Document:

ADDENDUM TO EMPLOYMENT AGREEMENT

         This Addendum (the  "Addendum") is made effective as of the 15th day of
December,  1999 and is intended  to amend a certain  Employment  Agreement  (the
"Agreement")  by and  between  Erie  Indemnity  Company  and Jan R.  Van  Gorder
effective as of December 16, 1997.

         WHEREAS,  the Company has determined that it is in the best interest of
the Company  and its  Shareholders  to secure the  continued  employment  of the
Executive in accordance with the terms of the Agreement; and

         WHEREAS,  the Board of Directors of the Company at its meeting of March
9,  1999  agreed  to extend  the term of the  Agreement  for a period of one (1)
additional  year which  extended the term of the Agreement to expire on December
15, 2000 instead of December 15, 1999; and

         WHEREAS,  the Board of  Directors  of the  Company  at its  meeting  of
December  14, 1999 has again  agreed to extend the term of the  Agreement  for a
period of one (1) additional year as contained herein; and

         WHEREAS, the Executive is agreeable to the extension of the Agreement.

         NOW, THEREFORE, intending to be legally bound hereby, the parties agree
         as follows:

         1. Paragraph 1 of the Agreement with  respect  to the  Term is hereby
amended by extending the Term to expire on December 15, 2001.

         2. All other terms and conditions of the Agreement remain in full force
and effect.

ATTEST:                                              ERIE INDEMNITY COMPANY

/s/ Mark T. Torok                         By: /s/ F.William Hirt
    Mark T. Torok                                 F. William Hirt
     Assistant Secretary                           Chairman of the Board

WITNESS:

/s/ Sheila M. Hirsch                          /s/ Jan R. Van Gorder
    Sheila M. Hirsch                              Jan R. Van Gorder
     Executive Secretary                          6796 Manchester Beach Rd.
                                                  Fairview, PA   16415

                                       70ADDENDUM TO EMPLOYMENT AGREEMENT

         This Addendum (the  "Addendum") is made effective as of the 15th day of
December,  1999 and is intended  to amend a certain  Employment  Agreement  (the
"Agreement")  by and  between  Erie  Indemnity  Company  and  Philip  A.  Garcia
effective as of December 16, 1997.

         WHEREAS,  the Company has determined that it is in the best interest of
the Company  and its  Shareholders  to secure the  continued  employment  of the
Executive in accordance with the terms of the Agreement; and

         WHEREAS,  the Board of Directors of the Company at its meeting of March
9,  1999  agreed  to extend  the term of the  Agreement  for a period of one (1)
additional  year which  extended the term of the Agreement to expire on December
15, 2000 instead of December 15, 1999; and

         WHEREAS,  the Board of  Directors  of the  Company  at its  meeting  of
December  14, 1999 has again  agreed to extend the term of the  Agreement  for a
period of one (1) additional year as contained herein; and

         WHEREAS, the Executive is agreeable to the extension of the Agreement.

         NOW, THEREFORE, intending to be legally bound hereby, the parties agree
         as follows:

         1. Paragraph 1 of the Agreement with respect  to the  Term is  hereby
amended by extending the Term to expire on December 15, 2001.

         2. All other terms and conditions of the Agreement remain in full force
and effect.

ATTEST:                                              ERIE INDEMNITY COMPANY

/s/ Mark T. Torok                         By:  /s/ F. William Hirt
    Mark T. Torok                                  F. William Hirt
     Assistant Secretary                            Chairman of the Board

WITNESS:

/s/ Cori Coccarelli                            /s/ Philip A. Garcia
    Cori Coccarelli                                Philip A. Garcia
                                                   786 Stockbridge Drive
                                                   Erie, PA   16505

                                       71ADDENDUM TO EMPLOYMENT AGREEMENT

         This Addendum (the  "Addendum") is made effective as of the 15th day of
December,  1999 and is intended  to amend a certain  Employment  Agreement  (the
"Agreement")  by and between Erie Indemnity  Company and John J.  Brinling,  Jr.
effective as of December 16, 1997.

         WHEREAS,  the Company has determined that it is in the best interest of
the Company  and its  Shareholders  to secure the  continued  employment  of the
Executive in accordance with the terms of the Agreement; and

         WHEREAS,  the Board of Directors of the Company at its meeting of March
9,  1999  agreed  to extend  the term of the  Agreement  for a period of one (1)
additional  year which  extended the term of the Agreement to expire on December
15, 2000 instead of December 15, 1999; and

         WHEREAS,  the Board of  Directors  of the  Company  at its  meeting  of
December  14, 1999 has again  agreed to extend the term of the  Agreement  for a
period of one (1) additional year as contained herein; and

         WHEREAS, the Executive is agreeable to the extension of the Agreement.

         NOW, THEREFORE, intending to be legally bound hereby, the parties agree
         as follows:

         1. Paragraph 1 of the Agreement with respect  to  the  Term is hereby
amended by extending the Term to expire on December 15, 2001.

         2. All other terms and conditions of the Agreement remain in full force
and effect.

ATTEST:                                              ERIE INDEMNITY COMPANY

/s/ Mark T. Torok                         By: /s/ F. William Hirt
    Mark T. Torok                                 F. William Hirt
     Assistant Secretary                           Chairman of the Board

WITNESS:

/s/ Sheila M. Hirsch                           /s/ John J. Brinling
    Sheila M. Hirsch                               John J. Brinling, Jr.
     Executive Secretary                           5691 Culpepper Drive
                                                   Erie, PA   16506

                                       72ADDENDUM TO EMPLOYMENT AGREEMENT

         This Addendum (the  "Addendum") is made effective as of the 15th day of
December,  1999 and is intended  to amend a certain  Employment  Agreement  (the
"Agreement")  by and  between  Erie  Indemnity  Company  and  Jeffrey A.  Ludrof
effective as of June 30, 1999.

         WHEREAS,  the Company has determined that it is in the best interest of
the Company  and its  Shareholders  to secure the  continued  employment  of the
Executive in accordance with the terms of the Agreement; and

         WHEREAS,  the Board of  Directors  of the  Company  at its  meeting  of
December  14, 1999 has again  agreed to extend the term of the  Agreement  for a
period of one (1) additional year as contained herein; and

         WHEREAS, the Executive is agreeable to the extension of the Agreement.

         NOW, THEREFORE, intending to be legally bound hereby, the parties agree
         as follows:

         1. Paragraph 1 of the Agreement with  respect  to the  Term is hereby
amended by extending the Term to expire on December 15, 2001.

         2. All other terms and conditions of the Agreement remain in full force
and effect.

ATTEST:                                              ERIE INDEMNITY COMPANY

/s/ Mark T. Torok                         By:  /s/ F. William Hirt
    Mark T. Torok                                  F. William Hirt
     Assistant Secretary                            Chairman of the Board

WITNESS:

/s/ Sheila M. Hirsch                           /s/ Jeffrey A. Ludrof
    Sheila M. Hirsch                               Jeffrey A. Ludrof
     Executive Secretary                           170 Gateway Drive
                                                   Fairview, PA   16415

                                       73ASSIGNMENT AND ASSUMPTION
               OF RIGHTS, DUTIES, AND OBLIGATIONS
                          OF GUARANTOR
                            UNDER THE
            AMENDED AND RESTATED GUARANTEE AGREEMENT

     Effective as of, and conditioned upon, the closing of the
merger of American Bancshares, Inc., a Florida corporation (the
"Assignor"), with and into Gold Banc Acquisition Corporation XI,
Inc., a Kansas corporation (the "Assignee"), pursuant to the
Agreement and Plan of Reorganization, dated as of September 6,
1999, as amended January 24, 2000, by and among the Assignor, the
Assignee, and Gold Banc Corporation, Inc., a Kansas corporation
and parent corporation of the Assignee, in consideration of the
receipt of good and valuable consideration, the Assignor hereby
assigns,  and the Assignee hereby assumes, all of the rights,
duties, and obligations of the Assignor as Guarantor under the
Amended and Restated Guarantee Agreement, dated August 6, 1998
(the "Guarantee Agreement"), by and among the Assignor, as
Guarantor, and Bankers Trust Company, a New York banking
corporation, as Guarantee Trustee.

     This assignment is made in accordance with Article VIII of
the Junior Subordinated Indenture, dated July 7, 1998, by and
among the Assignor and Bankers Trust Company, a New York banking
corporation, as trustee.

     All Capitalized terms used and not otherwise defined herein
shall have the respective meanings assigned to such terms in the
Guarantee Agreement.

     This Assignment and Assumption Agreement may be executed in
several counterparts, each of which shall be an original and all
of which shall constitute one and the same instrument.

                    [SIGNATURES ON NEXT PAGE]
<PAGE>
                                   ASSIGNOR

                                   AMERICAN BANCSHARES, INC.

March 20, 2000                     BY:  /s/ Jerry L. Neff
                                        Jerry L. Neff
                                        President

STATE OF FLORIDA
COUNTY OF HILLSBOROUGH

     Sworn to and subscribed before me this 20th day of March, 2000.
                               ___
 X  Personally known to me    /__/  Produced identification ______________

                                   /s/ Richard A. Denmon
                                   Notary Public's Signature
     (Seal)
                                   Richard A. Denmon
                                   Notary Public's Printed Name

                                   ASSIGNEE

                                   GOLD BANC ACQUISITION
                                       CORPORATION XI, INC.

March 20, 2000                    BY:  /s/ Malcolm M. Aslin
                                        Malcolm M. Aslin
                                        President

STATE OF KANSAS
COUNTY OF JOHNSON

     Sworn to and subscribed before me this 20th day of March, 2000.

                              ___
 X  Personally known to me   /__/  Produced identification ______________

                                   /s/ Therese A. Armstrong
                                   Notary Public's Signature
     (Seal)
                                   Therese A. Armstrong
                                   Notary Public's Printed Name
<PAGE>

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