**Exhibit      10.14(a)**

**FPIC      INSURANCE GROUP, INC.**

**EMPLOYMENT      AGREEMENT**

**WITNESSETH:**

|   | (a) | Employee's                employment hereunder shall be for an initial term beginning November                1,                2002 and ending December 31, 2004, which term shall be extended for                an                additional twelve months at the end of each twelve month period,                commencing with the twelve month period ending December 31, 2003,                upon                Employer's Board of Directors (from time to time herein referred                to as the                "Board”), or a committee thereof, giving notice to Employee prior to the                end of such twelve month period that it wishes to extend this Employment                Agreement for an additional twelve month                period. |
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|   | (b) | In                the event Employer does not give notice to Employee prior to the                end of                any twelve month period, commencing with the twelve month period                ending                December 31, 2003, that it wishes to extend this Employment Agreement                as                specified in subparagraph 1(a) above, Employee may voluntarily terminate                Employee’s employment under this Employment Agreement by thereafter giving                at least ninety (90) days written notice to Employer. Following the                effective date of such voluntary termination, Employee shall continue                to                receive Employee’s annual salary, payable as immediately prior to |
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|   |   | termination,                plus all benefits to which Employee is then entitled under subparagraph                2(e) below, for the balance of the term of this Employment Agreement;                provided, that if Employer is unable to continue to provide any such                benefits to Employee at substantially the same cost it would incur                were                Employee still employed by Employer (the “Benefit Cost”), Employer shall                have the right to pay Employee the Benefit Cost of such benefits                in lieu                of continuing to provide such benefits to Employee. It is provided,                however, if Employee directly or indirectly engages in or acts as                an                employee of or consultant for any trade or occupation that is in                competition with Employer, such salary and benefits shall thereupon                terminate. |
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|   | (c) | The                duties of Employee shall be as determined by the Board in accordance                with                this Employment Agreement and the By-Laws of Employer in effect from                time                to time. Without limiting the generality of the foregoing, Employee                shall                report to and advise the Board regarding the management and operation                of                Employer's business. Employee agrees to devote Employee’s full time                business efforts, attention and energies to the diligent performance                of                Employee’s duties hereunder and will not, during the term hereof, accept                employment, full or part-time, from any other person, firm, corporation,                governmental agency or other entity that, in the reasonable opinion                of the                Board, would conflict with or detract from Employee’s capable performance                of such duties, provided, however, Employee may devote reasonable                amounts                of time to activities of a public service, civic, or not-for-profit                nature. |
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|   | (a) | An                annual salary of $225,000 payable in twenty-four (24) equal payments                during each annual period of this Employment Agreement; provided,                however,                that effective January 1 of each year beginning in 2003, Employee’s annual                compensation shall be increased in accordance with the provision                for                salary increases set forth in paragraph (b) below. Employee's minimum                total compensation, which in no event may be reduced in whole or                in part,                shall be the annual salary at the rate of compensation received by                Employee for any given period of time or at the time of Employee's                termination. |
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|   | (b) | Annual                performance reviews will determine annual salary increases to which                Employee becomes entitled, effective January 1, 2003, based upon                Employer's then current Compensation                Program. |
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|   | (c) | Incentive                compensation payable with respect to each year beginning with the                year                2002 based on Employee's individual performance and the performance                of                Employer for such year pursuant to Employer's then current Executive                Incentive Compensation Program. |
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|   | (d) | Any                additional compensation payable by resolution of the Board for outstanding                performance. |
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|   | (e) | Such                benefits as may be made available from time to time to senior management                employees of Employer, but at no time less than: (i) an automobile                lease                of $750 per month and (ii) initiation fees, dues and assessments                of                membership in a club of Employee’s choice, as reasonably approved by                Employer's Board or an appropriate committee                thereof. |
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|   | (a) | Voluntary Termination by Employee. Employee                may terminate this Employment Agreement at any time by giving at                least                ninety (90) days written notice to Employer, with no further obligation                on                Employer's part under this Agreement after the effective date of                such                termination. |
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|   | (b) | Voluntary Termination by Employer. Employer                may terminate this Employment Agreement at any time                for any reason sufficient to it, by act of its Board. Such termination                shall be immediately effective. Following such voluntary termination,                Employee shall continue to receive Employee’s annual salary, payable as                immediately prior to termination, together with any benefits accrued                to                the date of termination, plus all benefits to which Employee is then                entitled under subparagraph 2(e) above, for the balance of the then                current Employment Agreement; provided, that if the Employer is unable                to                continue to provide any such benefits to Employee at substantially                the                Benefit Cost, Employer shall have the right to pay Employee the Benefit                Cost of such benefits in lieu of continuing to provide such benefits                to                Employee. It is provided, however, if Employee directly or indirectly                engages in or acts as an employee of or consultant for any trade                or                occupation that is in competition with Employer, such salary and                benefits                shall thereupon terminate. |
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|   | (c) | Permanent Disability of Employee. If                Employee has been, for substantially all the normal working days                during                three (3) consecutive months, unable to perform Employee’s                responsibilities and duties and to exercise Employee’s authorities in a                satisfactory manner due to mental or physical disability, then Employee                may be deemed “permanently disabled," and Employee's employment may be                terminated at |
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|   |   | the                election of the Board. Any determination of permanent                disability made by Employer shall be final and conclusive. In the                event                that Employer deems Employee “permanently disabled," Employee shall be                entitled to receive the unpaid balance of Employee’s annual salary,                together with other accrued benefits pursuant to subparagraph 2(e)                above                to the date of the determination of being permanently disabled, payable                as                immediately prior to termination for the remaining term of this Employment                Agreement, less any amount received by Employee under any                Employer-provided long term disability coverage and/or program; provided,                that if Employer is unable to continue to provide any such benefits                to                Employee at substantially the Benefit Cost, Employer shall have the                right                to pay Employee the Benefit Cost of such benefits in lieu of continuing                to                provide such benefits to Employee. It is provided, however, if Employee                directly or indirectly engages in or acts as an employee of or consultant                for any trade or occupation that is in competition with Employer,                such                salary and benefits shall thereupon                terminate. |
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|   | (d) | Death                of Employee. This                Employment Agreement shall terminate on the date of                Employee's death, and Employer shall pay, in a lump sum, to the estate                or                personal representative of Employee the unpaid balance of Employee’s                annual salary, together with other accrued benefits under subparagraph                2(e) above, to the date of death. |
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|   | (e) | Termination for Cause. Employer's                Board may terminate this Agreement for Cause (as defined below),                but only                after a written notice specifying the Cause has been submitted to                Employee. Employee shall be granted a reasonable opportunity to respond                to                the notice, in writing, and in an appearance before the Board. A                determination by the Board to terminate this Agreement for Cause                may be                made at a meeting of the Board at which a quorum is present and by                a vote                of at least a majority of the entire then current membership of the                Board.                If Employer terminates this Employment Agreement for Cause under                this                subparagraph, Employer shall not be obligated to make any further                payments                or provide any further benefits under this Employment Agreement other                than                amounts accrued at the time of such termination. “Cause” for the purposes                of this Agreement consists of the following: (i)    Employee's                  commission of dishonest acts, fraud, misappropriation, or embezzlement                  affecting Employer; (ii)   Employee's                  commission of any felony under state or federal law; or (iii)   the                  failure or refusal of Employee to comply with any reasonable lawful                  policy, directive or instruction of the Board, consistent with                  subparagraph l(c) hereof. |
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|   | (f) | Constructive                Discharge.                Employee may terminate this Employment Agreement in the event of                Constructive Discharge (as defined below) by providing written notice                to                Employer within three months after the occurrence of such event,                specifying the event relied upon for a Constructive Discharge.                "Constructive Discharge" shall mean any (i) material change by Employer                of                Employee's position to an inferior position from that in effect on                the                date of this Agreement, (ii) assignment, reassignment, or relocation                by                Employer of Employee without Employee's consent to another place                of                employment more than 50 miles from Employee's current place of employment,                (iii) liquidation, dissolution, consolidation or merger of Employer,                or                transfer of all or substantially all of its assets, other than a                transaction or series of transactions in which the resulting or surviving                transferee entity has, in the aggregate, a net worth at least equal                to                that of Employer immediately before such transaction and expressly                assumes                this Agreement and all obligations and undertakings of Employer hereunder,                or (iv) reduction in Employee's base salary or target bonus opportunity.                Following termination of Employee's employment in the event of a                Constructive Discharge, Employee shall continue to receive Employee’s                annual salary, payable as immediately prior to termination, plus                all                benefits to which Employee is then entitled under subparagraph 2(e)                above,                for the balance of this Agreement; provided, that if Employer is                unable to                continue to provide any such benefits to Employee at substantially                the                Benefit Cost, Employer shall have the right to pay Employee the Benefit                Cost of such benefits in lieu of continuing to provide such benefits                to                Employee. It is provided, however, if Employee directly or indirectly                engages in or acts as an employee of or consultant for any trade                or                occupation that is in competition with Employer, such salary and                benefits                shall thereupon terminate. Employer and Employee, upon mutual agreement,                may waive any of the foregoing provisions that would otherwise constitute                a Constructive Discharge. Within ten days of receiving such written                notice                from Employee, Employer may cure the event that constitutes a Constructive                Discharge. |
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|   | (g) | Return                of Property.                Upon any termination of this Agreement, Employee shall immediately                turn                over to Employer all of Employer's property, both tangible and intangible.                To the extent that such Employer's property shall constitute a benefit                to                Employee under this Agreement, Employee shall receive from Employer                the                value of that benefit for the remaining term of this                Agreement. |
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|   | (h) | Additional                Agreements.                Upon any termination of this Agreement, regardless of the reason                for                termination, it is agreed: (i)   Inducing                Employees of Employer to Leave.                Any attempt on the part of Employee to induce others to leave Employer's                or any of its affiliates’ employ, or any efforts by Employee to interfere                with Employer's or any of its affiliates’ relationships with other                employees, would be harmful and damaging to Employer. Employee expressly                agrees that during the term of this employment and for a period of                two (2)                years thereafter, Employee will |
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|   |   | not,                in any way, directly or indirectly: (A) induce or attempt to induce                any                employee to terminate his or her employment with Employer or any                affiliate                of Employer; (B) interfere with or disrupt Employer's or any of its                affiliates’ relationship with other employees; or (C) solicit, entice,                take away or employ any person employed by Employer or any affiliate                of                Employer. (ii)   Confidentiality.                 Employee agrees not to, without                prior written consent of Employer, divulge to others, or use, for                Employee’s own benefit or for the benefit of others, any intellectual                property, trade secrets or confidential or proprietary information                or data                of or regarding Employer or any of its affiliates, including without                limitation, the contents of advertising, customer lists, information                regarding customers or their customers, programming methods, business                plans, strategies, financial statements, copyrights, correspondence                or                other records of or regarding Employer or any of its affiliates,                except to                the extent to which such information is required by law to be disclosed                to                others. (iii)   Remedy.                Employee acknowledges that Employee will be conversant with Employer's                affairs, operations, trade secrets, customers, customers' customers                and                other proprietary information data; that Employee’s compliance with the                provisions of this subparagraph (h) is necessary to protect the goodwill                and other proprietary rights of Employer; and that Employee’s failure to                comply with the provisions of this subparagraph (h) will result in                irreparable and continuing damage to Employer for which there will                be no                adequate remedy at law. If Employee shall fail to comply with the                provisions of this subparagraph (h), Employer (and its respective                successors and assigns) shall be entitled to (A) cease making any                further                payments or providing any further benefits to Employee and (B) injunctive                relief and such other and further relief as may be proper and necessary                to                ensure such compliance. (iv)    Mitigation.                In no event shall Employee be obligated to seek other employment                or to                take other action by way of mitigation of the amounts payable to                Employee                under any of the provisions of this                Agreement. |
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|   | (a) | If                Employer suffers from any natural or manmade disaster, work stoppage,                civil disobedience, act of war, or any other emergency condition                beyond                Employee's control, the term of this Employment Agreement shall remain                in                full force and effect as if such event had not taken                place. |
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|   | (b) | In                the event of the merger, consolidation or acquisition of Employer                with or                by any other corporation, corporations or other business entities,                the                sale of Employer or a major portion of its assets, or of its business                or                good will or any other corporate reorganization involving Employer,                this                Employment Agreement shall be assigned and transferred to the successor                in                interest as an asset of Employer and the assignee shall assume Employer’s                obligations |
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|   |   | hereunder, and Employee agrees to continue to                perform                Employee’s duties and obligations hereunder. Failure to assign this                Employment Agreement prior to any of the events set forth in this                subparagraph 5(b) will obligate Employer to fulfill the terms and                conditions hereof prior to consummating the applicable                event. |
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|   | (a) | All                notices, requests, demands, or other communications hereunder shall                be in                writing, and shall be deemed to be duly given when delivered or sent                by                registered or certified mail, postage prepaid, to Employee’s last home                address as provided to and reflected on the records of Employer and                to                Employer when personally delivered to Employer’s Secretary or when sent by                registered or certified mail, postage prepaid, to such                officer. |
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|   | (b) | Employer                hereby agrees that no request, demand or requirement shall be made                to or                of Employee that would violate any federal or state law or                regulations. |
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|   | (c) | Should                any valid federal or state law or final determination of any                administrative agency or court of competent jurisdiction affect any                provision of this Employment Agreement, the provision so affected                shall be                automatically conformed to the law or determination; otherwise, this                Employment Agreement shall continue in full force and                effect. |
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|   | (d) | This                Employment Agreement is made and entered into in the State of Florida                and                its validity and interpretation, and the performance by the parties                hereto                of their respective duties and obligations hereunder, shall be governed                by                the laws of the State of Florida and of the United States of                America. |
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|   | (e) | This                Employment Agreement constitutes the entire agreement between the                parties                respecting the employment of Employee, there being no representations,                warranties or commitments except as set forth                herein. |
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|   | (f) | This                Employment Agreement may be amended only by an instrument in writing                executed by the parties hereto. |
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|                                  |                                               |                                |
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| Employee:                             | FPIC              INSURANCE GROUP, INC.            |
|                             |                                          |                           |
| /s/              Robert E. White, Jr. | By:                                      | /s/ John              R. Byers |
| Robert E. White, Jr.                  | John R. ByersPresident and Chief Executive Officer |
|                                  |                                               |

|                            |         |                                  |
|---------------------------------|--------------|---------------------------------------|
|                            |         |
|                       |    |                             |
| /s/              Lori C. Mackey |    | /s/              Lori C. Mackey  |
| Witness                         | Attest       |
|                            |         |

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