Document:

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                                                                   Exhibit 10(l)

                         TERMINATION BENEFITS AGREEMENT

            This Termination Benefits Agreement ("Agreement") is made and
entered into as of March 19, 2001, by and between Integra Bank Corporation, an
Indiana corporation (hereinafter referred to as the "Corporation") and Martin M.
Zorn (hereinafter referred to as "Employee").

                               W I T N E S S E T H
                               - - - - - - - - - -

            WHEREAS, Employee is an at-will employee of the Corporation and
has been appointed an executive officer of the Corporation; and

            WHEREAS, the Corporation believes that Employee will make valuable
contributions to the productivity and profitability of the Corporation; and

            WHEREAS, the Corporation desires to encourage Employee to continue
to make such contributions and not to seek or accept employment elsewhere; and

            WHEREAS, the Corporation, therefore, desires to assure Employee of
certain benefits in case of any termination or significant redefinition of the
terms of his employment with the Corporation in connection with any Change in
Control of the Corporation;

            NOW, THEREFORE, in consideration of the foregoing and of the mutual
covenants herein contained and the mutual benefits herein provided, the
Corporation and Employee hereby agree as follows:

            1.    The term of this Agreement shall be from the date hereof
through December 31, 2004; provided, however, that such term shall be
automatically extended for an additional year on December 31, 2001, and on
December 31 of each year thereafter unless either party hereto gives written
notice to the other party not to so extend prior to November 30 of the year for
which notice is given, in which case no further automatic extension shall occur
and the term of this Agreement shall end on December 31 two (2) years subsequent
to the date of the latest preceding automatic extension. Notwithstanding the
foregoing, if a Change in Control of the Corporation (as defined in Section 2
below) shall occur prior to the expiration of the original term or any
extensions of the term of this Agreement, then the term of this Agreement shall
automatically become a term of two (2) years commencing on the date of any such
Change in Control.

            2.    As used in this Agreement, "Change in Control" of the
Corporation means:

            (A)   The acquisition by any individual, entity or group (within the
      meaning of Section 13(d)(3) or 14(d)(2) of the Securities Exchange Act of
      1934, as amended (the "Exchange Act") (a "Person") of beneficial ownership
      (within the meaning of Rule 13d-3 promulgated under the Exchange Act as in
      effect from time to time) of twenty-five percent (25%) or more of either
      (i) the then outstanding shares of common stock of the Corporation or (ii)
      the combined voting power of the then outstanding voting securities of the
      Corporation entitled
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      to vote generally in the election of directors; provided, however, that
      the following acquisitions shall not constitute an acquisition of control:
      (i) any acquisition directly from the Corporation (excluding an
      acquisition by virtue of the exercise of a conversion privilege), (ii) any
      acquisition by the Corporation, (iii) any acquisition by any employee
      benefit plan (or related trust) sponsored or maintained by the Corporation
      or any corporation controlled by the Corporation, or (iv) any acquisition
      by any corporation pursuant to a reorganization, merger or consolidation,
      if, following such reorganization, merger or consolidation, the conditions
      described in clauses (i), (ii) and (iii) of subsection (C) of this Section
      2 are satisfied;

            (B)   Individuals who, as of the date hereof, constitute the Board
      of Directors of the Corporation (the "Incumbent Board") cease for any
      reason to constitute at least a majority of the Board of Directors of the
      Corporation (the "Board"); provided, however, that any individual becoming
      a director subsequent to the date hereof whose election, or nomination for
      election by the Corporation's shareholders, was approved by a vote of at
      least a majority of the directors then comprising the Incumbent Board
      shall be considered as though such individual were a member of the
      Incumbent Board, but excluding, for this purpose, any such individual
      whose initial assumption of office occurs as a result of either an actual
      or threatened election contest (as such terms are used in Rule 14a-11 of
      Regulation 14A promulgated under the Exchange Act) or other actual or
      threatened solicitation of proxies or consents by or on behalf of a Person
      other than the Board; or

            (C)   Approval by the shareholders of the Corporation of a
      reorganization, merger or consolidation, in each case, unless, following
      such reorganization, merger or consolidation, (i) more than sixty percent
      (60%) of, respectively, the then outstanding shares of common stock of the
      corporation resulting from such reorganization, merger or consolidation
      and the combined voting power of the then outstanding voting securities of
      such corporation entitled to vote generally in the election of directors
      is then beneficially owned, directly or indirectly, by all or
      substantially all of the individuals and entities who were the beneficial
      owners, respectively, of the outstanding Corporation common stock and
      outstanding Corporation voting securities immediately prior to such
      reorganization, merger or consolidation in substantially the same
      proportions as their ownership, immediately prior to such reorganization,
      merger or consolidation, of the outstanding Corporation stock and
      outstanding Corporation voting securities, as the case may be, (ii) no
      Person (excluding the Corporation, any employee benefit plan or related
      trust of the Corporation or such corporation resulting from such
      reorganization, merger or consolidation and any Person beneficially
      owning, immediately prior to such reorganization, merger or consolidation,
      directly or indirectly, twenty-five percent (25%)

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      or more of the outstanding Corporation common stock or outstanding voting
      securities, as the case may be) beneficially owns, directly or indirectly,
      twenty-five percent (25%) or more of, respectively, the then outstanding
      shares of common stock of the corporation resulting from such
      reorganization, merger or consolidation or the combined voting power of
      the then outstanding voting securities of such corporation entitled to
      vote generally in the election of directors and (iii) at least a majority
      of the members of the board of directors of the corporation resulting from
      such reorganization, merger or consolidation were members of the Incumbent
      Board at the time of the execution of the initial agreement providing for
      such reorganization, merger or consolidation; or

            (D)   Approval by the shareholders of the Corporation of (i) a
      complete liquidation or dissolution of the Corporation or (ii) the sale or
      other disposition of all or substantially all of the assets of the
      Corporation, other than to a corporation with respect to which following
      such sale or other disposition (a) more than sixty percent (60%) of,
      respectively, the then outstanding shares of common stock of such
      corporation and the combined voting power of the then outstanding voting
      securities of such corporation entitled to vote generally in the election
      of directors is then beneficially owned, directly or indirectly, by all or
      substantially all of the individuals and entities who were the beneficial
      owners, respectively, of the outstanding Corporation common stock and
      outstanding Corporation voting securities immediately prior to such sale
      or other disposition in substantially the same proportion as their
      ownership, immediately prior to such sale or other disposition, of the
      outstanding Corporation common stock and outstanding Corporation voting
      securities, as the case may be, (b) no Person (excluding the Corporation
      and any employee benefit plan or related trust of the Corporation or such
      corporation and any Person beneficially owning, immediately prior to such
      sale or other disposition, directly or indirectly, twenty-five percent
      (25%) or more of the outstanding Corporation common stock or outstanding
      Corporation voting securities, as the case may be) beneficially owns,
      directly or indirectly, twenty-five percent (25%) or more of,
      respectively, the then outstanding shares of common stock of such
      corporation and the combined voting power of the then outstanding voting
      securities of such corporation entitled to vote generally in the election
      of directors and (c) at least a majority of the members of the board of
      directors of such corporation were members of the Incumbent Board at the
      time of the execution of the initial agreement or action of the Board
      providing for such sale or other disposition of assets of the Corporation.

            3.    The Corporation shall provide Employee with the benefits set
forth in Section 6 of this Agreement upon any termination of Employee's
employment by the Corporation following a Change in Control during the term of
this Agreement for any reason except the following:

            (A)   Termination by reason of Employee's death.

            (B)   Termination by reason of Employee's "disability." For purposes
      hereof, "disability" shall be defined as Employee's inability by reason of
      illness or other physical or mental disability to perform the duties
      required by his

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      employment for any consecutive One Hundred Eighty (180) day period,
      provided that notice of any termination by the Corporation because of
      Employee's "disability" shall have been given to Employee prior to the
      resumption by him of the performance of such duties.

            (C)   Termination upon Employee reaching his normal retirement date,
      which for purposes of this Agreement shall be deemed to be the end of the
      month during which employee reaches sixty-five (65) years of age.

            (D)   Termination for "cause." As used in this Agreement, the term
      "cause" means fraud, dishonesty, theft of corporate assets, or other gross
      misconduct by Employee. Notwithstanding the foregoing, Employee shall not
      be deemed to have been terminated for cause unless and until there shall
      have been delivered to him a copy of a resolution duly adopted by the
      affirmative vote of not less than a majority of the entire membership of
      the Corporation's Board at a meeting called and held for the purpose
      (after reasonable notice to him and an opportunity for him, together with
      his counsel, to be heard before such Board), finding that, in the good
      faith opinion of such Board, Employee was guilty of conduct constituting
      "cause" and specifying the particulars thereof in detail.

            4.    The Corporation shall also provide Employee with the benefits
set forth in Section 6 of this Agreement upon any termination of Employee's
employment with the Corporation at Employee's option if any one of the following
events occurs within six (6) months prior to or within two (2) years following a
Change in Control:

            (A)   Without Employee's express written consent, the assignment of
      Employee to any duties which, in Employee's reasonable judgment, are
      materially inconsistent with his positions, duties, responsibilities or
      status with the Corporation immediately prior to the earlier of
      termination of employment or the Change in Control or a substantial
      reduction of his duties or responsibilities which, in Employee's
      reasonable opinion, does not represent a promotion from his position,
      duties or responsibilities immediately prior to the earlier of termination
      of employment or the Change in Control.

            (B)   A reduction by the Corporation in Employee's salary from the
      level of such salary immediately prior to the earlier of termination of
      employment or the Change in Control or the Corporation's failure to
      increase (within twelve (12) months of Employee's last increase in base
      salary) Employee's base salary after a Change in Control in an amount
      which at least equals, on a percentage basis, the average percentage
      increase in base salary for all executive and senior officers of the
      Corporation effected in the preceding twelve (12) months.

            (C)   The failure by the Corporation to continue in effect any
      incentive, bonus or other compensation plan in which Employee
      participates, including but not limited to the Corporation's stock option
      plans, unless an equitable

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      arrangement (embodied in an ongoing substitute or alternative plan), with
      which Employee has consented, has been made with respect to such plan in
      connection with the Change in Control, or the failure by the Corporation
      to continue Employee's participation therein, or any action by the
      Corporation which would directly or indirectly materially reduce
      Employee's participation therein.

            (D)   The failure by the Corporation to continue to provide Employee
      with benefits substantially similar to those enjoyed by Employee or to
      which Employee was entitled under any of the Corporation's principal
      pension, profit sharing, life insurance, medical, dental, health and
      accident, or disability plans in which Employee was participating
      immediately prior to the earlier of the termination of employment or the
      Change in Control, the taking of any action by the Corporation which would
      directly or indirectly materially reduce any of such benefits or deprive
      Employee of any material fringe benefit enjoyed by Employee or to which
      Employee was entitled immediately prior to the earlier of the termination
      of employment or the Change in Control, or the failure by the Corporation
      to provide Employee with the number of paid vacation and sick leave days
      to which Employee is entitled on the basis of years of service or position
      with the Corporation in accordance with the Corporation's normal vacation
      policy in effect on the date hereof.

            (E)   The Corporation's requiring Employee to be based anywhere
      other than the metropolitan area where the Corporation office at which he
      was based immediately prior to the earlier of the termination of
      employment or the Change in Control was located, except for required
      travel on the Corporation's business in accordance with the Corporation's
      past management practices.

            (F)   Any failure of the Corporation to obtain the assumption of the
      obligation to perform this Agreement by any successor as contemplated in
      Section 10 hereof.

            (G)   Any failure by the Corporation or its shareholders, as the
      case may be, to reappoint or reelect Employee to a corporate office held
      by him immediately prior to the earlier of the termination of employment
      or the Change in Control or his removal from any such office including any
      seat held at such time on the Corporation's Board of Directors.

            (H)   The effectiveness of a resignation, tendered at any time,
      either before or after a Change in Control and regardless of whether
      formally characterized as voluntary or otherwise, by Employee of any
      corporate office held by him immediately prior to the Change in Control or
      of any seat held at such time on the Corporation's Board of Directors, at
      the request of the Corporation or at the request of the person obtaining
      control of the Corporation in such Change in Control.

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            (I)   Any purported termination of the Employee's employment which
      is not effected pursuant to a Notice of Termination satisfying the
      requirements of Section 5 hereof (and, if applicable, Section 3(D)
      hereof); and for purposes of this Agreement, no such purported termination
      shall be effective.

            (J)   Any request by the Corporation that Employee participate in an
      unlawful act or take any action constituting a breach of Employee's
      professional standard of conduct.

            (K)   Any breach by the Corporation of any of the provisions of this
      Agreement or any failure by the Corporation to carry out any of its
      obligations hereunder.

Notwithstanding anything in this Section 4 to the contrary, Employee's right to
terminate Employee's employment pursuant to this Section 4 shall not be affected
by Employee's incapacity due to physical or mental illness.

            5.    Any termination of Employee's employment with the Corporation
as contemplated by Section 3 hereof (except subsection 3(A) and 3(C)) or by
Employee as contemplated by Section 4 hereof shall be communicated by written
"Notice of Termination" to the other party hereto. Any "Notice of Termination"
given by Employee pursuant to Section 4 or given by the Corporation in
connection with a termination as to which the Corporation believes it is not
obligated to provide Employee with benefits set forth in Section 6 hereof shall
indicate the specific provisions of this Agreement relied upon and shall set
forth in reasonable detail the facts and circumstances claimed to provide a
basis for such termination.

            6.    Subject to the conditions and exceptions set forth in Section
3 and Section 4 hereof, the following benefits, less any amounts required to be
withheld therefrom under any applicable federal, state or local income tax,
other tax, or social security laws or similar statutes, shall be paid to
Employee upon any termination of his employment within six (6) months before or
within two (2) years after any Change in Control:

            (A)   Within thirty (30) days following such a termination or, if
      later, such a Change in Control, Employee shall be paid, at his
      then-effective salary, for services performed through the date of his
      termination. In addition, any earned but unpaid amount of any bonus or
      incentive payment (which, for purposes of this Agreement, shall mean that
      amount computed in a fashion consistent with the manner in which
      Employee's bonus or incentive plan for the year preceding the year of
      termination was computed, if Employee received a bonus or incentive
      payment during such preceding year in accordance with a plan or program of
      the Corporation, or, if not, then the total bonus or incentive payment
      received by the Employee during such preceding year, in either case
      prorated through the date of termination) shall be paid to Employee within
      thirty (30) days following the termination of his employment or, if later,
      such a Change in Control.

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            (B)   Within thirty (30) days following such a termination, Employee
      shall be paid a lump sum payment of an amount equal to two and nine-tenths
      (2.9) times Employee's "Base Amount." For purposes hereof, Base Amount is
      defined as Employee's average includable salary, bonus, incentive payments
      and similar compensation paid by the Corporation for the five (5) most
      recent taxable years ending before the date on which the Change in Control
      occurs (or such shorter period of time that the Employee has been employed
      by the Corporation). The definition, interpretation and calculation of the
      dollar amount of Base Amount shall be in a manner consistent with and as
      required by the provisions of Section 280G of the Internal Revenue Code of
      1986, as amended ("Code"), and the regulations and rulings of the Internal
      Revenue Service promulgated thereunder. The payments to the Employee under
      this Section 6(B) shall be reduced by the full amount that such payment,
      when added to all other payments or benefits of any kind to the Employee
      by reason of the Change in Control, constitutes an "excess parachute
      payment" within the meaning of Section 280G of the Code.

            (C)   Employee acknowledges and agrees that payment in accordance
      with subsections 6(A), 6(B) and 6(C) shall be deemed to constitute a full
      settlement and discharge of any and all obligations of the Corporation to
      Employee arising out of his employment with the Corporation and the
      termination thereof, except for any vested rights Employee may then have
      under any insurance, pension, supplemental pension, thrift, employee stock
      ownership, or stock option plans sponsored or made available by the
      Corporation.

            7.    The Corporation is aware that upon the occurrence of a Change
in Control the Board of Directors or a shareholder of the Corporation may then
cause or attempt to cause the Corporation to refuse to comply with its
obligations under this Agreement, or may cause or attempt to cause the
Corporation to institute, or may institute, litigation seeking to have this
Agreement declared unenforceable, or may take or attempt to take other action to
deny Employee the benefits intended under this Agreement. In these
circumstances, the purpose of this Agreement could be frustrated. It is the
intent of the Corporation that Employee not be required to incur the expenses
associated with the enforcement of his rights under this Agreement by litigation
or other legal action, nor be bound to negotiate any settlement of his rights
hereunder, because the cost and expense of such legal action or settlement would
substantially detract from the benefits intended to be extended to Employee
hereunder. Accordingly, if following a Change in Control it should appear to
Employee that the Corporation has failed to comply with any of its obligations
under this Agreement or in the event that the Corporation or any other person
takes any action to declare this Agreement void or unenforceable, or institutes
any litigation or other legal action designed to deny, diminish or to recover
from Employee the benefits entitled to be provided to the Employee hereunder,
and that Employee has complied with all of his obligations under this Agreement,
the Corporation irrevocably authorizes Employee from time to time to retain
counsel of his choice, at the expense of the Corporation as provided in this
Section 7, to represent Employee in connection with the initiation or defense of
any litigation or other legal action, whether such action is by or against

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the Corporation or any director, officer, shareholder, or other person
affiliated with the Corporation, in any jurisdiction. Notwithstanding any
existing or prior attorney-client relationship between the Corporation and such
counsel, the Corporation irrevocably consents to Employee entering into an
attorney-client relationship with such counsel, and in that connection the
Corporation and Employee agree that a confidential relationship shall exist
between Employee and such counsel. The reasonable fees and expenses of counsel
selected from time to time by Employee as hereinabove provided shall be paid or
reimbursed to Employee by the Corporation on a regular, periodic basis upon
presentation by Employee of a statement or statements prepared by such counsel
in accordance with its customary practices, up to a maximum aggregate amount of
One Hundred Thousand Dollars ($100,000). Any legal expenses incurred by the
Corporation by reason of any dispute between the parties as to enforceability of
or the terms contained in this Agreement as provided by this Section 7,
notwithstanding the outcome of any such dispute, shall be the sole
responsibility of the Corporation, and the Corporation shall not take any action
to seek reimbursement from Employee for such expenses. Notwithstanding any
limitation contained in this Section 7 to the contrary, Employee shall be
entitled to payment or reimbursement of legal expenses in excess of One Hundred
Thousand Dollars ($100,000) if the expenses were incurred as a result of a
dispute under this Agreement in which Employee obtains a final judgment in his
favor from a court of competent jurisdiction or his claim is settled by the
Corporation prior to the rendering of a judgment by such a court.

            8.    Employee is not required to mitigate the amount of benefit
payments to be made by the Corporation pursuant to this Agreement by seeking
other employment or otherwise, nor shall the amount of any benefit payments
provided for in this Agreement be reduced by any compensation earned by Employee
as a result of employment by another employer or which might have been earned by
Employee had Employee sought such employment, after the date of termination of
his employment with the Corporation or otherwise.

             9.   In order to induce the Corporation to enter into this
Agreement, Employee hereby agrees as follows:

            (A)   He agrees that his employment with the Corporation is
      terminable at will by the Corporation and that this Agreement does not
      alter that relationship in any way.

            (B)   He will keep confidential and not improperly divulge for the
      benefit of any other party any of the Corporation's confidential
      information and business secrets including, but not limited to,
      confidential information and business secrets relating to such matters as
      the Corporation's finances and operations. All of the Corporation's
      confidential information and business secrets shall be the sole and
      exclusive property of the Corporation.

            (C)   For a period of two years after Employee's employment with the
      Corporation ceases, Employee shall not either on his own account or for
      any other person, firm or company solicit or endeavor to cause any
      employee of the

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      Corporation to leave his employment or to induce or attempt to induce any
      such employee to breach any employment agreement with the Corporation.

In the event of a breach or threatened breach by Employee of the provisions of
this Section 9, the Corporation shall be entitled to an injunction restraining
Employee from committing or continuing such breach. Nothing herein contained
shall be construed as prohibiting the Corporation from pursuing any other
remedies available to it for such breach or threatened breach including the
recovery of damages from Employee. The covenants of this Section 9 shall run not
only in favor of the Corporation and its successors and assigns, but also in
favor of its subsidiaries and their respective successors and assigns and shall
survive the termination of this Agreement.

            10.   The Corporation shall require any successor (whether direct or
indirect, by purchase, merger, consolidation or otherwise) to all or
substantially all of the business and/or assets of the Corporation, by agreement
in form and substance satisfactory to Employee, to expressly assume and agree to
perform this Agreement in the same manner and to the same extent that the
Corporation would be required to perform it if no such succession had taken
place. Failure of the Corporation to obtain such agreement prior to the
effectiveness of any such succession shall be a breach of this Agreement and
shall entitle Employee to compensation from the Corporation in the same amount
and on the same terms as Employee would be entitled hereunder if he were to
terminate his employment pursuant to Section 4 hereof, except that for purposes
of implementing the foregoing, the date on which succession becomes effective
shall be deemed the date of termination of Employee's employment with the
Corporation. As used in this Agreement, "Corporation" shall mean the Corporation
as hereinbefore defined and any successor to the business or assets of it as
aforesaid which executes and delivers the agreement provided for in this Section
10 or which otherwise becomes bound by all of the terms and provisions of this
Agreement by operation of law.

            11.   Should Employee die while any amounts are payable to him
hereunder, this Agreement shall inure to the benefit of and be enforceable by
Employee's executors, administrators, heirs, distributees, devisees and legatees
and all amounts payable hereunder shall be paid in accordance with the terms of
this Agreement to Employee's devisee, legatee or other designee or if there be
no such designee, to his estate.

            12.   For purposes of this Agreement, notices and all other
communications provided for herein shall be in writing and shall be deemed to
have been given when delivered or mailed by United States registered or
certified mail, return receipt requested, postage prepaid, addressed as follows:

            If to Employee:

                  Martin M. Zorn
                  317 South Union Street
                  Alexandria, Virginia  22314

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            If to the Corporation:

                  Integra Bank Corporation
                  21 Southeast Third Street
                  P. O. Box 868
                  Evansville, Indiana 47705-0868
                  Attention:  Chief Executive Officer

or to such other address as any party may have furnished to the other party in
writing in accordance herewith, except that notices of change of address shall
be effective only upon receipt.

            13.   The validity, interpretation, and performance of this
Agreement shall be governed by the laws of the State of Indiana. The parties
agree that all legal disputes regarding this Agreement will be resolved in
Evansville, Indiana, and irrevocably consent to service of process in such City
for such purpose.

            14.   No provision of this Agreement may be modified, waived or
discharged unless such waiver, modification or discharge is agreed to in writing
signed by Employee and the Corporation. No waiver by any party hereto at any
time of any breach by any other party hereto of, or compliance with, any
condition or provision of this Agreement to be performed by such other party
shall be deemed a waiver of similar or dissimilar provisions or conditions at
the same or any prior or subsequent time. No agreements or representation, oral
or otherwise, express or implied, with respect to the subject matter hereof have
been made by any party which are not set forth expressly in this Agreement.

            15.   The invalidity or unenforceability of any provisions of this
Agreement shall not affect the validity or enforceability of any other provision
of this Agreement, which shall remain in full force and effect.

            16.   This Agreement may be executed in one or more counterparts,
each of which shall be deemed an original but all of which together will
constitute one and the same Agreement.

            17.   This Agreement is personal in nature and neither of the
parties hereto shall, without the consent of the other, assign or transfer this
Agreement or any rights or obligations hereunder, except as provided in Section
10 and Section 11 above. Without limiting the foregoing, Employee's right to
receive payments hereunder shall not be assignable or transferable, whether by
pledge, creation of a security interest or otherwise, other than a transfer by
his will or by the laws of descent and distribution as set forth in Section 11
hereof, and in the event of any attempted assignment or transfer contrary to
this Section 17, the Corporation shall have no liability to pay any amount so
attempted to be assigned or transferred.

            Any benefits payable under this Agreement shall be paid solely from
the general assets of the Corporation. Neither Employee nor Employee's
beneficiary shall have interest in

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any specific assets of the Corporation under the terms of this Agreement. This
Agreement shall not be considered to create an escrow account, trust fund or
other funding arrangement of any kind or a fiduciary relationship between
Employee and the Corporation.

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            IN WITNESS WHEREOF, the parties have caused this Agreement to be
executed and delivered as of the day and year first above set forth.

                                    INTEGRA BANK CORPORATION
                                    ("Corporation")

                                    By:   /s/ MICHAEL T. VEA
                                          --------------------------------------
                                          Michael T. Vea, Chairman of the Board,
                                          President and Chief Executive Officer

                                          /s/ MARTIN M. ZORN
                                          --------------------------------------
                                          Martin M. Zorn            ("Employee")

                                      -12-<PAGE>
                                                                   Exhibit 10(o)

                      SECOND AMENDMENT TO CREDIT AGREEMENT

      THIS SECOND AMENDMENT TO CREDIT AGREEMENT, dated as of November 13, 2001
(this "Amendment"), amends the Credit Agreement, dated as of June 30, 2000 (as
heretofore amended, the "Credit Agreement"), among Integra Bank Corporation (the
"Borrower"), the various financial institutions parties thereto (collectively,
the "Lenders") and Bank One, NA, as agent (the "Agent") for the Lenders. Terms
defined in the Credit Agreement are, unless otherwise defined herein or the
context otherwise requires, used herein as defined therein.

      WHEREAS, the parties hereto have entered into the Credit Agreement, which
provides for the Lenders to extend certain credit facilities to the Borrower
from time to time; and

      WHEREAS, the parties hereto desire to amend the Credit Agreement in
certain respects as hereinafter set forth;

      NOW, THEREFORE, in consideration of the premises and for other good and
valuable consideration (the receipt and sufficiency of which are hereby
acknowledged), the parties hereto agree as follows:

      SECTION 1 AMENDMENTS. Effective as of the date hereof, the Credit
Agreement shall be amended in accordance with Sections 1.1 through 1.4 below.

      1.1   Commitment. The definition of "Commitment" in Article I of the
Credit Agreement is hereby amended to state in its entirety as follows:

            "Commitment" means, for each Lender, the obligation of such Lender
      to make Loans not exceeding the amount set forth opposite its signature on
      the Second Amendment hereto or as set forth in any Notice of Assignment
      relating to any assignment that has become effective pursuant to Section
      12.3.2, as such amount may be modified from time to time pursuant to the
      terms hereof.

      1.2   Reduction of Aggregate Commitment. Section 2.5 of the Credit
Agreement is hereby amended by adding the following clause (d) at the end:

            "(d)  The Aggregate Commitment shall be reduced by $5,000,000 on
      December 31, 2001 and $5,000,000 on March 31, 2001. Reductions of the
      Aggregate Commitment made pursuant to clause (a) of this Section shall not
      reduce the required reductions under this clause (d). The Borrower shall,
      upon any such reduction, prepay the amount of any outstanding Loans in
      excess of the reduced Aggregate Commitments."

      1.3   Ratio of Loan Loss Reserves to Non-Performing Assets. Section 6.14
of the Credit Agreement is hereby amended to state in its entirety as follows:

            (c)   Its ratio of Loan Loss Reserves to Non-Performing Assets to be
      less than 0.55 to 1.0 at any time prior to March 31, 2002 and 1.0 to 1.0
      at any time on or after March 31, 2002.
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      1.4   Loan Reserve Analysis. Clause (xi) of Section 6.1 of the Credit
Agreement is hereby renumbered as "(xii)" and a new clause (xi) is added in
proper order stating in its entirety as follows:

            "(xi) promptly after review by the Board of Directors of the
            Borrower and in any event not later than four weeks after each
            fiscal quarter end, the loan reserve analysis for the Borrower and
            its Subsidiaries."

      SECTION 2 WAIVER. The Lenders hereby waive any Default or Unmatured
Default arising under Section 6.14(c) of the Credit Agreement prior to the date
hereof, so long as such Default or Unmatured Default shall not be continuing
after giving effect to this Amendment.

      SECTION 3 CONDITIONS PRECEDENT. This Amendment shall become effective when
each of the conditions precedent set forth in this Section 3 shall have been
satisfied, and notice thereof shall have been given by the Agent to the Borrower
and the Lenders.

      3.1   Receipt of Documents. The Agent shall have received all of the
following documents duly executed, dated the date hereof or such other date as
shall be acceptable to the Agent, and in form and substance satisfactory to the
Agent:

            (a)   Amendment. This Amendment, duly executed by the Borrower, the
      Agent and the Lenders.

            (b)   Secretary's Certificate. A certificate of the secretary or an
      assistant secretary of the Borrower, as to (i) resolutions of the Board of
      Directors of the Borrower then in full force and effect authorizing the
      execution, delivery and performance of this Amendment and each other
      document described herein, and (ii) the incumbency and signatures of those
      officers of the Borrower authorized to act with respect to this Amendment
      and each other document described herein.

      3.2   Compliance with Warranties, No Default, etc. Both before and after
giving effect to the effectiveness of this Amendment, the following statements
by the Borrower shall be true and correct (and the Borrower, by its execution of
this Amendment, hereby represents and warrants to the Agent and each Lender that
such statements are true and correct as at such times):

            (a)   the representations and warranties set forth in Article V of
      the Credit Agreement shall be true and correct with the same effect as if
      then made (unless stated to relate solely to an earlier date, in which
      case such representations and warranties shall be true and correct as of
      such earlier date); and

            (b)   after giving effect to this Amendment, no Default or Unmatured
      Default shall have then occurred and be continuing.

      SECTION 4 REPRESENTATIONS AND WARRANTIES. To induce the Lenders and the
Agent to enter into this Amendment, the Borrower hereby represents and warrants
to the Agent and each Lender as follows:

                                      -2-
<PAGE>
      4.1   Due Authorization, Non-Contravention, etc. The execution, delivery
and performance by the Borrower of this Amendment are within the Borrower's
corporate powers, have been duly authorized by all necessary corporate action,
and do not

            (a)   contravene the Borrower's articles or certificate of
      incorporation or by-laws;

            (b)   contravene any contractual restriction, law or governmental
      regulation or court decree or order binding on or affecting the Borrower;
      or

            (c)   result in, or require the creation or imposition of, any Lien
      on any of the Borrower's properties.

      4.2   Government Approval, Regulation, etc. No authorization or approval
or other action by, and no notice to or filing with, any governmental authority
or regulatory body or other Person is required for the due execution, delivery
or performance by the Borrower.

      4.3   Validity, etc. This Amendment constitutes the legal, valid and
binding obligation of the Borrower enforceable in accordance with its terms.

      SECTION 5 MISCELLANEOUS.

      5.1   Continuing Effectiveness, etc. This Amendment shall be deemed to be
an amendment to the Credit Agreement, and the Credit Agreement, as amended
hereby, shall remain in full force and effect and is hereby ratified, approved
and confirmed in each and every respect. After the effectiveness of this
Amendment in accordance with its terms, all references to the Credit Agreement
in the Loan Documents or in any other document, instrument, agreement or writing
shall be deemed to refer to the Credit Agreement as amended hereby.

      5.2   Payment of Costs and Expenses. The Borrower agrees to pay on demand
all expenses of the Agent (including the fees and out-of-pocket expenses of
counsel to the Agent) in connection with the negotiation, preparation, execution
and delivery of this Amendment.

      5.3   Severability. Any provision of this Amendment which is prohibited or
unenforceable in any jurisdiction shall, as to such provision and such
jurisdiction, be ineffective to the extent of such prohibition or
unenforceability without invalidating the remaining provisions of this Amendment
or affecting the validity or enforceability of such provision in any other
jurisdiction.

      5.4   Headings. The various headings of this Amendment are inserted for
convenience only and shall not affect the meaning or interpretation of this
Amendment or any provisions hereof.

      5.5   Execution in Counterparts. This Amendment may be executed by the
parties hereto in several counterparts, each of which shall be deemed to be an
original and all of which shall constitute together but one and the same
agreement.

                                      -3-
<PAGE>
      5.6   Governing Law. THIS AMENDMENT SHALL BE DEEMED TO BE A CONTRACT MADE
UNDER AND GOVERNED BY THE INTERNAL LAWS OF THE STATE OF ILLINOIS.

      5.7   Successors and Assigns. This Amendment shall be binding upon and
shall inure to the benefit of the parties hereto and their respective successors
and assigns.

                                      -4-
<PAGE>
      IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
executed by their respective officers thereunto duly authorized as of the day
and year first above written.

                                    INTEGRA BANK CORPORATION

                                    By /s/ JAMES E. ADAMS
                                      ------------------------------------
                                       Title: Executive Vice President
                                             -----------------------------

                                      S-1
<PAGE>
Commitment: $8,800,000              BANK ONE, NA,
                                       individually and as Agent

                                    By /s/ CORY M. HELFAND
                                      ------------------------------

                                       Title: Vice President
                                             -----------------------

                                      S-2
<PAGE>
Commitment: $8,800,000              US BANK NATIONAL ASSOCIATION
                                    (formerly known as Firstar Bank Milwaukee,
                                    N.A.)

                                    By /s/ JON B. BEGGS
                                       ---------------------------------
                                       Title: Vice President
                                             ---------------------------

                                      S-3
<PAGE>
Commitment: $4,400,000              THE NORTHERN TRUST COMPANY

                                    By /s/ ALISA A. WAXMAN
                                       ---------------------------------
                                       Title: Vice President
                                             ---------------------------

                                      S-4

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