Exhibit 10(n)(1)
----------------

                        AMENDMENT TO EMPLOYMENT AGREEMENT
                                     BETWEEN
                           FPIC INSURANCE GROUP, INC.
                                       AND
                                  KIM D. THORPE


         THIS AMENDMENT is made, entered into and effective as of the 14th day
of December 2001, by and between FPIC Insurance Group, Inc., a Florida
corporation (hereinafter referred to as "Employer"), and Kim D. Thorpe
(hereinafter referred to as "Employee").

         1.     Paragraph 1 of the Employment Agreement between Employer and
Employee dated as of November 22, 1999 (the "Employment Agreement") is amended
as follows:

                  "This Employment Agreement is made and entered into as of the
         22nd day of November, 1999 by and between FPIC Insurance Group, Inc., a
         Florida corporation, with its principal place of business at 225 Water
         Street, Suite 1400, Jacksonville, Florida 32202 (hereinafter referred
         to as "Employer"), and Kim D. Thorpe, an individual presently residing
         at 8282 Riding Club Road, Jacksonville, Florida 32256 (hereinafter
         referred to as "Employee")."

         2.     Section 1(b) of the Employment Agreement is amended to read in
its entirety as follows:

                "1.   Terms of Employment.
                      -------------------

                      (b)     In the event Employer does not give notice to
                              Employee prior to the end of any calendar year,
                              commencing with calendar year 2000, that it wishes
                              to extend this Employment Agreement as specified
                              in subparagraph (a) above, Employee may
                              voluntarily terminate Employee's employment under
                              this Employment Agreement by 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 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 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 executive of or consultant for any trade
                              or occupation that is in competition with
                              Employer, such salary and benefits shall thereupon
                              terminate."

         3.     Section 4(b) of the Employment Agreement is amended to read in
its entirety as follows:


<PAGE>

                "4.   Termination.
                      -----------

                      (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
                              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 Employer is unable to continue to provide
                              such benefits to Employee at substantially
                              the same cost it would incur were Employee
                              still employed by Employer, 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
                              executive of or consultant for any trade or
                              occupation that is in competition with
                              Employer, such salary and benefits shall
                              thereupon terminate."

         4.     Section 4(c) of the Employment Agreement is amended to read in
its entirety as follows:

                "4.   Termination.
                      -----------

                      (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
                              the election of the Board of Employer. 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 such benefits to
                              Employee at substantially the same cost it
                              would incur were Employee still employed by
                              Employer, 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 executive of or
                              consultant

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<PAGE>


                              for any trade or occupation that is in competition
                              with Employer, such salary and benefits shall
                              thereupon terminate."

         5.     Section 4(d) of the Employment Agreement is amended to read in
its entirety as follows:

                "4.   Termination.
                      -----------

                      (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."

         6.     Section 4(f) of the Employment Agreement is amended to read in
its entirety as follows:

                "4    Termination.
                      ------------

                      (f)     Constructive Discharge.  Employee may terminate
                              this Employment Agreement in the event of
                              Constructive Discharge 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, functions, or duties to an inferior
                              position, functions, or duties 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 Employment Agreement and all
                              obligations and undertakings of Employer here-
                              under, or (iv) reduction in Employee's base salary
                              or target bonus opportunity (if greater than the
                              target bonus opportunity, the average of the
                              annual bonuses paid to Employee in the three
                              calendar years prior to the calendar year of the
                              Constructive Discharge).  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
                              Employment Agreement; provided, that if Employer
                              is unable to continue to provide such benefits to
                              Employee at substantially the same cost it would
                              incur were Employee still employed by Employer,
                              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 executive of
                              or consultant for any trade or occupation that is
                              in


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<PAGE>


                              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."

         Except as amended by this Amendment, the Employment Agreement and the
Extension of Employment Agreement dated December 20, 2001 shall remain in full
force and effect in accordance with their terms.

         IN WITNESS WHEREOF, the parties hereto have executed this Amendment as
of the date first above written.

                                       FPIC INSURANCE GROUP, INC.


______________________________         By:______________________________________
Attest                                       John R. Byers
                                             President and Chief Executive
                                                Officer


______________________________         _________________________________________
Attest                                       KIM D. THORPE






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