Document:

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                                                                   Exhibit 10.60

                  AMENDMENT TO PROGRAM ADMINISTRATOR AGREEMENTS
                  ---------------------------------------------

     This AMENDMENT TO PROGRAM ADMINISTRATOR AGREEMENTS is made and entered into
as of March 6, 2002, by and between the Professional Programs Division of Brown
& Brown, Inc., a Florida corporation ("PA"), on the one hand, and SCPIE
Indemnity Company, a California corporation ("SCPIE Indemnity"), and American
Healthcare Indemnity Company, a Delaware corporation ("AHI"), on the other hand.
SCPIE Indemnity and AHI are hereinafter collectively referred to as "Insurers."

                                    RECITALS
                                    --------

     A. PA and AHI are parties to a Program Administrator Agreement dated as of
January 1, 1998, under which AHI acts as underwriter for the PA Physicians'
Protector Plan in a number of states, including principally the states of
Florida, Georgia and Connecticut (the "1998 Agreement"). PA and SCPIE Indemnity
and AHI are parties to a Program Administrator Agreement dated as of January 1,
2000, under which Insurers are underwriters of the PA Professional Protector
Plan for Dentists in the states of California and Texas (the "2000 Agreement").

     B. PA and Insurers desire to mutually terminate their relationship under
the 1998 Agreement and the 2000 Agreement on or before March 6, 2003, on the
terms and conditions hereinafter set forth.

                                    AGREEMENT
                                    ---------

     1. Termination. The 1998 Agreement and the 2000 Agreement are each
        -----------
terminated as if prior written notice were given by each party to the other
party on the date hereof pursuant to Section 9.2 of each Agreement. The mutually
agreed date of termination of each Agreement is March 6, 2003 (the "Termination
Date"). The restrictions on competitive activities of Insurers contained in the
second paragraph of Section 9.7 of each agreement shall apply and be binding on
Insurers.

     2. Waiver of Automatic Termination Provisions. PA and Insurers hereby agree
        ------------------------------------------
that the 2000 Agreement is not terminated pursuant to Section 9.4(iii) thereof
by reason of the downgrade of the A.M. Best rating of Insurers below "A-."

     3. Conduct of PA Prior to Termination Date. Prior to the Termination Date,
        ---------------------------------------
PA will attempt to identify and reach agreement with an insurer or insurers to
replace Insurers under the 1998 Agreement and the 2000 Agreement on or before
the Termination Date. PA will otherwise conduct its activities under the 1998
Agreement and the 2000 Agreement in accordance with the underwriting standards
of Insurers and the provisions of those Agreements.

     4. Termination Date Adjustment. Insurers hereby agree that at the request
        ---------------------------
of PA, Insurers will terminate either or both of the Agreements at a date or
dates prior to the

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Termination Date, and will otherwise cooperate with any Insurers or Insurers
that PA may select to replace Insurer or Insurers under either Agreement.

     5. Continued Effectiveness of Agreement. Except as amended by this
        ------------------------------------
Agreement, the 1998 Agreement and the 2000 Agreement shall remain unmodified and
in full force and effect.

     IN WITNESS WHEREOF, PA, SCPIE Indemnity and AHI have caused this Amendment
to Program Administration Agreements to be executed by their fully authorized
respective officers as of the 6/th/ day of March, 2002.

                                           BROWN & BROWN, INC. PROFESSIONAL
                                           PROGRAMS DIVISION

ATTEST:  /s/ Laurel L. Grammig             By:   /s/ Linda S. Downs
       -----------------------------          ----------------------------------
       Laurel L. Grammig                         Linda S. Downs
       Secretary                                 President

                                           AMERICAN HEALTHCARE INDEMNITY COMPANY

ATTEST:  /s/ Patrick T. Lo                 BY:  /s/ Joseph P. Henkes
       -----------------------------          ----------------------------------

TITLE:  Sr. V.P. & CFO                     TITLE:   Secretary
      ------------------------------             -------------------------------

                                           SCPIE INDEMNITY COMPANY

ATTEST:  /s/ Patrick T. Lo                 BY:  /s/ Joseph P. Henkes
       -----------------------------          ----------------------------------

TITLE:  Sr. V.P. & CFO                     TITLE:   Secretary
      ------------------------------             -------------------------------<PAGE>

                                                                  EXHIBIT 10.1.2

                             AMENDMENT NO. 2 TO THE
                                CREDIT AGREEMENT

                                                Dated as of November 14, 2001

         AMENDMENT NO. 2 TO THE CREDIT AGREEMENT among NTELOS Inc. (formerly
known as CFW Communications Company), a Virginia corporation (the "Borrower"),
                                                                   --------
the banks, financial institutions and other institutional lenders parties to the
Credit Agreement referred to below (collectively, the "Lenders"), Morgan Stanley
                                                       -------
Senior Funding, Inc., as Administrative Agent (the "Agent"), First Union
                                                    -----
National Bank, as Syndication Agent, Suntrust Bank, as Documentation Agent, Bank
of America, N.A. and Branch Banking and Trust Company, as Co-Managing Agents and
Morgan Stanley & Co. Incorporated, as Collateral Agent.

         PRELIMINARY STATEMENTS:

         (1)   The Borrower, the Lenders and the Agent have entered into a
Credit Agreement dated as of July 26, 2000 (as amended by Amendment No. 1 to the
Credit Agreement, dated as of July 23, 2001, and as otherwise amended,
supplemented or otherwise modified through the date hereof, the "Credit
                                                                 ------
Agreement"). Capitalized terms not otherwise defined in this Amendment have the
---------
same meanings as specified in the Credit Agreement.

         (2)   The Required Lenders are, on the terms and conditions stated
below, willing to grant the request of the Borrower and the Borrower and the
Required Lenders have agreed to amend the Credit Agreement as hereinafter set
forth.

               SECTION 1. Amendments to Credit Agreement. The Credit Agreement
                          ------------------------------
is, effective as of the date hereof and subject to the satisfaction of the
conditions precedent set forth in Section 2, hereby amended as follows:

               (a)    The definition of "Senior Leverage Ratio" in Section 1.01
         is amended in its entirety to read as follows:

                      "Senior Leverage Ratio" means, at any time, the ratio of
         (x) Consolidated Debt for Borrowed Money of the Financial Covenants
         Parties (without duplication) (other than Subordinated Debt and any
         other Debt for Borrowed Money that is not secured by Liens on any asset
         or property of the Financial Covenants Parties) plus (y) (without
                                                         ----
         duplication) all Debt of the Conestoga Subsidiaries, in each case, as
         of the end of the most recently completed fiscal quarter of the
         Borrower for which financial statements are required to be delivered to
         the Lender Parties pursuant to Section 5.03(b) or (c), as the case may
         be, to Consolidated EBITDA of the Financial Covenants Parties (without
         duplication) for the four fiscal quarter period ending at the end of
         such fiscal quarter.

               (b)    Section 5.04(a)(i) is amended in its entirety to read as
         follows:

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                                       2

                      (i)    Senior Secured Debt to Total Capital. The Borrower
                             ------------------------------------
               will not permit the ratio of Consolidated Debt for Borrowed Money
               of the Borrower and its Subsidiaries (other than Subordinated
               Debt and any other Debt for Borrowed Money that is not secured by
               Liens on any asset or property of the Borrower and its
               Subsidiaries) to Total Capital in each case on any day on which a
               Borrowing occurs and the last day of each fiscal quarter of the
               Borrower to exceed 35%.

               SECTION 2. Conditions of Effectiveness. This Amendment shall
                          ---------------------------
become effective as of July 26, 2000 when, and only when, the Agent shall have
received counterparts of this Amendment executed by the Borrower and the
Required Lenders or, as to any of the Lenders, advice satisfactory to the Agent
that such Lender has executed this Amendment and the consent attached hereto
executed by each other Loan Party.

               SECTION 3. Representations and Warranties of the Borrower. The
                          ----------------------------------------------
Borrower represents and warrants as follows:

               (a)     the representations and warranties contained in each Loan
         Document are correct on and as of the date hereof, before and after
         giving effect to this Amendment, as though made on and as of the date
         hereof, other than any such representations or warranties that by their
         terms, refer to a specific date, in which case, as of such specific
         date; and

               (b)    no Default has occurred and is continuing under the Credit
         Agreement, as amended hereby, or would result from this Amendment.

               SECTION 4. Reference to and Effect on the Loan Documents. (a) On
                          ---------------------------------------------
and after the effectiveness of this Amendment, each reference in the Credit
Agreement to "this Agreement", "hereunder", "hereof" or words of like import
referring to the Credit Agreement, and each reference in the Notes and each of
the other Loan Documents to "the Credit Agreement", "thereunder", "thereof" or
words of like import referring to the Credit Agreement, shall mean and be a
reference to the Credit Agreement, as amended by this Amendment.

               (b) The Credit Agreement, the Notes and each of the other Loan
Documents, as specifically amended by this Amendment, are and shall continue to
be in full force and effect and are hereby in all respects ratified and
confirmed. Without limiting the generality of the foregoing, the Collateral
Documents and all of the Collateral described therein do and shall continue to
secure the payment of all Obligations of the Loan Parties under the Loan
Documents, in each case as amended by this Amendment.

               (c) The execution, delivery and effectiveness of this Amendment
shall not, except as expressly provided herein, operate as a waiver of any
right, power or remedy of any Lender or the Agent under any of the Loan
Documents, nor constitute a waiver of any provision of any of the Loan
Documents.

               SECTION 5. Execution in Counterparts. This Amendment may be
                          -------------------------
executed in any number of counterparts and by different parties hereto in
separate counterparts, each of which when so executed shall be deemed to be an
original and all of which taken together shall

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                                       3

constitute but one and the same agreement. Delivery of an executed counterpart
of a signature page to this Amendment by telecopier shall be effective as
delivery of a manually executed counterpart of this Amendment.

               SECTION 6. Governing Law. This Amendment shall be governed by,
                          -------------
and construed in accordance with, the laws of the State of New York.

               IN WITNESS WHEREOF, the parties hereto have caused this Amendment
to be executed by their respective officers thereunto duly authorized, as of the
date first above written.

                                       NTELOS INC.

                                       By_______________________________________
                                         Title:

                                       MORGAN STANLEY SENIOR FUNDING, INC.,
                                       as Administrative Agent and as Lender

                                       By_______________________________________
                                         Title:

                                        [LENDERS]

                                       By_______________________________________
                                         Title:

                                       [Etc.]

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