|Exhibit 10(uu)


SECOND AMENDMENT TO THE
MANAGEMENT AGREEMENTDATED AS OF JUNE 30, 1998


This
Second Amendment to the Management Agreement dated as of June 30, 1998 is effective as of
the 1st day of January 2002, by and among ANESTHESIOLOGISTS PROFESSIONAL
ASSURANCE COMPANY, a Florida corporation (Company), APA MANAGEMENT,
INC., a Florida corporation (Manager), and FPIC INSURANCE GROUP,
INC., a Florida corporation (FPIC), hereinafter collectively referred to
as Parties.


W I T N E S S E T H


WHEREAS,
for good and valuable consideration, the Parties previously entered into a Management
Agreement dated as of June 30, 1998 and an Amendment to the Management Agreement dated as
of October 7, 1999 (hereinafter collectively referred to as Management
Agreement); and


WHEREAS,
the Parties desire to amend the Management Agreement in accordance with SECTION TWENTY
FOUR of the Management Agreement; and


NOW,
THEREFORE, for good and valuable consideration, the receipt and sufficiency
of which are hereby conclusively acknowledged, the Parties agree and hereto intend to be
legally bound as follows:


AMENDMENTS


1. SECTION ONE, Appointment
of Manager and Term, Subparagraph B,of the Management Agreement is hereby amended,
in its entirety, to read as follows:
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | The
term of this Management Agreement shall be extended through December 31, 2003.
Unless either party has given the other written notice of its election to
terminate the term of the Management Agreement on or before April 30 of a given
year, beginning with 2003, the Management Agreement shall automatically be
extended for one additional year (i.e. if such notice is not given by April 30,
2003, the Management Agreement will be extended through December 31, 2004). The
initial term of this Management Agreement, together with any such extension of
such initial term, is herein referred to as the Term.
| | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|2. SECTION SIX, Expenses,of the Management Agreement is amended, in its entirety, to read as follows:
|-----------------------------------------------------------------------------------------------------

| | In
consideration of the receipt of payment by Manager of the compensation described
in SECTION SEVEN, Compensation, as amended below, of the Management Agreement,
Manager shall be responsible to pay all operating expenses and capital expenses
of the Company that Manager reasonably deems necessary to the Company during the
Term of this Management Agreement, including, but not limited to: (1) expenses
for any new equipment or fixed assets (which, if paid for by Manager, shall be
the property of Manager and Manager shall be entitled to retain the same free
and clear of any claim of the Company or FPIC upon any termination of the Term);
(2) a fixed fee of $600.00 per month for use of Help Desk support provided by
FPIC; (3) hourly fees to be computed based on an hourly rate, as determined from
time-to-time, multiplied by the number of hours devoted by FPIC Information
System staff to system projects, directly or indirectly, relating to the
Company, plus related out-of-pocket travel expense; (4) costs associated with
one T-1 line connection between the Company and FPIC; (5) brokerage commission
up to a 5% maximum; and (6) support costs associated with coordination of the
purchase, customization, installation, implementation and operation of the
Policy Administration System for the Company. The following amounts shall be the
obligation of the Company:
| | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|110
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|(1)
     Taxes on premiums received.


(2)
     Assessments  payable to the Florida  Insurance  Guarantee  Fund (FIGA) or any
other  guarantee fund of any other state and other similar or residual expenses, such as
assessments or premiums payable to government sponsored risk pools.


(3)
     All costs (including  consulting  expenses) of becoming  licensed or admitted to
conduct an insurance  business in any state (inasmuch as the Company has ceased to be a
risk retention group as of the Closing of the Merger Agreement).


(4)
     Consulting fees payable pursuant to the Consulting Agreement, as previously defined
herein,  and as entered into by the Company and Consulting  Group of APA, Inc. with
respect to certain  consulting  services to be provided by Consulting Group of APA, Inc.
to the Company.


(5)
     Allocated Loss  Adjustment  Expenses of the Company.  For purposes of this Agreement
 Allocated  Loss  Adjustment Expenses shall mean the following:
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (a)
     Fees and related costs of defense counsel;
| | ---------------------------------------------------

| | (b)
     Court reporting and transcription expenses;
| | ----------------------------------------------------

| | (c)
     Medical and Economic  Consultant and/or Accounting Fees and related costs.  (This
will not include hourly fees for work performed by Frank Moya, M.D., Elizabeth Moya,
Esq., Joan McNulty or Monte Lichtiger, M.D.);
| | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (d)
     Expert witness fees and expenses;
| | ------------------------------------------

| | (e)
     Other Expenses:
| | ------------------------

| | (i) | Certified
mail, express mail, courier service and postage;
| | --- | ----------------------------------------------------------

| | (ii) | Fax
transmission and receipt expenses (as billed to the Company);
| | ---- | -----------------------------------------------------------------

| | (iii) | Travel
expenses of outside professionals (including lodging, meals, mileage, parking and
airfare);
| | ----- | --------------------------------------------------------------------------------------------------

| | (iv) | Mediation
fees;
| | ---- | ---------------

|111
|---

| | (v) | Arbitration
fees;
| | --- | -----------------

| | (vi) | Process
server fees;
| | ---- | --------------------

| | (vii) | Telephone
charges (long distance related to claim);
| | ----- | ---------------------------------------------------

| | (viii) | Appeal
- related expenses;
| | ------ | --------------------------

| | (ix) | Research
and Data Base access expenses;
| | ---- | ---------------------------------------

| | (x) | Miscellaneous
court expenses;
| | --- | -----------------------------

| | (xi) | Other
similar out of pocket  expenses,  which under industry  practice are typically  allocated
to an individual claim file                                     of the Company.
| | ---- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|(6)
     Any state or federal  income taxes and any personal  property or intangible  taxes
imposed upon the Company or its property.


(7)
     Corporate overhead  allocations from FPIC or its affiliates  (including but not
limited to all costs of compliance with applicable state and federal  securities  laws,
rules and regulations)  other than those types of expenses listed in clause (8)
immediately  below,  but,  with respect to each such expense,  only up to the maximum
 amount for which  Manager is  responsible  as provided in the table contained in such
clause (8).


(8)
     The excess amounts (Excess  Amounts),  if any, of the types of expenses listed
below over the associated maximum amounts  (Maximum  Amounts) of such expenses for
which Manager shall be responsible as set forth below (it being  understood  that the
Company, and not Manager, shall be responsible to pay any such Excess Amounts):
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|Type of Expense                                                                                                                                                                                                                                                                              |  | Maximum Amount for which
Manager is Responsible                                                          
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ---------------------------------------------------------------------------------------------------------
|                                                                                                                                                                                                                                                                                            
|Department of Insurance Financial
Examination (Tri-Annual)
Department of Insurance Market
Conduct Examination (Tri-Annual)
Expenses of Annual Audit
Expenses of Annual Tax Compliance
Annual Actuarial Expense (both Rate and Reserve
Studies)
Annual Statutory Printing Expense
(135 Books) |  | 110% of cost of previous Examination
115% of cost of previous Examination
$20,000
$ 1,000
$25,000
$ 3,300

|(9)
Intentionally deleted.


(10)
    All interest expense of the Company.


(11)
Intentionally deleted.


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|--------------------------------------------------------------------------------------------------------------

|(12)
    Expense of the Policy Administration System, whether direct or indirect,  including,
but not limited to, purchase, customization,  installation,  implementation  and
 operation  of the Policy  Administration  System,  is to be paid by the Company.
Notwithstanding any other terms or provisions of this Management  Agreement,  proprietary
rights to the Policy Administration System will reside with First  Professionals
 Insurance  Company,  Inc., a wholly owned  subsidiary of FPIC,  and upon  termination
 of the Management Agreement, the Manager will have no claim of ownership rights to such
Policy Administration System.


(13)
    Excess  brokerage  commission,  above the maximum 5% brokerage  commission  paid by
Manager out of management  fee compensation,  as outlined above, not to exceed reasonable
and customary brokerage  commission  percentages paid in the professional liability
insurance industry.


3. Subparagraphs A (1) and (6)
of SECTION SEVEN, Compensation,of the Management Agreement are amended to read as
follows:


(1)
    For the  management  of  anesthesiologist  business  produced  by the  Company or by
the  Manager on behalf of the Company,  Manager shall receive  annual  compensation
 consisting of an annual 4% claims  management  fee and an annual service fee. The annual
service fee shall be based on a percentage of direct earned premium,  defined as direct
earned  premium,  net of refunds, not net of ceded  reinsurance,  and  excluding  assumed
 reinsurance,  premiums  under  fronting  arrangements  and  premiums  under
inter-company pooling agreements.  The annual service fee is to be calculated in
accordance with the following schedule:


Direct Earned Premium
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | From
$0
$8 Million
Over $10 Million | To
$8 Million
$10 Million | Annual Service Fee
10.5%
7.0%
6.0%
| | ----------------------------------- | ------------------------- | ----------------------------------

|(6)
Fees and commissions referred to in subparagraphs (1) through (5) above are
based on a percentage of direct earned premium, defined as direct earned premium, net
of refunds, not net of ceded reinsurance, and excluding assumed reinsurance, premiums
under fronting arrangements and premiums under inter-company pooling agreements,
payable monthly as premium is earned, but subject to appropriate reimbursement to the
Company under circumstances and in the amounts provided in SECTION EIGHT,
Compensation Refunds, below. Such direct earned premium shall not include premium on
policies written or earned on or prior to December 31, 2001 for which management fees
have already been paid under the provisions of the Management Agreement. Manager shall
submit monthly a full accounting of fees and commissions earned and collected by Manager
under the Management Agreement.


4. The following subparagraphs
are added to SECTION SEVEN, Compensation,of the Management Agreement:


(7)
    Fronting  Fee.  Manager  will be paid  compensation  equal to 7% of fronting  fees
earned  from  fronted  business produced by the Company or by the Manager on behalf of
the Company.


113
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|(8)
Financial Targets. The Parties hereby acknowledge that gross and net premiums
written of the Company shall remain consistent with planning submissions, such
planning submissions having been submitted to and approved by FPIC, beginning in fiscal
year 2002. Any material deviations from such approved planning submissions must be
pre-approved by FPIC. FPIC reserves the right to modify gross and net premiums written
targets and affected financial targets. Parties hereby further acknowledge the fiscal
year 2002 financial targets set forth as Exhibit Aattached hereto, and agree to
submit for review and approval 2003 financial targets.


5. SECTION NINE, Incentive
Performance Plan,of the Management Agreement is amended in its entirety, to
read as follows:


(A)
    In the event that the adjusted  target  income,  defined as pre-tax net income less
 investment  income (loss) and realized  investment  gains  (losses)  (the  Adjusted
 Target  Income)  is above the  target set forth in the  financial  targets, attached
 hereto as Exhibit A for fiscal year 2002,  Manager  shall be entitled to receive as an
 incentive  fee equal to 10% of the excess above the target  (Incentive  Fee.) The
 Incentive  Fee, if any, due to Manager shall be paid within ten (10) days after the
Adjusted  Target Income of the Company is calculated  for the  applicable  year, but in
any event no later than April 10 of the year immediately following such applicable year.


(B)
    In the event that the Adjusted  Target Income is below the target,  Managers
 Management  Fee shall be reduced by 25% of the deficiency  below the target. A
deficiency  adjustment,  if any, to the Management Fee shall be made within ten (10) days
after the Adjusted  Target Income of the Company is calculated for the  applicable  year,
but in any event no later than April 10 of the year immediately following such applicable
year.



6. SECTION TWENTY-ONE,
Notices,is amended as follows:
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | If to Company:
| | ---------------

| | Anesthesiologists Professional Assurance Company 1320 South Dixie Highway, Suite
1060 Coral Gables, Florida 33146 Attention: Frank Moya, M.D.
| | ---------------------------------------------------------------------------------------------------------------------------------------------

| | If to Manager:
| | --------------

| | APA Management, Inc. 1320 South Dixie Highway, Suite 1060 Coral Gables, Florida
33146 Attention: Gene C. Witherspoon
| | --------------------------------------------------------------------------------------------------------------------

|114
|---

| | If to FPIC:
| | -----------

| | FPIC Insurance Group, Inc. 225 Water Street, Suite 1400 Jacksonville, Florida
32202 Attention: Roberta Goes Cown
| | -----------------------------------------------------------------------------------------------------------------

|This
Amendment is made a part of and is hereby  incorporated  by reference into the Management
 Agreement.  Where the terms of this  Amendment  conflict with the terms of the Agreement
the terms of the Amendment  shall be  controlling.  All other terms and provisions of the
Management Agreement remain in full force and effect.



(Signatures on next
page)


115
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|IN
WITNESS WHEREOF, the Parties hereto have executed this Agreement as of the date first
above written.
|-------------------------------------------------------------------------------------------------------

|FPIC INSURANCE GROUP, INC.                       | APA MANAGEMENT, INC.
|------------------------------------------------ | --------------------
|By:
Name:Title:                                  |                     
|                                                
|ANESTHESIOLOGISTS PROFESSIONAL
ASSURANCE COMPANY |                     
|By:
Name:
Title:                                 |                     

|116
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|EXHIBIT A


2002 FINANCIAL TARGETS
|----------------------------------

|1. |                                                                                                                                                                                                                                                                                                               | GAAP Net Income          |  |                                              | 
|-- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------ |  | -------------------------------------------- | 
|   |                                                                                                                                                                                                                                                                                                               | Pre-Tax                  |  | $2.970M                                      | 
|   |                                                                                                                                                                                                                                                                                                               | After Tax                |  | $2.159M                                      | 
|   |                                                                                                                                                                                                                                                                                                              
|2. |                                                                                                                                                                                                                                                                                                               | Adjusted Target Income   | 
|   |                                                                                                                                                                                                                                                                                                              
|   |                                                                                                                                                                                                                                                                                                               | Adjusted Target Income = | 
|   |                                                                                                                                                                                                                                                                                                               | Pre-Tax Net Income less  | 
|   |                                                                                                                                                                                                                                                                                                               | Investment Income (Loss) | 
|   |                                                                                                                                                                                                                                                                                                               | and Realized Investment  | 
|   |                                                                                                                                                                                                                                                                                                               | Gains (Losses)           |  | $  199,317                                   | 
|   |                                                                                                                                                                                                                                                                                                              
|3. |                                                                                                                                                                                                                                                                                                               | Loss Ratio               |  | 86.5%                                        | 
|   |                                                                                                                                                                                                                                                                                                              
|   | Should FPIC determine a Loss Ratio higher than an
actuarially required Loss ratio is appropriate, Manager
will receive a proportional adjustment to Adjusted
Target Income. If it is determined that an 86.5% Loss
Ratio is not actuarially sufficient, no adjustment will
be made to Adjusted Target Income.
|   |                                                                                                                                                                                                                                                                                                              
|4. |                                                                                                                                                                                                                                                                                                               | Expenses Ratio           |  | 12%                                          | 
|   |                                                                                                                                                                                                                                                                                                              
|5. |                                                                                                                                                                                                                                                                                                               | Combined Ratio           |  | 98.5                                         | 
|   |                                                                                                                                                                                                                                                                                                              
|6. |                                                                                                                                                                                                                                                                                                               | Return on Equity         |  | 8.5%                                         | 
|   |                                                                                                                                                                                                                                                                                                              
|7. |                                                                                                                                                                                                                                                                                                               | Dividend Payable         |  | $1.5M payable Second Quarter of 2002         | 
|   |                                                                                                                                                                                                                                                                                                              
|8. |                                                                                                                                                                                                                                                                                                               | Loss and LAE Reserves    |  | Within 1% of Independent Actuarys mid-point | 
|  

|117
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