Exhibit
10.12

    FOURTH LOAN MODIFICATION
AGREEMENT

    


    THIS AGREEMENT, Made and entered into
as of this 15th day of April, 2008, by and between HARDY CREDIT CO. (the
"Borrower") and UNITED BANK,
INC. ("Bank").

    


    RECITALS:

    


    (a)           Borrower
executed Promissory Notes in the principal amount not to exceed $10,000,000.00 and $5,000,000.00, payable to the
order of the Bank (the "Notes"), and a Line of Credit and Letter of Credit
Agreement (the "Credit Agreement"), all dated March 14, 2003.

    


    (b)           The
Credit Agreement, in Section 5.17, provides for the Borrower to pledge and
mortgage a replacement parcel of real property with the same or greater value
with a lease satisfactory to Bank within 90 days after the closing of a
facility.

    


    (c)           The
Borrower has closed certain properties and is not able to replace such
properties in the time frame set forth in Section 5.17, and has requested the
time frame be extended to be within one year of the closing of a facility, and
Bank has agreed to such modification, provided that the availability on the Line
of Credit will be reduced by a satisfactory amount until such time as a
replacement property is provided.

    


    THEREFORE, WITNESSETH, that
for and in consideration of the premises and the mutual agreements hereinafter
set forth, and for other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, Borrower and Bank hereby agree as
follows:

    


    1.       
    Section 5.17 of the Credit Agreement shall be replaced
in its entirety by the following:

    


    Replacement Real
Property.   Borrower agrees to pledge and mortgage a
replacement parcel of real property with the same or greater value with a lease
satisfactory to Bank within one year after the closing of a facility on the Real
Property, and shall provide written notice of such closing to the Bank within 10
days thereafter. Ninety (90) days after the closure and until such time as the
replacement property is provided, the availability of funds under the Note
evidencing the Line of Credit shall be reduced by the appraised fair market
value of such Real Property as established by the appraisal for such Real
Property received in accordance with Section 4.10 of the Credit Agreement,
unless otherwise mutually agreed upon in writing.

    


    2.       
    All provisions of the Credit Agreement and all other
documents securing, evidencing or otherwise pertaining to the Notes and Credit
Agreement that are inconsistent with this Agreement are hereby deleted or
amended accordingly.

    


    3.     
      Except as amended by the terms of this
Agreement, the Credit Agreement, Notes and all other documents pertaining
thereto shall remain in full force and effect in accordance with their
respective terms, as amended.


    
      
         


      

      
         


        
          

        

      

      
         


      

    


    WITNESS the following
signatures as of the date and year first above written.

    


    
      
        	
                Borrower:

              	 
      
	 
      	 
      	 
      
	 
      	
                HARDY
      CREDIT CO.

              
	 
      	 
      	 
      
	 
      	
                By:

              	
                84
      LADC, LLC

              
	 
      	
                Its:

              	
                General
      Partner

              
	 
      	 
      	 
      
	 
      	
                By:

              	
                 /s/ Daniel M.
  Wallach

              
	 
      	 
      	
                Daniel
      M. Wallach

              
	 
      	
                Its:

              	
                Assistant Vice
      President

              
	 
      	 
      	 
      
	
                Bank:

              	 
      
	 
      	 
      	 
      
	 
      	
                UNITED BANK,
      INC.

              
	 
      	 
      	 
      
	 
      	
                By:

              	
                 /s/ Kenneth R.
  Summers

              
	 
      	 
      	
                Kenneth
      R. Summers

              
	 
      	
                Title:

              	
                Executive
      Vice-President

              


      

    

    


    Consented
to and acknowledged by the following participant bank:

    


    
      
        	 
      	
                COMMUNITY
      BANK, N.A.

              
	 
      	 
      	 
      
	 
      	
                By:

              	
                 /s/ BR McCune

              
	 
      	 
      	 
      
	 
      	
                Its:

              	
                President

              


      

    

    


    This
instrument was prepared by R. Scott Summers, P.L.L.C., P.O. Box 842, Morgantown,
West Virginia 26507-0842.