Agreement, the term "Change in Control" shall
                  mean the occurrence of any event which results in either (a)
                  Borror Realty Company's failing to own at least thirty percent
                  (30%) of the combined voting power of the then outstanding
                  voting securities of the Company entitled to vote generally in
                  the

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                  election of directors, or (b) both Don Borror and Doug Borror
                  ceasing to be directors and officers of the Company.

         b.       Termination of Employment. If, at any time within two (2)
                  years following a Change in Control, the Company terminates
                  the Employee's employment without Cause or the Employee
                  terminates his employment for Good Reason, the provisions of
                  this Paragraph 8(b) shall be applicable, instead of the
                  provisions of Paragraph 7(c). To the extent that the
                  provisions of this Paragraph 8(b) are applicable, the Employee
                  shall be entitled to the following payments and benefits:

                           i.       Those described in Paragraph 7(a) as if the
                                    Employee had died on his Date of
                                    Termination; provided all cash payments
                                    required under such paragraph shall be made
                                    within five (5) calendar days of the Date of
                                    Termination;

                           ii.      The lump sum payment, as described in
                                    Paragraph 7(c)(iii); provided, such cash
                                    payment shall be made within five (5)
                                    calendar days of the Date of Termination;

                           iii.     A single lump sum payment, payable within
                                    five (5) calendar days of the Date of
                                    Termination, equal to two (2) times the
                                    Employee's annual base salary in effect upon
                                    the Date of Termination; and

                           iv.      Reimbursement of all expenses incurred by
                                    the Employee through the use of any
                                    executive out-placement services to assist
                                    him to seek other employment, which shall
                                    include, but not be limited to (A)
                                    secretarial services, use of an office,
                                    phone, office supplies and office services
                                    comparable to the level of such services and
                                    supplies available to the Employee prior to
                                    the Date of Termination and (B) all
                                    unreimbursed travel expenses incurred by the
                                    Employee to seek other employment up to a
                                    maximum amount of Five Thousand Dollars
                                    ($5,000).

         9. NONEXCLUSIVITY OF RIGHTS. Nothing in this Agreement shall prevent or
limit the Employee's continuing or future participation in any incentive, fringe
benefit, deferred compensation, or other plan or program provided by the Company
and for which the Employee may qualify, nor shall anything herein limit or
otherwise affect such rights as the Employee may have under any other agreements
with the Company. Amounts that are vested benefits or that the Employee is
otherwise entitled to receive under any plan or program of the Company at or
after the Date of Termination, shall be payable in accordance with such plan or
program.

         10. NONCOMPETITION COVENANT. The Employee agrees that, during the term
of this Agreement, including any extension thereof, and for a period of one (1)
year thereafter, he shall not:

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         a.       Anywhere in the State of Ohio or in any other state in which
                  the Company is then conducting business, without the written
                  consent of the Company, provide advice with respect to, engage
                  in or directly or indirectly supervise or assist the provision
                  of any service or sale of any product which competes with any
                  service or product of the Company; or

         b.       Anywhere in any state, accept employment with, provide advice
                  to, or engage in or directly or indirectly supervise or assist
                  the provision of any service or sale of any product by any
                  person, company, partnership, corporation or other entity
                  which builds homes, develops land, or otherwise competes with
                  the Company in any market, city or area in which the Company
                  then conducts business.

         Notwithstanding any provision contained in this Paragraph 10, following
his termination of employment with the Company, the Employee shall not be
precluded (for any period of time following such termination) from engaging, in
any capacity, in the general practice of law.

         The restrictions on competition provided herein may be enforced by the
Company and/or any successor thereto, by an action to recover payments made
under this Agreement, an action for injunction, and/or an action for damages.
The provisions of this Paragraph 10 constitute an essential element of this
Agreement, without which the Company would not have entered into this Agreement.
Notwithstanding any other remedy available to the Company at law or at equity,
the parties hereto agree that the Company or any successor thereto, shall have
the right, at any and all times, to seek injunctive relief in order to enforce
the terms and conditions of this Paragraph 10.

         If the scope of any restriction contained in this Paragraph 10 is too
broad to permit enforcement of such restriction to its fullest extent, then such
restriction shall be enforced to the maximum extent permitted by law, and the
Employee hereby consents and agrees that such scope may be judicially modified
accordingly in any proceeding brought to enforce such restriction.

         11. CONFIDENTIAL INFORMATION. The Employee shall hold in a fiduciary
capacity, for the benefit of the Company, all secret or confidential
information, knowledge, and data relating to the Company, that shall have been
obtained by the Employee during his employment with the Company and that is not
public knowledge (other than by acts by the Employee or his representatives in
violation of this Agreement). During and after termination of the Employee's
employment with the Company, the Employee shall not, without the prior written
consent of the Company, communicate or divulge any such information, knowledge,
or data to anyone other than the Company or those designated by it, unless the
communication of such information, knowledge or data is required pursuant to a
compulsory proceeding in which the Employee's failure to provide such
information, knowledge, or data would subject the Employee to criminal or civil
sanctions.

         12. INTELLECTUAL PROPERTY. The Employee agrees to communicate to the
Company, promptly and fully, and to assign to the Company all intellectual
property

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developed or conceived solely by the Employee, or jointly with others, during
the term of his employment, which are within the scope of the Company's
business, or which utilized Company materials or information. For purposes of
this Agreement, "intellectual property" means inventions, discoveries, business
or technical innovations, creative or professional work product, or works of
authorship. The Employee further agrees to execute all necessary papers and
otherwise to assist the Company, at the Company's sole expense, to obtain
patents, copyrights or other legal protection as the Company deems fit. Any such
intellectual property is to be the property of the Company whether or not
patented, copyrighted or published.

         13. ASSIGNMENT AND SURVIVORSHIP OF BENEFITS. The rights and obligations
of the Company under this Agreement shall inure to the benefit of, and shall be
binding upon, the successors and assigns of the Company. If the Company shall at
any time be merged or consolidated into, or with, any other company, or if
substantially all of the assets of the Company are transferred to another
company, then the provisions of this Agreement shall be binding upon and inure
to the benefit of the company resulting from such merger or consolidation or to
which such assets have been transferred, and this provision shall apply in the
event of any subsequent merger, consolidation, or transfer.

         14. NOTICES. Any notice given to either party to this Agreement shall
be in writing, and shall be deemed to have been given when delivered personally
or sent by certified mail, postage prepaid, return receipt requested, duly
addressed to the party concerned, at the address indicated below or to such
changed address as such party may subsequently give notice of:

                  If to the Company:                 Borror Corporation
                                                     5501 Frantz Road
                                                     Dublin, Ohio 43017
                                                     Attn: President/CEO

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                  If to the Employee:                Robert A. Meyer, Jr.
                                                     3584 Dockside Court
                                                     Hilliard, Ohio 43026

         15. INDEMNIFICATION. The Employee shall be indemnified by the Company,
to the extent provided in the case of officers under the Company's Articles of
Incorporation or Regulations, to the maximum extent permitted under applicable
law.

         16. TAXES. Anything in this Agreement to the contrary notwithstanding,
all payments required to be made hereunder by the Company to the Employee shall
be subject to withholding of such amounts relating to taxes as the Company may
reasonably determine that it should withhold pursuant to any applicable law or
regulations. In lieu of withholding such amounts, in whole or in part, however,
the Company may, in its sole discretion, accept other provision for payment of
taxes, provided that it is satisfied that all requirements of the law affecting
its responsibilities to withhold such taxes have been satisfied.

         17. ARBITRATION; ENFORCEMENT OF RIGHTS. Any controversy or claim
arising out of, or relating to this Agreement, or the breach thereof, shall be
settled by arbitration in the city of Columbus, Ohio, in accordance with the
Rules of the American Arbitration Association, and judgment upon the award
rendered by the arbitrator or arbitrators may be entered in any court having
jurisdiction thereof.

         All legal and other fees and expenses, including, without limitation,
any arbitration expenses, incurred by the Employee in connection with seeking to
obtain or enforce any right or benefit provided for in this Agreement, or in
otherwise pursuing any right or claim, shall be paid by the Company, to the
extent permitted by law, provided that the Employee is successful in whole or in
part as to such claims as the result of litigation, arbitration, or settlement.

         In the event that the Company refuses or otherwise fails to make a
payment when due and is ultimately decided that the Employee is entitled to such
payment, such payment shall be increased to reflect an interest equivalent for
the period of delay, compounded annually, equal to the prime or base lending
rate used by The Huntington National Bank, and in effect as of the date the
payment was first due.

         18. GOVERNING LAW/CAPTIONS/SEVERANCE. This Agreement shall be construed
in accordance with, and pursuant to, the laws of the State of Ohio. The captions
of this Agreement shall not be part of the provisions hereof, and shall have no
force or effect. The invalidity or unenforceability of any provision of this
Agreement shall not affect the validity or enforceability of any other provision
of this Agreement. Except as otherwise specifically provided in this paragraph,
the failure of either party to insist in any instance on the strict performance
of any provision of this Agreement or to exercise any right hereunder shall not
constitute a waiver of such provision or right in any other instance.

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         19. ENTIRE AGREEMENT/AMENDMENT. This instrument contains the entire
agreement of the parties relating to the subject matter hereof, and the parties
have made no agreement, representations, or warranties relating to the subject
matter of this Agreement that are not set forth herein. Upon execution of this
Agreement, the Employment Agreement entered into between the parties on February
28, 1995, shall be terminated and superseded by this Agreement. This Agreement
may be amended at any time by written agreement of both parties, but it shall
not be amended by oral agreement.

         IN WITNESS WHEREOF, the parties have executed this Agreement on the
date first above written.

                                        BORROR CORPORATION

                                        By:*/s/ DOUGLAS G. BORROR
                                           --------------------------------
                                           Douglas G. Borror
                                           President

                                        * /s/ ROBERT A. MEYER, JR.
                                        -----------------------------------
                                        Robert A. Meyer, Jr.

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<PAGE>   12
                                   APPENDIX A
                                   ----------

         The target bonus will be an amount within a range from $0 to
$100,000.00. The determination of the amount of bonus to be awarded will be
based upon:

         1.       The quality of the Employee's performance of job elements and
                  business objectives as set forth on the attached summary,
                  together with any additional job elements and business
                  objectives that may be assigned to the Employee by the Chief
                  Executive Officer (40% of bonus); and

         2.       The performance of the Company in terms of achievement of its
                  net income goal, and the Employee's positive and meaningful
                  impact upon it (60% of bonus).

The determination shall be made by the Compensation Committee of the Board of
Directors with respect to those employees whose compensation must be
specifically reported for securities law purposes, and otherwise by the Chief
Executive Officer.
<PAGE>   13
                                     SUMMARY
                                     -------


1.   Legal support to financial reporting.

2.   Board of Directors and Board committee support.

3.   Oversight of outside counsel.

4.   Human Resources department.

5.   Governmental affairs/political matters.

6.   Legal support to land development and homes division.