Document:

<PAGE>   1
                                  EXHIBIT 10.1

                    AMENDMENT FOURTEEN TO MARKETING AGREEMENT

This document is Amendment Fourteen to the Marketing Agreement, made and entered
into effective June 1, 1993, and amended by Amendment One to Marketing Agreement
dated September 16, 1993; Amendment Two to Marketing Agreement dated June 4,
1998; Amendment Three to Marketing Agreement dated September 25, 1998; Amendment
Four to Marketing Agreement dated October 19, 1998; and Amendment Five to
Marketing Agreement dated December 15, 1998; Amendment Six to Marketing
Agreement dated March 25, 1999, Amendment Seven to Marketing Agreement dated May
10, 1999, Amendment Eight to Marketing Agreement dated June 24, 1999, Amendment
Nine to Marketing Agreement dated August 5, 1999, Amendment Ten to Marketing
Agreement dated October 1, 1999, Amendment Eleven to Marketing Agreement dated
January 31, 2000, Amendment Twelve to Marketing Agreement dated February 29,
2000, and Amendment Thirteen to Marketing Agreement dated April 19, 2000, (the
"Agreement"), by and between American National Insurance Company ("American
National") a Texas corporation, and Legacy Marketing Group ("LMG"), a California
corporation.

In consideration of mutual covenants contained herein, the parties agree as
follows:

1.      Section 3.1 of the Agreement is hereby deleted in its entirety and the
        following new Section 3.1 shall be substituted therefore:

        "3.1 Subject to termination as hereinafter provided, this Agreement
        shall remain in force and effect until the close of business on
        September 30, 2000, the term of this Agreement. This Agreement may be
        renewed by mutual agreement for successive terms of one (1) year unless
        terminated by either party by prior written notice to the other at least
        one hundred eighty (180) days prior to the end of the initial term or
        the renewal term."

2.      Except as specifically amended hereby, all terms and provisions of the
        Marketing Agreement shall remain in full force and effect.

<TABLE>
<CAPTION>
        LEGACY MARKETING GROUP                     AMERICAN NATIONAL INSURANCE
                                                   COMPANY
<S>                                        <C>
        By:       /s/ Preston Pitts          By:        /s/ Kelly M. Collier
                  -----------------                     --------------------

        Title:    President                  Title:     V. P. Alternative Distribution
                  ---------                             ------------------------------

        Witness:  /s/ Anne Sedleniek         Witness:   /s/Nicole Abraham
                  ------------------                    -----------------

        Date:     July 31, 2000              Date:      July 6, 2000
                  -------------                         ------------
</TABLE><PAGE>   1
                                  EXHIBIT 10.2

              AMENDMENT THIRTEEN TO INSURANCE PROCESSING AGREEMENT

This document is Amendment Thirteen to the Insurance Processing Agreement, made
and entered into effective June 1, 1993, and amended by Amendment One to
Marketing Agreement dated September 16, 1993; Amendment One to Insurance
Processing dated June 4, 1998; Amendment Two to Insurance Processing Agreement
dated September 25, 1998; Amendment Three to Insurance Processing Agreement
dated October 19, 1998; Amendment Four to Insurance Processing Agreement dated
December 15, 1998; Amendment Five to Insurance Processing Agreement dated March
25, 1999, Amendment Six to Insurance Processing Agreement dated May 10, 1999,
Amendment Seven to Insurance Processing Agreement dated June 24, 1999, Amendment
Eight to Insurance Processing Agreement dated August 5, 1999, Amendment Nine to
Insurance Processing Agreement dated October 1, 1999, Amendment Ten to Insurance
Processing Agreement dated January 31, 2000, Amendment Eleven to Insurance
Processing Agreement dated March 1, 2000, and Amendment Twelve to Insurance
Processing Agreement dated April 19, 2000, (the "Agreement"), by and between
American National Insurance Company ("American National") a Texas corporation,
and Legacy Marketing Group ("LMG"), a California corporation.

In consideration of mutual covenants contained herein, the parties agree as
follows:

1.      Section 6.1 of the Agreement is hereby deleted in its entirety and the
        following new Section 6.1 shall be substituted therefore:

        "6.1 Subject to termination as hereinafter provided, this Agreement
        shall remain in force and effect until the close of business on July 31,
        2000, the term of this Agreement. This Agreement may be renewed by
        mutual agreement for additional successive terms of one (1) year unless
        terminated by either party by prior written notice to the other at least
        one hundred eighty (180) days prior to the end of the initial term or
        the renewal term."

2.      Except as specifically amended hereby, all terms and provisions of the
        Insurance Processing Agreement shall remain in full force and effect.

<TABLE>
<CAPTION>
        LEGACY MARKETING GROUP                     AMERICAN NATIONAL INSURANCE
                                                   COMPANY
<S>                                         <C>
        By:       /s/ Preston Pitts          By:        /s/ Kelly M. Collier
                  -----------------                     --------------------

        Title:    President                  Title:     V. P. Alternative Distribution
                  ---------                             ------------------------------

        Witness:  /s/ Anne Sedleniek         Witness:   /s/Nicole Abraham
                  ------------------                    -----------------

        Date:     July 31, 2000              Date:      July 6, 2000
                  -------------                         ------------
</TABLE><PAGE>   1

EXECUTION COPY                                                      Exhibit 10.1
                               AMENDMENT NO. 1 TO
                        OPTION AGREEMENT FOR COMMON STOCK

         AMENDMENT AGREEMENT No. 1, dated as of May 2, 2000 ("Amendment No.1"),
between Lafarge Corporation, a Maryland corporation (the "Company"),
and Lafarge S.A., a French corporation formerly known as Lafarge Coppee S.A.
(the "Parent").

                                   WITNESSETH

         WHEREAS, the Company and Parent are parties to an Option Agreement for
Common Stock dated as of November 1, 1993 (the "Original Agreement").

         WHEREAS, the Original Agreement provides that whenever the Company
issues Relevant Voting Securities to any person other than the Parent, the
Parent shall have the right to purchase from the Company that amount of Relevant
Voting Securities necessary to permit the Parent to maintain a control margin of
1,000,000 votes in excess of 50% of the Total Voting Power of the Company as
defined within the Original Agreement (the "Control Right").

         WHEREAS, the Parent, through its present holdings of the Company's
securities, currently maintains the control margin reflected within the Control
Right.

         WHEREAS, the Control Right applies when the Company issues securities
that do not then carry voting rights but which are at some future date
exercisable for or convertible into the Company's Voting Securities such that
the Parent would be required to purchase from the Company similar convertible
securities at the same time the Company issues such convertible securities to
persons other than the Parent.

         WHEREAS, the underlying purpose of the Original Agreement is to permit
the Parent to maintain the control margin reflected within the Control Right.

         WHEREAS, when the Company issues convertible securities to persons
other than the Parent, the underlying purpose of the Original Agreement does not
require the Parent to purchase convertible securities at the same time that the
Company issues such convertible securities to persons other than the Parent.

         WHEREAS, when the Company issues convertible securities to persons
other than the Parent, the underlying purpose of the Original Agreement can be
achieved by giving the Parent the right to purchase from the Company an
appropriate number of Relevant Voting Securities for or into which such
convertible securities are exercisable or convertible when the persons to whom
the Company issued the convertible securities exercises or converts such
convertible securities.

         WHEREAS, the Company and the Parent desire to amend the Original
Agreement so that whenever the Company issues convertible securities to persons
other than the Parent, the Parent can choose to maintain the control margin
reflected within the Control Right by either purchasing from the Company an
appropriate amount of Relevant Voting Securities at the same

<PAGE>   2

time that the Company issues such convertible securities or purchasing from the
Company an appropriate amount of Relevant Voting Securities upon the exercise or
conversion of such convertible securities and the related issuance by the
Company to persons other than the Parent of Relevant Voting Securities for or
into which such convertible securities are exercisable or convertible.

         WHEREAS, all capitalized terms used but not defined herein shall have
the meanings given them in the Original Agreement.

         NOW, THEREFORE, in consideration of the premises and the mutual and
dependent promises hereinafter set forth, the parties hereto agree as follows:

         SECTION 1.  Issuance of Convertible Securities

         (a)  When the Company shall issue to any person other than the Parent
any Relevant Voting Securities which are also Convertible Securities, the Parent
shall have the right, in its sole discretion, to either:

         (i)  purchase Relevant Voting Securities from the Company pursuant
              to the terms and conditions set forth in the Original Agreement
              as if this Amendment No. 1 had never been executed and delivered,
              or

         (ii) Purchase from the Company at the time the Company issues
              Underlying Securities to any person other than the Parent up
              to the amount of Underlying Securities as shall be necessary
              to permit the Parent to achieve (on a basis assuming the
              exercise of all conversion, exchange and similar rights of
              outstanding securities except employee stock options) a
              control margin of 1,000,000 votes in excess of 50% of the
              Total Voting Power to be represented by all Includible Voting
              Securities to be outstanding (or deemed to be outstanding)
              after such issuances by the Company and purchases by the
              Parent and the other purchaser(s).

          (b) If the Parent elects to purchase Underlying Securities from the
Company pursuant to the provisions of Section 1(a)(ii) above, the Parent shall
pay the greater of the following to the Company for each Underlying Security it
shall purchase:

           (i) if the Convertible Securities giving rise to the Underlying
               Securities to be purchased by the Parent are interest bearing
               securities (e.g. convertible debentures), the total
               consideration paid to the Company for the Convertible
               Securities, divided by the total number of Underlying
               Securities which the Convertible Securities entitled the
               holder thereof to receive upon conversion or exercise thereof;
               plus the additional consideration, if any, per each share of
               Underlying Security paid by the holder of the Convertible
               Securities upon exercise or conversion thereof;

                                       2

<PAGE>   3

       (ii)   if the Convertible Securities giving rise to the Underlying
              Securities to be purchased by the Parent are non-interest
              bearing securities (e.g. warrants), the total consideration
              paid to the Company for the Convertible Securities, plus
              interest on such amount from the date of issuance of the
              Convertible Securities through the date of issuance of the
              Underlying Securities (the "Interest Period") at the
              Applicable Interest Rate (calculated for actual days elapsed
              on the basis of a 360-day year) for each calendar quarter, or
              part thereof, within the Interest Period, divided by the
              total number of Underlying Securities which the
              Convertible Securities entitled the holder thereof to receive
              upon conversion or exercise thereof; plus the additional
              consideration, if any, per each share of Underlying Security
              paid by the holder of the Convertible Securities upon
              exercise or conversion thereof; or

       (iii)  a price per each share of Underlying Security equal to (x) if
              the Underlying Securities are Common Stock, the average of
              the closing prices for the Common Stock during the thirty
              (30) day trading period ending the day prior to the closing
              of the issuance by the Company of the Underlying Securities
              to the persons other than the Parent, or (y) if the
              Underlying Securities are other than Common Stock, the fair
              market value thereof as determined by reference to the
              current issuance thereof (assuming, if not the case, that
              such shares were issued in a public offering and based on an
              opinion of an independent investment banking firm or other
              expert retained by the Company, which expert shall be
              acceptable to the Parent in the exercise of its reasonable
              discretion).

       (c)    Within the notice to Parent required by Section 1(b) of the
Original Agreement, the Company shall indicate whether the Relevant Voting
Security of which it is giving notice is also a Convertible Security. If the
Relevant Voting Security of which the Company gives notice is also a Convertible
Security, the Parent shall notify the Company within the fifteen (15) day
response period provided to Parent by Section 1(b) of the Original Agreement
which of alternatives (i) or (ii) in Section 1(a) above it shall follow with
respect to such issuance of Relevant Voting Securities. If the Parent does not
so notify the Company within such fifteen (15) day period, the Parent's rights
with respect to such Relevant Voting Securities shall be as set forth in
alternative (i) in Section 1(a) above.

       (d)    The Company shall notify the Parent in writing sufficiently in
advance of any proposed issue of Underlying Securities covered by the right to
purchase granted to the Parent pursuant to Section 1(a)(ii) above so that
Parent, after receipt of such notice but prior to any such issuance, shall have
a period of fifteen days to determine whether to exercise its right to purchase
Underlying Securities. The Company's notice, to the extent information is known
or reasonably subject to estimation, shall include information as to the
estimated nature and date of the proposed issue and the estimated price and
amount of securities to be issued. If the Parent, within the fifteen day period,
notifies the Company (which notice shall specify whether the Parent intends to
purchase all or only a specified portion of the Underlying Securities
it could elect to purchase) of its intention to exercise this right, then,
simultaneously with, or immediately prior to, the issue of such Underlying
Securities, the Parent shall purchase from the Company, and the Company shall
issue and sell to the Parent, the number of Underlying Securities

                                       3

<PAGE>   4

determined as provided in Section 1(a)(ii) of this Amendment No. 1 (or such
reduced amount as may be specified in the Parent's notice to the Company) at a
price per share determined as provided in Section 1(b) of this Amendment No. 1.

      "Applicable Interest Rate" shall mean for each calendar quarter, or
part thereof, within the Interest Period the three month London Interbank
Offered Rate for the first business day of such calendar quarter as reported in
the next business day's Wall Street Journal, plus that number of basis points
charged or chargeable to the Company on such day under the Company's then
existing committed credit facilities above the London Interbank Offered Rate
then applicable under such credit facilities.

      "Convertible Securities" shall mean Relevant Voting Securities which
are not entitled to vote but which i) entitle the holder thereof (or which the
holder thereof may exercise) to purchase from the Company Relevant Voting
Securities having the right to vote or ii) which are convertible by the holder
thereof into Relevant Voting Securities having the right to vote.

      "Underlying Securities" shall mean Relevant Voting Securities having
the right to vote which a holder of Convertible Securities is entitled to
receive pursuant to the terms of or upon the exercise or conversion of
Convertible Securities.

      SECTION 2.        Entire Agreement

      All provisions of the Original Agreement shall remain in full force and
effect and the provisions thereof, in conjunction with the provisions of this
Amendment No. 1, shall represent the entire agreement of the Company and the
Parent with respect to the matters addressed therein and herein.

      SECTION 3         Regulatory Approval

      This Amendment No. 1 is contingent upon receipt of all applicable
regulatory approval.

      SECTION 4.        Governing Law

      This Amendment No. 1 relates to the securities of a Maryland
corporation, and shall be construed in accordance with, and the rights of the
parties shall be governed by, the law of the State of Maryland, without regard
to the principals of conflict of laws.

      SECTION 5.        Counterparts

      This Amendment No. 1 may be executed in any number of counterparts, each
of which shall be deemed to be an original and all of which together shall be
deemed to be one and the same instrument.

                            [Signature page follows]

                                       4

<PAGE>   5

      IN WITNESS WHEREOF, each of the parties hereto has executed this
Amendment No. 1 as of the day and year first above written.

                                            LAFARGE CORPORATION

                                            By:/s/ Larry J. Waisanen
                                               --------------------------------
                                               Larry J. Waisanen
                                               Executive Vice President and
                                               Chief Financial Officer

                                            LAFARGE S.A.

                                            By: /s/ Jean-Pierre Cloiseau
                                                -------------------------------
                                                Jean-Pierre Cloiseau
                                                Senior Vice President Finance

                                      5

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