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                                                                 EXHIBIT 10.6

[LOGO]

January 12, 2000

Laura Fisher, CPA, JD
6408 Edinburgh Drive
Nashville, TN 37221

REVISED OFFER LETTER #2

Dear Laura:

I am pleased to confirm to you the opportunity to join American Psych Systems
(APS) in the full-time professional position of Vice President and General
Counsel. Your salary will be $5,192.31 biweekly (if annualized, $135,000.00 per
year). You will be eligible for a bonus in the amount of 20% of your annualized
salary. Your bonus will be based on satisfying the company's Annual Plan which
will be mutually determined by the senior management team and approved by the
Board of Directors. You will currently be eligible for company benefits in
accordance with eligibility requirements. In addition, paid days leave (PDL)
will accrue at the rate of twenty (20) days per year.

You will be granted 35,000 stock options in accordance to the plans rules and
regulations upon approval from the Board of Directors to vest over five years.
Please find enclosed the Non-Compete and Confidentiality Agreement necessary for
your signature and return. Your start date will be February 28, 2000. This offer
of employment expires close of business on Friday, January 14, 2000.

A moving relocation allowance will be granted to you in the amount of $15,000.
This amount will include but not limited to the following: moving household
property, costs associated with the sale of your current property, interim
housing, storage of household property, return trips to Tennessee, house hunting
trips, and car moving expenses. The allowable relocation amount must be used
within your first year of employment. All expenses will be reimbursed to you
upon proper submission of expense reports with appropriate attachments.

In the event of termination without cause, you will be eligible for severance
payments in accordance to the enclosed Non-Competition and Confidentiality
Agreement.

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January 12, 2000
Laura Fisher
Page 2

Employment is contingent on satisfying all employment requirements applicable to
your position including but not limiting to the following: Employment
Eligibility Verification (I-9), reference check, etc. Please note that your
employment with American Psych Systems is subject to the terms and conditions
outlined in the Application for Employment. Please complete the application
previously sent to you and return.

Employment at American Psych Systems is "at-will" which means that either you or
the Corporation may terminate the employment relationship at any time for any
reason not prohibited by law. This "at-will" relationship may only be changed in
the event that an individual written employment agreement exists, and is signed
by the President of American Psych Systems.

We look forward to your acceptance of this offer. Please indicate your
acceptance by signing and returning a copy of this letter. If you have any
questions, please call me at (301) 571-0633 x3503. You may confidentially fax
your acceptance letter to me at (301) 581-9419.

Sincerely,

Maureen Birnbaum
Director of Human Resources

ACCEPTED BY:

/s/ Laura Fisher
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Signature                           Date<PAGE>

                                                                 EXHIBIT 10.7

                                                                    BY FACSIMILE

November 22, 1999

Terah Cochrane
3302 Clearfield Drive
Grapevine, TX  76051

Dear Terah:

I am extremely pleased that you would like to join APS, subject to our working
out the financial terms. I believe that you will make a major contribution to
the success of the company, and that we will enjoy working together again. I've
listed below the major financial terms we discussed and outlined an offer for
those that still need to be worked through. In addition, I've included a copy of
the company's standard Confidentiality and NonCompete Agreement.

         1)       Base Salary: $165,000 Per Annum

         2)       Your sales commission for full-risk health plan business will
                  be 1.5% of collected revenues in year 1 and 0.75% of revenues
                  in year 2. Your sales commission for ASO business including
                  EAP will be 3% of collected revenues in year 1 and 1.5% of
                  revenues in year 2.

         3)       You will receive an option for the purchase of 125,000 shares
                  of APS stock at the last transaction price of $2.85 per share.
                  These options will be covered by the company's ISO plan, which
                  carries a 5-year vesting schedule. If the company is sold, the
                  vesting will accelerate and the options will be 100% vested.

         4)       You will receive up to a maximum of $300,000 from APS to
                  offset the loss of expected year 2000 commissions, divided as
                  follows: 50% of the expected amount in cash payable monthly as
                  the commission would have been earned and 50% in a grant of
                  APS stock (please note: outright stock grant, not options to
                  purchase stock) valued at the current share price. The stock
                  grant will vest over 5 years. However, as soon as you
                  cumulatively close $25M in APS sales the vesting will
                  accelerate and the grant will be 100% vested should this occur
                  before 5 years from the date of your employment. If you either
                  leave voluntarily or are terminated for cause, you will
                  forfeit the unvested portion of the stock grant. If, on the
                  other hand, you are terminated without cause, the stock grant
                  will vest 100%.

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Terah Cochrane
November 22, 1999
Page 2

In reference to the company's Non-Compete Agreement, I agreed to modify it such
that the company will pay you one year's base salary in exchange for exercising
the company's right to its non-competition agreement with you for a period of
one year.

I have agreed to your request for time off before starting work with APS and
your being eligible for 5 weeks of paid vacation a year.

Terah, I look forward to working through these issues with you and moving
quickly to having you begin to help build APS into the premier specialty managed
care company.

Best,

Kenneth A. Kessler, M.D.
President and Chief Executive Officer

Attachment

ACCEPTED BY:

/s/ Terah Cochrane
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Terah Cochrane                      Date<PAGE>

                                                                EXHIBIT 10.8

[LOGO AMERICAN PSYCH SYSTEMS]

August 4, 1999

Albert Graves
790 Cool Glade Court
Millersville, Maryland 21108

Dear Mr. Graves:

I am pleased to confirm to you the opportunity to join American Psych Systems in
the full-time professional position of Senior Vice President of Management
Information Systems and Chief Information Officer. Your salary will be $6,538.46
bi-weekly (if annualized, S 170,000.00 per year). You will currently be eligible
for company benefits in accordance to eligibility requirements. In addition,
paid days leave (PDL) will accrue at the rate of twenty (20) days per year. As a
one-time sign on bonus, you will receive an additional five (5) days of PDL to
be used in September 1999.

In addition, you will be granted 75,000 stock options according to the terms and
regulations of the plan. Your vesting schedule will be base on a five (5) year
schedule. You will additionally be eligible for a bonus in the amount of up to
20% of your annualized salary. Your start date will be August 16, 1999. This
offer of employment expires on August 12, 1999.

Employment is contingent on satisfying all employment requirements applicable to
your position including but not limiting to the following: Employment
Eligibility Verification (I-9), reference check, etc. Please note that your
employment with American Psych Systems is subject to the terms and conditions
outlined in the Application for Employment. An application is enclosed for your
completion and return. Employment at American Psych Systems is "at-will" which
means that either you or the Corporation may terminate the employment
relationship at any time for any reason not prohibited by law. This "at-will"
relationship may only be changed in the event that an individual written
employment agreement exists, and is signed by the President of American Psych
Systems.

We look forward to your acceptance of this offer. Please indicate your
acceptance by signing and returning a copy of this letter. If you have any
questions, please call me at (301) 571-0633 x3503. You may confidentially fax
your acceptance letter to me at (301) 581-9419.

Sincerely,

Maureen Birnbaum
Director of Human Resources

ACCEPTED BY:

/s/ Albert Graves                   8/6/99
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Signature                           Date<PAGE>

                                                                   EXHIBIT 10.9

[LOGO AMERICAN PSYCH SYSTEMS]

October 7, 1998

Stephen DaRe
510 Red Birch Road
Millersville, MD 21108

Dear Mr. DaRe:

I am pleased to confirm to you the offer to join American Psych Systems in the
full-time professional position of Executive Vice President of Finance and Chief
Financial Officer. Your salary will be $6,730.77 biweekly (if annualized,
$175,000 per year). You will currently be eligible for company benefits
according to eligibility requirements. In addition, paid days leave (PDL) will
accrue at the rate of twenty (20) days per year. As discussed, you will
compensated for two (2) weeks of PDL in addition to your regular weekly accrual.
Your two (2) week leave, will be mutually agreed upon by you and American Psych
Systems.

In addition, you will be granted 100,000 stock options according to the terms
and regulations of the plan. You will additionally be eligible for a bonus in
the amount of up to 25% of your annualized salary. Your start date will be
mutually agreed upon by you and the President of APS on or before thirty (30)
days after acceptance of this offer. This offer of employment expires at close
of business on October 12, 1998.

In the event, American Psych Systems is purchased within one (1) year of your
start date and a comparable position is not offered to you, you will be eligible
for one (1) year severance payment in the amount of your current annualized
salary. Payments will be issued on a monthly basis.

Employment is continuing on satisfying all employment requirements applicable
to your position including but not limiting to the following: Employment
Eligibility Verification (I-9), credentialing criteria, reference check, etc.
Please note the your employment with American Psych Systems is subject to the
terms and conditions outlined in the Application for Employment. An application
is enclosed for your completion and return. The company's non-compete agreement
applied to positions at your level is included for your signature. Employment at
American Psych Systems is "at will" which means that either you or the
Corporation may terminate the employment relationship at any time for any reason
not prohibited by law. This "at-will" relationship may only be changed in the
event that an individual written employment agreement exists, and is signed by
the President of American Psych Systems.

<PAGE>

Mr. Stephen DaRe
October 7, 1998

We look forward to your acceptance of this offer. Please indicate your
acceptance by signing and returning a confidential copy of this letter. If you
have any questions, please feel free to call me at (301) 530-4222 x3503. To
ensure confidentiality, please feel free to fax your acceptance to my private
fax at (301) 581-9419.

Sincerely,

/s/ Maureen Birnbaum

Maureen Birnbaum
Director of Human Resources

ACCEPTED BY:

/s/ Stephen DaRe                                           10/9/98
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Signature                                                  Date

[LOGO AMERICAN PSYCH SYSTEMS]

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