Document:

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                                                                 Exhibit 10.28.2

                           AMENDMENT NO. THREE TO THE
              ARTHUR J. GALLAGHER & CO. RESTATED 1989 NON-EMPLOYEE
                          DIRECTORS' STOCK OPTION PLAN

     THIS AMENDMENT NO. THREE to the ARTHUR J. GALLAGHER & CO. 1989 NON-EMPLOYEE
DIRECTORS' STOCK OPTION PLAN (as restated January 22, 1998), dated January 18,
2001, is made by Arthur J. Gallagher & Co., a Delaware corporation (the
"Company").

     WHEREAS, the Arthur J. Gallagher & Co. 1989 Non-Employee Directors' Stock
Option Plan (the "Plan") was adopted by the Company's Board of Directors and
approved by the Company's Stockholders in 1989; and

     WHEREAS, the Company's Board of Directors has determined that the Plan
should be amended to increase the number of shares of the Company's Common Stock
subject to the Plan by 85,000 from 940,000 to 1,025,000 shares.

     NOW, THEREFORE, in consideration of the foregoing and in order to reflect
the approval of the Board of Directors of the Company:

     1.  The first sentence of Section 4 of the Plan is hereby amended in its
entirety to read as follows:

     "The shares that may be made subject to Options under the Plan shall be
     shares of common stock, one dollar ($1.00) par value ("Common Stock"), of
     the Company, and the total number of shares subject to the Options and
     issued pursuant to this Plan shall not exceed, in the aggregate, 1,025,000
     shares of the Common Stock of the Company."

     2.  Except as expressly amended and supplemented by this Amendment, the
Plan is hereby ratified and confirmed in all respects.

     IN WITNESS WHEREOF, the Company has caused its President and Secretary to
execute this Amendment No. Three to the Plan as of the 18th day of January,
2001.

                                       ARTHUR J. GALLAGHER & CO.

                                       By: /s/ J. Patrick Gallagher, Jr.
                                           --------------------------------
                                           J. Patrick Gallagher, Jr.
                                           President

ATTEST:

/s/ Michael J. Cloherty
-----------------------------
Michael J. Cloherty
Secretary<PAGE>

                                  Exhibit 10.1
                                  AMENDMENT #1

THIS AMENDMENT (this "Amendment") to the Customer Referral and Support Agreement
dated February 26, 1999 (the "Agreement") by and among Moneta Group Investment
Advisors ("MGIA"), Enterbank Holdings, Inc. ("Enterbank") and Enterprise Bank of
Clayton ("Bank") is made and entered into as of March 1, 2001.

WHEREAS, MGIA, Enterbank and the Bank desire to amend the Agreement as provided
herein.

NOW THEREFORE, in consideration of the foregoing premises and the mutual
promises and covenants herein contained, the receipt and sufficiency of which
are hereby acknowledged, the parties hereto agree as follows:

1.   Section 4 (a) of the Agreement is hereby deleted and replaced in its
     entirety with the following:

          "(a) Beginning January 1, 2001 and each year thereafter, Bank shall
               pay to MGIA an annual fee as set forth below:

                                                  Annual Fee as a
                  EFA Gross Margin         Percentage of EFA Gross Margin
               -----------------------     ------------------------------
               First $2,000,000              12.5% of EFA Gross Margin
               Next $2,000,000               15.0% of EFA Gross Margin
               $4,000,001 - $6,000,000       17.5% of EFA Gross Margin
               $6,000,001 - $8,000,000       15.0% of EFA Gross Margin
               $8,000,001 and above          12.5% of EFA Gross Margin

               The fee shall be computed based upon EFA Gross Margin as of
               December 31st of the prior year. The fee shall be due and payable
               annually within thirty (30) days after December 31st of the prior
               year. If, prior to December 31st, there is a Change in Control or
               this Agreement is terminated by Enterbank or Bank prior to the
               Termination Date (defined below), MGIA shall be entitled to a
               pro-rated portion of the above-referenced fee from January 1 to
               the date of the Change in Control or the Termination Date, as
               applicable. Such pro-rated fee shall be due and payable within
               thirty (30) days of the date of such Change in Control or the
               Termination Date."

2.   Section 13 (a) of the Agreement is hereby deleted and replaced in its
     entirety with the following:

          "(a) Term. This Agreement shall be for a term of fifteen years
               commencing on the date hereof and expiring on January 1, 2014
               ("Termination Date"); provided, however, that:

               (i)    This Agreement may be terminated prior to the expiration
                      of its term (i) in the event that Enterbank or Bank shall
                      be subject to a Change in Control and Enterbank pays to
                      MGIA the compensation set forth in the Section 4(b), or
                      (ii) at the election of Enterbank or Bank after the grant
                      by Enterbank of Termination Options to MGIA as determined
                      in accordance with Section 5(c).

               (ii)   the expiration of this Agreement at the end of the term or
                      otherwise shall not relieve Bank of its obligation to
                      determine the EFA Gross Margin for the final accounting
                      period of this Agreement or the obligation of Enterbank to
                      pay compensation to MGIA or issue options in accordance
                      with the terms of this Agreement with respect to such
                      final accounting period.

               (iii)  the expiration or termination of this Agreement shall not
                      affect the validity of any outstanding option.

                                       1

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          (iv) the expiration of this Agreement at the end of the term or
otherwise shall not terminate the indemnification and hold harmless obligations
and covenants of the parties as set forth herein."

3.   Except as specifically modified by this Amendment, all terms and conditions
of the Agreement shall remain in full force and effect. In the event of any
inconsistency between the terms of the Agreement and this Amendment, the terms
of this Amendment shall control and the terms of the Agreement shall be
construed so as to be consistent therewith. This Amendment shall be binding upon
and inure to the benefit of the parties hereto and their respective successors
and permitted assigns.

4.   This Amendment may be executed in any number of counterparts, each of which
shall be an original, but all of which together shall constitute one instrument,
and in pleading or proving any provision of this Amendment, it shall not be
necessary to produce more than one of such counterparts.

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

MONETA GROUP INVESTMENT ADVISORS, INC.

By: /s/ Peter G. Schick
    -----------------------------------------------------
                 Peter G. Schick, President

ENTERBANK HOLDINGS, INC.

By: /s/ James C. Wagner
    -----------------------------------------------------
                 James C. Wagner, Chief Financial Officer

ENTERPRISE BANK OF CLAYTON

By: /s/ Fred H. Eller
    -----------------------------------------------------
                  Fred H. Eller, President

The undersigned hereby consents to the Amendment to the Agreement as set forth
above:

W.S. GRIFFITH AND CO., INC.

By:  /s/ Richard D. Keidan
     ----------------------------------------------------
Name: Richard D. Keidan
      ---------------------------------------------------
Title: President
       --------------------------------------------------

                                       2<PAGE>

                                  Exhibit 10.2

                                  AMENDMENT #2

THIS AMENDMENT (this "Amendment") to the Customer Referral and Support Agreement
dated February 26, 1999 (the "Agreement") by and among Moneta Group Investment
Advisors ("MGIA"), Enterbank Holdings, Inc. ("Enterbank") and Enterprise Bank of
Clayton ("Bank") is made and entered into as of May 16, 2001.

WHEREAS, MGIA, Enterbank and the Bank desire to amend the Agreement as provided
herein.

NOW THEREFORE, in consideration of the foregoing premises and the mutual
promises and covenants herein contained, the receipt and sufficiency of which
are hereby acknowledged, the parties hereto agree as follows:

3.   Section 2 (e) of the Agreement is hereby deleted and replaced in its
     entirety with the following: "(e) Monthly Report. Bank shall provide MGIA a
     monthly report with total balances opened during the prior month. Detail
     will be given on the accounts in which MGIA, or an individual working for
     MGIA, has power of attorney."

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

MONETA GROUP INVESTMENT ADVISORS, INC.

By: /s/ Peter G. Schick
    ------------------------------------------------------
                  Peter G. Schick, President

ENTERBANK HOLDINGS, INC.

By: /s/ James C. Wagner
    ------------------------------------------------------
                  James C. Wagner, Chief Financial Officer

ENTERPRISE BANK OF CLAYTON

By: /s/ Fred H. Eller
    ------------------------------------------------------
                  Fred H. Eller, President

The undersigned hereby consents to the Amendment to the Agreement as set forth
above:

W.S. GRIFFITH AND CO., INC.

By:  /s/ Richard D. Keidan
     -----------------------------------------------------
Name: Richard D. Keidan
      ----------------------------------------------------
Title: President
       ---------------------------------------------------

                                       3

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