Document:

<PAGE>

                                                                    EXHIBIT 10.1

                     FOURTH AMENDMENT TO CREDIT AGREEMENT

     This FOURTH AMENDMENT TO CREDIT AGREEMENT (this "Amendment") is entered
into as of September 28, 2000 among DAVEL FINANCING COMPANY, L.L.C., a Delaware
limited liability company (the "Borrower"); DAVEL COMMUNICATIONS, INC., a
Delaware corporation (the "Parent"); the Parent and the Domestic Subsidiaries of
the Borrower, as Guarantors; the Lenders party to the "Credit Agreement"
(referred to and defined below); and BANK OF AMERICA, N.A. (formerly known as
NationsBank, N.A.), as Administrative Agent for the Lenders (the "Administrative
Agent"). Capitalized terms used herein and not otherwise defined shall have the
meanings set forth in the Credit Agreement.

                                   RECITALS
                                   --------

     WHEREAS, the Borrower, the Guarantors, the Lenders, the Administrative
Agent, BancBoston Robertson Stephens, Inc., as Syndication Agent and The Chase
Manhattan Bank, as Documentation Agent, entered into that certain Credit
Agreement, dated as of December 23, 1998 (as amended and modified by that
certain First Amendment to Credit Agreement and Consent and Waiver dated as of
April 8, 1999 among the Borrower, the Parent, the Domestic Subsidiaries of the
Borrower, the Lenders and the Administrative Agent, that certain Second
Amendment to Credit Agreement dated as of March 9, 2000 among such parties, that
certain Third Amendment to Credit Agreement dated as of June 22, 2000 among such
parties, and as may be further amended or modified from time to time, the
"Credit Agreement");

     WHEREAS, the Borrower has informed the Lenders that it anticipates being
unable to make certain principal and interest payments due under the Credit
Agreement on and after September 29, 2000, and unable to comply with certain of
the financial covenants set forth in the Credit Agreement with respect to the
period ending as of September 30, 2000;

     WHEREAS, the Borrower has requested that the Lenders amend certain terms
and provisions of the Credit Agreement to effect a deferral of such principal
and interest payments to January 12, 2001 and to eliminate each of the financial
covenants with respect to periods ending on and after September 30, 2000;

     WHEREAS, the Lenders have agreed to such requests, subject to the terms and
conditions set forth below.

     NOW THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto agree as
follows:
<PAGE>

                                   AGREEMENT
                                   ---------

1.   Amendments.  Effective as of the date hereof, upon satisfaction of each of
     ----------
the conditions set forth in Paragraph 2 hereof, the Credit Agreement is hereby
                            -----------
amended as follows (section references used below refer to sections of the
Credit Agreement):

          (a)  Definitions.  Section 1.1 is amended to delete in their entirety
               -----------   -----------
     the following definitions and to replace such definitions with the
     following definitions:

               "Applicable Percentages" means:
                ----------------------

               (a)  on and prior to September 29, 2000, and with respect to all
          Eurodollar Loans having Interest Periods ending after such date in
          which case the following rates will apply to each such Loan until its
          Interest Period expires, (i) 3.50% for Revolving Loans which are
          Eurodollar Loans, Tranche A Term Loans which are Eurodollar Loans, and
          Letter of Credit Fees, (ii) 4.25% for Tranche B Term Loans which are
          Eurodollar Loans, (iii) 2.00% for Revolving Loans which are Base Rate
          Loans and Tranche A Term Loans which are Base Rate Loans, (iv) 2.75%
          for Tranche B Term Loans which are Base Rate Loans and (v) 0.75% for
          Commitment Fees; and

               (b)  after September 29, 2000, except with respect to Eurodollar
          Loans having Interest Periods ending after such date in which case the
          following rate will apply to each such Loan following the expiration
          of its Interest Period, (i) 2.75% for all Loans, (ii) 3.50% for all
          Letter of Credit Fees and (iii) 0.75% for all Commitment Fees.

               "Principal Amortization Payment" means a principal payment on the
                ------------------------------
          Loans (and delivery of cash collateral with respect to LOC
          Obligations) as set forth in Sections 2.1(f), 2.3(c) and 2.4(c).
                                       ---------------  ------     ------

               "Revolving Loan Maturity Date" means the earlier of January 11,
                ----------------------------
          2002 and the occurrence of an Event of Default under Section 9.1(h).

               "Tranche B Term Loan Maturity Date" means the earlier of January
                ---------------------------------
          11, 2002 and the occurrence of an Event of Default under Section
          9.1(h).

          (b)  Interest Payment Dates. Section 1.1 is further amended to delete
               ----------------------  -----------
the word "quarter" set forth in clause (a) of the definition of "Interest
                                ----------                       --------
Payment Date" and to replace such word with the word "month."
------------

          (c)  Revolving Loan Commitment. Section 2.1(a) is amended to delete
               -------------------------  --------------
the reference in the first sentence thereof to "Revolving Loan Maturity Date"
and to replace such reference with a reference to the date "September 29, 2000."

          (d)  Amortization of Revolving Loans. Section 2.1 is further amended
               -------------------------------  -----------
to add the following new clause (f) to such section immediately following
                         ---------
existing clause (e) thereof:
         ----------

                                       2
<PAGE>

          (f)  Amortization of Revolving Loans. The outstanding principal amount
               -------------------------------
     of the Revolving Loans shall be repaid, and the Borrower shall deliver cash
     collateral to the Agent for outstanding LOC Obligations, on the dates set
     forth below such that the amount of payments with respect to such Revolving
     Loans and LOC Obligations, when aggregated with the amount of scheduled
     principal payments with respect to the Tranche A Term Loans and Tranche B
     Terms Loans pursuant to Sections 2.3(c) and 2.4(c), respectively, total the
     corresponding aggregate amounts set forth below opposite such dates:

          Principal Amortization                      Principal Amortization
               Payment Dates                              Payment Amount
               -------------                              --------------

          January 12, 2001                                 $15,712,500
          March 31, 2001                                   $ 7,737,500
          June 30, 2001                                    $ 7,737,500
          September 30, 2001                               $ 7,737,500
          December 31, 2001                                $ 7,737,500
          Revolving Loan Maturity Date/                    The then outstanding
               Tranche B Term Loan Maturity Date           principal amount of
                                                           all Loans and LOC
                                                           Obligations

          Each such payment made pursuant to the foregoing schedule shall be
          allocated among the Loans and LOC Obligations in accordance with
          Section 3.3(c).

          (e)  Letters of Credit. Section 2.2(a) is amended to delete the
               -----------------  --------------
reference in the first parenthetical in the first sentence thereof to "Revolving
Loan Maturity Date" and to replace such reference with a reference to the date
"September 29, 2000."

          (f)  Term Loan A Amortization. Section 2.3(c) is deleted in its
               ------------------------  -------------
entirety and replaced with the following provision:

               (c)  Amortization. The outstanding principal amount of the
                    ------------
          Tranche A Term Loans shall be repaid on the dates set forth in Section
          2.1(f) such that the amount of payments with respect to the Tranche A
          Term Loans, when aggregated with the amount of scheduled principal
          payments with respect to the Revolving Loans, LOC Obligations and
          Tranche B Terms Loans pursuant to Sections 2.1(f) and 2.4(c),
          respectively, total the corresponding aggregate amounts set forth in
          the schedule of Section 2.1(f) opposite such dates. Each such payment
          made shall be allocated among the Loans and LOC Obligations in
          accordance with Section 3.3(c).

          (g)  Term Loan B Amortization. Section 2.4(c) is deleted in its
               ------------------------  --------------
     entirety and replaced with the following provision:

                                       3
<PAGE>

               (c)  Amortization. The outstanding principal amount of the
                    ------------
     Tranche B Term Loans shall be repaid on the dates set forth in Section
     2.1(f) such that the amount of payments with respect to the Tranche B Term
     Loans, when aggregated with the amount of scheduled principal payments with
     respect to the Revolving Loans, LOC Obligations and Tranche A Terms Loans
     pursuant to Sections 2.1(f) and 2.3(c), respectively, total the
     corresponding aggregate amounts set forth in the schedule of Section 2.1(f)
     opposite such dates. Each such payment made shall be allocated among the
     Loans and LOC Obligations in accordance with Section 3.3(c).

     (h)  Continuations and Conversions.   Section 2.5 is amended to delete the
          -----------------------------    -----------
word "and" at the end of clause (iii) of the first sentence of such section, to
                         ------------
replace such word with a comma, and to add the following new clause (v) to the
                                                             ----------
end of such sentence:

     and (v) no Loans may be converted into or contained as Eurodollar Loans
     after September 29, 2000 and all outstanding Eurodollar Loans as of such
     date shall be automatically converted into Base Rate Loans upon the
     expiration of their applicable Interest Periods.

     (i) Interest Payments.  The first sentence of Section 3.1(c) is deleted in
         -----------------                         --------------
its entirety and replaced with the following sentence:

     Interest on Loans shall be due and payable in arrears on each Interest
     Payment Date; provided, however, that (i) all interest which would
                   --------  -------  ----
     otherwise be due and payable on the Interest Payment Date occurring on June
     30, 2000 shall continue to accrue on the applicable Loans from and after
     such date and shall become due and payable in arrears on July 10, 2000,
     (ii) all interest otherwise due and payable on each Interest Payment Date
     occurring after June 30, 2000 and before the January 12, 2001 shall
     continue to accrue on the applicable Loans from and after such Interest
     Payment Date and shall become due and payable in arrears on January 12,
     2001 subject to the other provisions of this Agreement regarding payments
     stated as to be made on days which are not Business Days and (iii)
     notwithstanding the provisions of the immediately foregoing clauses (i) and
     (ii) of this subsection, in no event is any interest being forgiven with
     respect to any period of accrual hereunder.

     (j) Voluntary Prepayments.  Section 3.3(a) is amended to delete in their
         ---------------------   --------------
entirety clause (iii) of the first sentence of such section and the proviso
         ------------
which follows such clause, and to replace such provisions with the following
provision:

     (iii) all such prepayments shall be applied in the manner provided in
Section 3.3(c).

     (k)  Positive Net Cash Prepayments.  Section 3.3(b) is amended to add the
          -----------------------------   --------------
following new provision to such section immediately following existing clause
                                                                       ------
(v) thereof:
---

          (vi) Monthly Positive Net Cash. Within two (2) Business Days following
               -------------------------
     the end of each calendar month, beginning with the month of October, 2000,
     the

                                       4
<PAGE>

     Borrower shall make a prepayment of the Loans, accrued and unpaid interest
     and other outstanding obligations hereunder in an amount equal to the
     excess, if any, of (a) an amount equal to the aggregate amount of
     consolidated cash on hand of the Borrower and its Subsidiaries as of the
     last day of such calendar month, as determined in accordance with the
     Borrower's and its Subsidiaries' books and records maintained in accordance
     with GAAP, minus (without duplication to the extent deducted in determining
     cash on hand) the aggregate amount of checks drawn by the Borrower and its
     Subsidiaries as of the last day of such calendar month, but not yet then
     debited to the Borrower's and its Subsidiaries' deposit accounts, for the
     payment of the Borrower's and its Subsidiaries' liabilities and expenses
     (to the extent payment thereof is not prohibited by this Agreement or any
     other Credit Document) over (b) $2,000,000.

     (l)  Application of Prepayments.  Section 3.3(c) is deleted in its entirety
          --------------------------   --------------
and replaced with the following provision:

     All amounts required to be paid pursuant to Section 3.3(b)(i) shall be
     applied first to Revolving Loans and second to a cash collateral account in
             -----                        ------
     respect of LOC Obligations. All other amounts required to be paid pursuant
     to the provisions of Section 3.3(b), all Principal Amortization Payments
     made pursuant to Section 2.1(f), 2.3(c) and 2.4(c), and all amounts
     voluntarily prepaid pursuant to Section 3.3(a), shall be applied first, to
                                                                      -----
     any and all unpaid fee, expense, reimbursement and indemnity claims owing
     to the Administrative Agent by the Borrower pursuant to the Credit
     Documents, second, pro rata, to any and all fee, expense, reimbursement and
                ------
     indemnity claims owing to the Lenders pursuant to the Credit Documents,
     third, ratably to the outstanding principal balance of all Loans and as
     -----
     cash collateral with respect to outstanding LOC Obligations and, in the
     case of amounts applied to Tranche A Term Loans and Tranche B Term Loans
     pursuant to this clause, in the inverse order of their respective
     maturities, fourth, ratably with respect to all outstanding Loans and LOC
                 ------
     Obligations, to accrued and unpaid interest and accrued and unpaid Letter
     of Credit Fees, in each case to the extent accruing from and after
     September 29, 2000, and, fifth, ratably with respect to all outstanding
                              -----
     Loans and LOC Obligations, to accrued and unpaid interest and accrued and
     unpaid Letter of Credit Fees, in each case to the extent accruing prior to
     September 29, 2000.

     (m)  No Additional Extensions of Credit.  Section 5.2 is deleted in its
          ----------------------------------   -----------
entirety and replaced with the following provision:

     The Lenders shall not be obligated to make Loans, nor shall any Issuing
     Lender be required to issue, extend or amend any Letters of Credit, in any
     case at any time after the effectiveness of that certain Fourth Amendment
     to this Agreement dated as of September 28, 2000 among the parties hereto,
     except as may otherwise be permitted or required by the terms and
     conditions of such Fourth Amendment.

                                       5
<PAGE>

     (n)  Bi-Weekly Cash Flow Forecasts.  Section 7.1 is amended to add the
          -----------------------------   -----------
following new clause (m) immediately following existing clause (l) thereto:
              ----------                                ----------

          (m)  Bi-Weekly Cash Flow Forecasts. On the second Business Day of
               -----------------------------
     every other week, commencing with the week beginning October 9, 2000, a
     week-by-week forecast of the projected cash flows of the Credit Parties and
     their Subsidiaries on a consolidated basis for the ninety (90) day period
     commencing as of the first Business Day of such week, together with, in
     each case beginning with the forecast to be delivered on October 23, 2000,
     a statement of the historical cash flows of the Credit Parties and their
     Subsidiaries and a reconciliation to the then most recently delivered
     forecast pursuant to this clause for the period commencing on the first
     Business Day of such recently delivered forecast and ending on the last
     Business Day of the then most recently ended week, each such forecast,
     historical cash flow statement and reconciliation report to be in a form
     reasonably acceptable to the Administrative Agent.

     (o)  Revised Business Plan.  Section 7.1 is further amended to add the
          ---------------------   -----------
following new clause (n) immediately following new clause (m) referred to
              ----------                           ----------
immediately above:

          (n)  Revised Business Plan. As soon as available, and in any event
               ---------------------
     prior to November 15, 2000, a revised business plan for the Borrower's 2001
     fiscal year, in a form reasonably acceptable to the Administrative Agent.

     (p)  Financial Covenants. Section 7.2 is deleted in its entirety and
          -------------------  -----------
replaced with the following:

     [intentionally omitted].

     (q)  Concentration Accounts.   Section 7 is further amended to add the
          ----------------------    ---------
following new section immediately following existing Section 7.15:
                                                     ------------

          7.16 Concentration Accounts. On or before October 31, 2000, the
               ----------------------
     Borrower and its Subsidiaries shall establish in a manner reasonably
     acceptable to the Administrative Agent one or more depository accounts at
     Bank of America, N.A. to which the Borrower and each of its Subsidiaries
     will transfer, on a daily basis, all cash balances available for withdrawal
     from each of the Borrower's and its Subsidiaries' other depository
     accounts.

     (r)  Capital Expenditures. Section 8.14 is amended to add the following new
          --------------------- ------------
clause (c) immediately following existing clause (b) thereof and to change the
----------                                ----------
designating letter of existing clause (c) to "(d)":
                               ----------

     , (c) for the period commencing October 1, 2000 and ending January 12, 2001
     to exceed, in the aggregate, $400,000.

                                       6
<PAGE>

2.   Conditions Precedent.  The effectiveness of this Amendment is subject to
     --------------------
receipt by the Administrative Agent of each of the following:

          (a)  counterparts to this Amendment duly executed by each of the
     Credit Parties and each of the Lenders;

          (b)  certified copies of resolutions or similar authorizations of each
     Credit Party approving and adopting this Amendment, the transactions
     contemplated herein and authorizing such Credit Party's execution and
     delivery hereof; and

          (c)  an opinion or opinions from counsel to the Credit Parties with
     respect to this Amendment, in form and substance satisfactory to the
     Administrative Agent, addressed to the Administrative Agent on behalf of
     the Lenders and dated as of the date hereof.

3.   Revolving Commitment Termination.  Notwithstanding anything in the Credit
     --------------------------------
Agreement or the other Credit Documents to the contrary, including without
limitation, any contrary provisions in Sections 2.1 or 2.2 of the Credit
                                       ------------    ---
Agreement, upon the effectiveness of this Amendment pursuant to the preceding
Paragraph 2: (i) the Revolving Loan Commitment is thereupon irrevocably
-----------
terminated, (ii) no Lender shall have any further obligation to make or fund its
share of any Loans after the effective date of this Amendment, and (iii) no
Issuing Lender or Lender shall have any further obligation to issue, extend,
amend or participate in any Letter of Credit issued, extended or amended after
the effective date of this Amendment; provided, however, that, nothing in this
                                      --------  -------  ----
section shall forgive or release any Lender from its reimbursement or funding
obligation to the Administrative Agent or any Issuing Lender with respect to any
Loan or Letter of Credit properly made, issued, extended, or amended, or
properly requested to be so made issued, extended, amended, prior to the
effectiveness of this Amendment otherwise pursuant to the terms and conditions
set forth in the Credit Agreement.

4.   Compliance Certificate.  Notwithstanding the amendment to Section 7.2 of
     ----------------------                                    -----------
the Credit Agreement set forth above in Paragraph 1(p) of this Amendment, the
                                        --------------
Borrower agrees to prepare and deliver its compliance certificate pursuant to
Section 7.1(c) of the Credit Agreement with respect to its financial performance
--------------
for the fiscal periods ending September 30, 2000 and December 31, 2000 as if
such amendment to Section 7.2 had not occurred, including, without limitation,
                  -----------
providing its calculation of each of the financial covenants which otherwise
would be applicable for such period ended (prior to giving effect to the Third
Amendment and the Fourth Amendment to the Credit Agreement), it being understood
and agreed, however, that the Borrower's failure to comply with such
hypothetical financial covenants shall not constitute a violation of the Credit
Agreement or otherwise constitute an Event of Default or Default.

5.   Ratification of Credit Agreement.  The term "Credit Agreement" as used in
     --------------------------------
each of the Credit Documents shall hereafter mean the Credit Agreement as
amended and modified by this Amendment.  Except as herein specifically agreed,
the Credit Agreement, as amended by this Amendment, is hereby ratified and
confirmed and shall remain in full force and effect according to its terms,
including, without limitation, the liens granted pursuant to the Collateral
Documents. Nothing contained in this Amendment shall constitute a waiver of any
Default or Event of Default which may have occurred, whether or not known to the
Administrative Agent or any Lender, or any right or remedy of the

                                       7
<PAGE>

Administrative Agent or any Lender with respect to any such Default or Event of
Default, all of which rights and remedies are hereby reserved by the
Administrative Agent and the Lenders.

6.   Authority/Enforceability.  Each of the Credit Parties, the Administrative
     ------------------------
Agent and the Lenders represents and warrants as follows:

          (a)  It has taken all necessary action to authorize the execution,
     delivery and performance of this Amendment.

          (b)  This Amendment has been duly executed and delivered by such
     Person and constitutes such Person's legal, valid and binding obligations,
     enforceable in accordance with its terms, except as such enforceability may
     be subject to (i) bankruptcy, insolvency, reorganization, fraudulent
     conveyance or transfer, moratorium or similar laws affecting creditors'
     rights generally and (ii) general principles of equity (regardless of
     whether such enforceability is considered in a proceeding at law or in
     equity).

          (c)  No consent, approval, authorization or order of, or filing,
     registration or qualification with, any court or governmental authority or
     third party is required in connection with the execution, delivery or
     performance by such Person of this Amendment (other than that which may
     have been previously obtained).

7.   No Default. The Credit Parties represent and warrant to the Lenders that
     ----------
(a) the representations and warranties of the Credit Parties set forth in
Section 6 of the Credit Agreement are true and correct in all material respects
---------
as of the date hereof and (b) no event has occurred and is continuing which
constitutes a Default or an Event of Default.

8.   Release. Each Credit Party hereby unconditionally and irrevocably remises,
     -------
acquits, and fully and forever releases and discharges each Lender, the
Administrative Agent and the Issuing Lender, and all affiliates, subsidiaries,
officers, employees, agents, attorneys, principals, directors and shareholders
of such Persons, and their respective heirs, legal representatives, successors
and assigns (collectively, the "Releasees") from any and all claims, demands,
causes of action, obligations, remedies, suits, damages and liabilities of any
nature whatsoever, whether now known, suspected or claimed, whether arising
under common law, in equity or under statute, which such Credit Party ever had
or now has against any of the Releasees and which may have arisen at any time on
or prior to the effective date hereof and which were in any manner related to
this Amendment or any Credit Document or the enforcement or attempted or
threatened enforcement by any of the Releasees of any of their respective
rights, remedies or recourse related thereto, excluding, however, any credit for
overpayment of interest or fees under the Credit Documents of which the Credit
Parties have no knowledge as of the date hereof (such included claims being
hereinafter referred to collectively as the "Released Claims").  Each Credit
Party covenants and agrees never to commence, voluntarily aid in any way,
prosecute or cause to be commenced or prosecuted against any of the Releasees
any action or other proceeding based upon any of the Released Claims.

9.   Counterparts/Telecopy. This Amendment may be executed in any number of
     ---------------------
counterparts, each of which when so executed and delivered shall be an original,
but all of which shall constitute

                                       8
<PAGE>

one and the same instrument. Delivery of executed counterparts of this Amendment
by telecopy shall be effective as an original and shall constitute a
representation that an original shall be delivered.

10.  GOVERNING LAW.  THIS AMENDMENT AND THE RIGHTS AND OBLIGATIONS OF THE
     -------------
PARTIES HEREUNDER SHALL BE GOVERNED BY AND CONSTRUED AND INTERPRETED IN
ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK.

                                    * * * *

                                       9
<PAGE>

     IN WITNESS WHEREOF, each of the parties hereto has caused a counterpart of
this Amendment to be duly executed and delivered and this Amendment shall be
effective as of the date first above written.

BORROWER:                DAVEL FINANCING COMPANY, L.L.C.,
--------
                         a Delaware limited liability company

                         By: DAVEL COMMUNICATIONS, INC.,
                             its sole managing member

                         By: /s/ Raymond A. Gross
                             -------------------------------
                             Name:  Raymond A. Gross
                                    ------------------------
                             Title: C.E.O.
                                    ------------------------

PARENT GUARANTOR:        DAVEL COMMUNICATIONS, INC.,
----------------
                         a Delaware corporation

                         By: /s/ Raymond A. Gross
                             -------------------------------
                             Name:  Raymond A. Gross
                                    ------------------------
                             Title: C.E.O.
                                    ------------------------

SUBSIDIARY GUARANTORS:   DAVEL COMMUNICATIONS GROUP, INC.,
---------------------
                         an Illinois corporation

                         PEOPLES TELEPHONE COMPANY, INC.,
                         a New York corporation

                         PEOPLES TELEPHONE COMPANY, INC.,
                         a New Hampshire corporation

                         PEOPLES COLLECTORS, INC.,
                         a Delaware corporation

                         PTC CELLULAR, INC.,
                         a Delaware corporation

                         PTC SECURITY SYSTEMS, INC.,
                         a Florida corporation

                         SILVERADO COMMUNICATIONS CORP.,
                         a Colorado corporation

                               Signature Page to
                     Fourth Amendment to Credit Agreement
<PAGE>

                              PEOPLES ACQUISITION CORP.,
                              a Pennsylvania corporation

                              TELALEASING ENTERPRISES, INC.,
                              an Illinois corporation

                              ADTEC COMMUNICATIONS, INC.,
                              a Florida corporation

                              INTERSTATE COMMUNICATIONS, INC.,
                              a Georgia corporation

                              T.R.C.A., INC.,
                              an Illinois corporation

                              DAVELTEL, INC.,
                              an Illinois corporation

                              DAVEL MEXICO, LTD.,
                              an Illinois corporation

                              COMMUNICATIONS CENTRAL INC.,
                              a Georgia corporation

                              CENTRAL PAYPHONE SERVICES, INC.,
                              a Georgia corporation

                              COMMUNICATIONS CENTRAL
                              OF GEORGIA, INC.,
                              a Georgia corporation

                              INVISION TELECOM, INC.,
                              a Georgia corporation

                              By:  /s/ Bruce W. Renard
                                   -------------------------------
                                   Name:  Bruce W. Renard
                                          ------------------------
                                   Title: Secretary
                                          ------------------------

                               Signature Page to
                     Fourth Amendment to Credit Agreement

<PAGE>

ADMINISTRATIVE AGENT:         BANK OF AMERICA, N.A. (formerly,
--------------------              NationsBank, N.A.),

                              in its capacities as the Administrative Agent and
                              Collateral Agent

                              By: /s/ Charles D. Graber
                                  ------------------------------------
                                  Name:  Charles D. Graber
                                         -----------------------------
                                  Title: Vice President
                                         -----------------------------

                               Signature Page to
                     Fourth Amendment to Credit Agreement

<PAGE>

LENDERS:                      BANK OF AMERICA, N.A. (formerly,
-------                       NationsBank, N.A.),
                              individually in its capacity as a Lender, and in
                              its capacity as the Issuing Lender

                              By:  /s/ Thomas Biaggi
                                   ---------------------------------
                                   Name:  Thomas Biaggi
                                          --------------------------
                                   Title: Managing Director
                                          --------------------------

                               Signature Page to
                     Fourth Amendment to Credit Agreement

<PAGE>

                              THE CHASE MANHATTAN BANK

                              By:  /s/ Agnes L. Levy
                                   ------------------------------------
                                   Name:  Agnes L. Levy
                                          -----------------------------
                                   Title: Vice President
                                          -----------------------------

                               Signature Page to
                     Fourth Amendment to Credit Agreement

<PAGE>

                              FLEET NATIONAL BANK

                              By:  /s/ Peggy Peckham
                                   -------------------------------------
                                   Name:  Peggy Peckham
                                          ------------------------------
                                   Title: Senior Vice President
                                          ------------------------------

                               Signature Page to
                     Fourth Amendment to Credit Agreement

<PAGE>

                              U.S. BANK NATIONAL ASSOCIATION

                              By: /s/ David C. Larsen
                                  ------------------------------------
                                  Name:  David C. Larsen
                                         -----------------------------
                                  Title: Vice President
                                         -----------------------------

                               Signature Page to
                     Fourth Amendment to Credit Agreement

<PAGE>

                              CREDIT AGRICOLE INDOSUEZ

                              By: /s/ Larry Materi
                                  --------------------------------
                                  Name:  Larry Materi
                                         -------------------------
                                  Title: Vice President
                                         -------------------------

                              By: /s/ Bradley C. Peterson
                                  ----------------------------------
                                  Name:  Bradley C. Peterson
                                         ---------------------------
                                  Title: Vice President, Manager

                                         ---------------------------
                               Signature Page to
                     Fourth Amendment to Credit Agreement

<PAGE>

                              BANK ONE N.A. (as successor to The First
                              National Bank of Chicago)

                              By: /s/ Jacqueline P. Yardley
                                  -------------------------------------
                                  Name:  Jacqueline P. Yardley
                                         ------------------------------
                                  Title: First Vice President
                                         ------------------------------

                               Signature Page to
                     Fourth Amendment to Credit Agreement

<PAGE>

                              PNC BANK, NATIONAL ASSOCIATION

                              By: /s/ Michael A. Valerio, Jr.
                                  ----------------------------------------
                                  Name:  Michael A. Valerio, Jr.
                                         ---------------------------------
                                  Title: Vice President
                                         ---------------------------------

                               Signature Page to
                     Fourth Amendment to Credit Agreement

<PAGE>

                              HELLER FINANCIAL, INC.

                              By: /s/ K. Craig Gallehugh
                                  -----------------------------------
                                  Name:  K. Craig Gallehugh
                                         ----------------------------
                                  Title: Senior Vice President
                                         ----------------------------

                               Signature Page to
                     Fourth Amendment to Credit Agreement

<PAGE>

                              BNP PARIBAS

                              By:    /s/ Amy Kirschin
                                   --------------------------------------
                                  Name:   Amy Kirschin
                                          -------------------------------
                                  Title:  Vice President
                                          -------------------------------

                              By:    /s/ Edward Canale
                                   ---------------------------------
                                  Name:   Edward Canale
                                          --------------------------
                                  Title:  Managing Director
                                          --------------------------

                               Signature Page to
                     Fourth Amendment to Credit Agreement
<PAGE>

                              EATON VANCE SENIOR INCOME TRUST

                              By:   EATON VANCE MANAGEMENT,
                                    as Investment Advisor

                              By:     /s/ Payson F. Swaffield
                                   --------------------------------------
                                  Name:   Payson F. Swaffield
                                          -------------------------------
                                  Title:  Vice President
                                          -------------------------------

                               Signature Page to
                     Fourth Amendment to Credit Agreement
<PAGE>

                              SENIOR DEBT PORTFOLIO

                              By:   BOSTON MANAGEMENT AND
                                    RESEARCH, as Investment Advisor

                              By:    /s/ Scott H. Page
                                   --------------------------------------
                                 Name:     Scott H. Page
                                           ------------------------------
                                 Title:    Vice President
                                           ------------------------------

                               Signature Page to
                     Fourth Amendment to Credit Agreement
<PAGE>

                              OXFORD STRATEGIC INCOME FUND

                              By:   EATON VANCE MANAGEMENT,
                                    as Investment Advisor

                              By:       /s/ Scott H. Page
                                       -----------------------------------
                                     Name:    Scott H. Page
                                              ----------------------------
                                     Title:   Vice President
                                              ----------------------------

                               Signature Page to
                     Fourth Amendment to Credit Agreement
<PAGE>

                              KZH CYPRESSTREE-1 LLC

                              By:    /s/ Susan Lee
                                   -----------------------------------------
                                  Name:    Susan Lee
                                           ---------------------------------
                                  Title:   Authorized Agent
                                           ---------------------------------

                               Signature Page to
                     Fourth Amendment to Credit Agreement
<PAGE>

                              CYPRESSTREE INVESTMENT FUND, LLC

                              By:   CYPRESSTREE INVESTMENT
                                    MANAGEMENT COMPANY, INC.,
                                    its Managing Member

                              By:    /s/ Jonathan D. Sharkey
                                   ----------------------------------------
                                  Name:    Jonathan D. Sharkey
                                           --------------------------------
                                  Title:   Principal
                                           --------------------------------

                              CYPRESSTREE INSTITUTIONAL
                              FUND, LLC

                              By:   CYPRESSTREE INVESTMENT
                                    MANAGEMENT COMPANY, INC.,
                                    its Managing Member

                              By:    /s/ Jonathan D. Sharkey
                                   ----------------------------------------
                                  Name:    Jonathan D. Sharkey
                                           --------------------------------
                                  Title:   Principal
                                           --------------------------------

                              NORTH AMERICAN SENIOR FLOATING
                              RATE FUND

                              By:   CYPRESSTREE INVESTMENT
                                    MANAGEMENT COMPANY, INC.,
                                    as Portfolio Manager

                              By:    /s/ Jonathan D. Sharkey
                                   ----------------------------------------
                                  Name:    Jonathan D. Sharkey
                                           --------------------------------
                                  Title:   Principal
                                           --------------------------------

                               Signature Page to
                     Fourth Amendment to Credit Agreement
<PAGE>

                              MORGAN STANLEY DEAN WITTER
                              PRIME INCOME TRUST

                              By:    /s/ Sheila Finnerty
                                   ----------------------------------------
                                  Name:    Sheila Finnerty
                                           --------------------------------
                                  Title:   Senior Vice President
                                           --------------------------------

                               Signature Page to
                     Fourth Amendment to Credit Agreement
<PAGE>

                              DRESDNER BANK AG, NEW YORK AND
                                   GRAND CAYMAN BRANCHES

                              By:    /s/ John W. Sweeney
                                   ----------------------------------------
                                  Name:    John W. Sweeney
                                           --------------------------------
                                  Title:   Vice President
                                           --------------------------------

                              By:    /s/ Thomas R. Brady
                                   ----------------------------------------
                                  Name     Thomas R. Brady
                                           --------------------------------
                                  Title:   Vice President
                                           --------------------------------

                               Signature Page to
                     Fourth Amendment to Credit Agreement
<PAGE>

                              CERBERUS PARTNERS, L.P.

                              By:  Cerberus Associates, L.L.C., as General
                                   Partner

                              By:  _________________________________
                                   Name: ___________________________
                                   Title: __________________________

                               Signature Page to
                     Fourth Amendment to Credit Agreement
<PAGE>

                              AMROC INVESTMENTS, LLC

                              By:  _________________________________
                                   Name: ___________________________
                                   Title: __________________________

                               Signature Page to
                     Fourth Amendment to Credit Agreement<PAGE>

                                                                   EXHIBIT 10.10

<TABLE>
<S>                                              <C>                                            <C>
------------------------------------------------------------------------------------------------------------------------------------
DRUGMAX.COM, INC.                                FIRST COMMUNITY BANK OF AMERICA                 ACCOUNT #: 9932-0106
12505 STARKEY ROAD SUITE A                       6100 4TH STREET NORTH                           Loan Number 25408
                                                                                                             -----------------------
LARGO, FL 33703                                  ST. PETERSBURG, FL 33703                        Date OCTOBER 1, 2000
                                                                                                      ------------------------------
                                                                                                 Maturity Date APRIL 1, 2001
                                                                                                               ---------------------
                                                                                                 Loan Amount $ 1,000,000.00
                                                                                                               ---------------------
                                                                                                 Renewal Of 25408
                                                                                                            ------------------------

     BORROWER'S NAME AND ADDRESS                      LENDER'S NAME AND ADDRESS
"I" includes each borrower above, joint and    "You" means the lender, its successors and
                severally.                                     assigns.
------------------------------------------------------------------------------------------------------------------------------------

For value received, I promise to pay to you, or your order, at your address listed above the PRINCIPAL sum of ONE MILLION AND
                                                                                                              ---------------
NO/100** * * * * * * * * * * * * * * * * * * * * * * * * * * * * Dollars $ 1,000,000.00
----------------------------------------------------------------         --------------
[_]  Single Advance: I will receive all of this principal sum on ________________. No additional advances are contemplated under
this note.

[XX] Multiple Advance: The principal sum shown above is the maximum amount of principal I can borrow under this note. On OCTOBER
                                                                                                                      ----------
      1, 2000 ______________ I will receive the amount of $ 996,094.78 and future principal advances are contemplated.
      -------                                               ----------
      Conditions: The conditions for future advances are AS PER THE TERMS OF THE LINE OF CREDIT AGREEMENT OF EVEN DATE
                                                        ----------------------------------------------------------------------------
      ______________________________________________________________________________________________________________________________
      [XX] Open End Credit: You and I agree that I may borrow up to the maximum amount of principal more than one time. This
             feature is subject to all other conditions and expires on APRIL 1, 2001.
                                                                       -------------
      [_]  Closed End Credit: You and I agree that I may borrow up to the maximum only one time (and subject to all other
             conditions).
INTEREST: I agree to pay interest on the outstanding principal balance from OCTOBER 1, 2000 at the rate of 7.000% per year until
                                                                            ---------------                -----
FIRST CHANGE DATE.
-----------------
[XX] Variable Rate: This rate may then change as stated below.
     [XX]  Index Rate: The future rate will be 1.000% OVER the following index rate: RATE OF INTEREST PAID ON FIRST COMMUNITY BANK
                                               -----------                           ---------------------------------------------
     OF AMERICA
     ------------------------------------------------------------------------------------------------------------------------------
     CERTIFICATE OF DEPOSIT#30028380
     ------------------------------------------------------------------------------------------------------------------------------
     [_]   No Index: The future rate will not be subject to any internal or external index. It will be entirely in your control.
     [XX]  Frequency and Timing: The rate on this note may change as often as MONTHLY
                                                                              -----------------------------------------------------
             A change in the interest rate will take effect ON THE SAME DAY
                                                            -----------------------------------------------------------------------
     [_]   Limitations: During the term of this loan, the applicable annual interest rate will be more than __________ % or less
             than _______________%. The rate may not change more than _________________% each ____________________________________.
     Effect of Variable Rate: A change in the interest rate will have the following effect on the payments:
     [XX]  The amount of each scheduled payment will change.        [XX]  The amount of the final payment will change.
     [_]   _______________________________________________________________________________________________________________________.
ACCRUAL METHOD: Interest will be calculated on a ACTUAL/365 basis.
                                                 ----------
POST MATURITY RATE: I agree to pay interest on the unpaid balance of this note owing after maturity, and until paid in full, as
stated below:
     [_]   on the same fixed or variable rate basis in effect before maturity (as indicated above).
     [XX]  at a rate equal to 18%_________________________________________________________________________________________________.
[XX] LATE CHARGE: If a payment is made more than 10 days after it is due, I agree to pay a late charge of 5.000% OF THE LATE PAYMENT
                                                 --
     WITH A MINIMUM OF $15.00
     ------------------------------------------------------------------------------------------------------------------------------.
[XX] ADDITIONAL CHARGES: In addition to interest, I agree to pay the following charges which [_] are [XX] are not included in the
     principal amount above: LOAN FEE $125.00
                             ------------------------------------------------------------------------------------------------------.
PAYMENTS:  I agree to pay this note as follows:
[XX] Interest: I agree to pay accrued interest ON THE 1ST DAY OF EACH MONTH BEGINNING NOVEMBER 1, 2000
                                               ------------------------------------------------------------------------------------
     ______________________________________________________________________________________________________________________________
[XX] Principal: I agree to pay the principal APRIL 1, 2001
                                             --------------------------------------------------------------------------------------
     ______________________________________________________________________________________________________________________________
[_]  Installments: I agree to pay this note in ____________ payments. The first payment will be in the amount of $ ________________
     and will be due __________________________________________________. A payment of $ __________________ will be due ____________
     ________________________________________________________ thereafter. The final payment of the entire unpaid balance of
     principal and interest will be due ________________________________________________________________________________.
ADDITIONAL TERMS:

-----------------------------------------------------------------
[XX] SECURITY: This note is separately secured by (describe         PURPOSE: The purpose of this loan is BUSINESS: SHORT TERM
                                                                                                         --------------------------
separate document by type and date): SECURITY AGREEMENT             WORKING CAPITAL/RENEWAL
                                                                    ---------------------------------------------------------------.
DATED MARCH 17, 2000                                                SIGNATURES: I AGREE TO THE TERMS OF THIS NOTE (INCLUDING THOSE
                                                                    ON PAGE 2). I have received a copy on today's date.

(This section is for your internal use. Failure to list a
separate security document does not mean the agreement will
not secure this note.)
-----------------------------------------------------------------

                                                                    DRUGMAX.COM, INC.
                                                                    ----------------------------------------------------------------

Signature for Lender

                                                                    BY: /s/ William Lagamba
                                                                    ----------------------------------------------------------------
_________________________________________________________________   WILLIAM LAGAMBA, PRESIDENT

                                                                    ________________________________________________________________

_________________________________________________________________

                                                                    ________________________________________________________________
</TABLE>

                                                                   (page 1 of 2)

<PAGE>

DEFINITIONS:  As used on page 1, "[x]" means the terms that apply to this loan.
"I," "me" or " my" means each Borrower who signs this note and each other person
or legal entity (including guarantors, endorsers, and sureties) who agrees to
pay this note (together referred to as "us").  "You" or "your" means the Lender
and its successors and assigns.
APPLICABLE LAW: The law of the state of Florida will govern this note. Any term
of this note which is contrary to applicable law will not be effective, unless
the law permits you and me to agree to such a variation. If any provision of
this agreement cannot be enforced according to its terms, this fact will not
affect the enforceability of the remainder of this agreement. No modification of
this agreement may be made without your express written consent. Time is of the
essence in this agreement.
PAYMENTS: Each payment I make on this note will first reduce the amount I owe
you for charges which are neither interest nor principle. The remainder of each
payment will then reduce accrued unpaid interest, and then unpaid principle. If
you and I agree to a different application of payments, we will describe our
agreement on this note. I may prepay a part of, or the entire balance of this
loan without penalty, unless we specify to the contrary on this note. Any
partial prepayment will not excuse or reduce any later scheduled payment until
this note is paid in full (unless, when I make the prepayment, you and I agree
in writing to the contrary).
INTEREST: Interest accrues on the principal remaining unpaid from time to time,
until paid in full. If I receive the principal in more than one advance, each
advance will start to earn interest only when I receive the advance. The
interest rate in effect on this note at any given time will apply to the entire
principal advanced at that time. Notwithstanding anything to the contrary, I do
not agree to pay and you do not intend to charge any rate of interest that is
higher than the maximum rate of interest you could charge under applicable law
for the extension of credit that is agreed to here (either before or after
maturity). If any notice of interest accrual is sent and is in error, we
mutually agree to correct it, and if you actually collect more interest than
allowed by law and this agreement, you agree to refund it to me.
INDEX RATE:  The index will serve only as a device for setting the rate on this
note. You do not guarantee by selecting this index, or the margin, that the rate
on this note will be the same rate you charge on any other loans or class of
loans to me or other borrowers.
ACCRUAL METHOD:  The amount of interest that I will pay on this loan will be
calculated using the interest rate and accrual method stated on page 1 of this
note.  For the purpose of interest calculation, the accrual method will
determine the number of days in a "year."  If no accrual method is stated,
then you may use any reasonable accrual method for calculating interest.
POST MATURITY RATE:  For purposes of deciding when the "Post Maturity Rate"
(shown on page 1) applies, the term "maturity" means the date of the last
scheduled payment indicated on page 1 of this note or the date you accelerate
payment on the note, whichever is earlier.
SINGLE ADVANCE LOANS:  If this is a single advance loan, you and I expect that
you will make only one advance of principal.  However, you may add other amounts
to the principal if you make any payments described in the "PAYMENTS BY LENDER"
paragraph below.
MULTIPLE ADVANCE LOANS:  If this is a multiple advance loan, you and I expect
that you will make more than one advance of principal.  If this is closed end
credit, repaying a part of the principal will not entitle me to additional
credit.
PAYMENTS BY LENDER:  If you are authorized to pay, on my behalf, charges I am
obligated to pay (such as property insurance premiums), then you may treat those
payments made by you as advances and add them to the unpaid principal under this
note, or you may demand immediate payment of the charges.
SET-OFF:  I agree that you may set off any amount due and payable under this
note against any right I have to receive money from you.
     "Right to receive money from you" means:
     (1) any deposit account balance I have with you;
     (2) any money owed to me on an item presented to you or in your possession
         for collection or exchange; and
     (3) any repurchase agreement or other nondeposit obligation.
     "Any amount due and payable under this note" means the total amount of
which you entitled to demand payment under the terms of this note at the time
you set off.  This total includes any balance the due date for which you
properly accelerate under this note.
     If my right to receive money from you is also owned by someone who has not
agreed to pay this note, your right of set-off will apply to my interest in the
obligation and to any other amounts I could withdraw on my sole request or
endorsement.  Your right of set-off does not apply to an account or other
obligation where my rights are only as a representative.  It also does not apply
to any Individual Retirement Account or other tax-deferred retirement account.
     You will not be liable for the dishonor of any check when the dishonor
occurs because you set off this debt against any of my accounts. I agree to hold
you harmless from any such claims arising as a result of your exercise of your
right of set-off.
REAL ESTATE OR RESIDENCE SECURITY:  If this note is secured by real estate or a
residence that is personal property, the existence of a default and your
remedies for such a default will be determined by applicable law, by the terms
of any separate instrument creating the security interest and, to the extent not
prohibited by law and not contrary to the terms of the separate security
instrument, by the "Default" and "Remedies" paragraphs herein.
DEFAULT:  I will be in default if any one or more of the following occur:
(1) I fail to make a payment on time or in the amount due; (2) I fail to keep
the property insured, if required; (3) I fail to pay, or keep any promise, on
any debt or agreement I have with you; (4) any other creditor of mine attempts
to collect any debt I owe him through court proceedings; (5) I die, am declared
incompetent, make an assignment for the benefit of creditors, or become
insolvent (either because my liabilities exceed my assets or I am unable to
pay my debts as they become due): (6) I make any written statement or provide
any financial information that is untrue or inaccurate at the time it was
provided; (7) I do or fail to do something which causes you to believe that
you will have difficulty collecting the amount I owe you; (8) any collateral
securing this note is used in a manner or for a purpose which threatens
confiscation by a legal authority; (9) I change my name or assume an
additional name without first notifying you before making such a change; (10) I
fail to plant, cultivate and harvest crops in due season; (11) any loan
proceeds are used for a purpose that will contribute to excessive erosion of
highly erodible land or to the conversion of wetlands to produce an agricultural
commodity, as further explained in 7 C.F.R. Part 1940, Subpart G, Exhibit M.
REMEDIES: If I am default on this note you have, but are not limited to, the
following remedies:
     (1) You may demand immediate payment of all I owe you under this note
         (principal, accrued unpaid interest and other accrued charges).
     (2) You may set off this debt against any right I have to the payment of
         money from you, subject to the terms of the "Set-off" paragraph herein.
     (3) You may demand security, additional security, or additional parties to
         be obligated to pay this note as a condition for not using any other
         remedy.
     (4) You may refuse to make advances to me or allow purchases on credit by
         me.
     (5) You may use any remedy you have under state or federal law.
By selecting any one or more of these remedies you do not give up your right to
later use any other remedy. By waiving your right to declare an event to be a
default, you do not waive your right to later consider the event as a default if
it continues or happens again.
COLLECTION COSTS AND ATTORNEY'S FEES: I agree to pay all costs of collection,
replevin or any other or similar type of cost if I am in default. In addition,
if you hire an attorney to collect this note, I also agree to pay any reasonable
fee you incur with such attorney plus court costs (except where prohibited by
law). I agree that reasonable attorney's fees shall be construed to mean 10% of
the principal sum named in this note, or such larger fee that the court may
determine to be reasonable and just. To the extent permitted by the United
States Bankruptcy Code, I also agree to pay the reasonable attorney's fees and
costs you incur to collect this debt as awarded by any court exercising
jurisdiction under the Bankruptcy Code.
WAIVER: I give up my rights to require you to do certain things. I will not
require you to:
     (1) demand payment of amounts due (presentment);
     (2) obtain official certification of nonpayment (protest); or
     (3) give notice that amounts due have not been paid (notice of dishonor).
     I waive any defenses I have based on suretyship or impairment of
collateral.
To the extent permitted by law, I also waive my right to a trial by jury in
respect to any litigation arising from this note and any other agreement
executed in conjunction with this credit transaction.
OBLIGATIONS INDEPENDENT: I understand that I must pay this note even if someone
else has also agreed to pay it (by, for example, signing this form or a separate
guarantee or endorsement). You may sue me alone, or anyone else who is obligated
on this note, or any number of us together, to collect this note. You may do so
without any notice that it has not been paid (notice of dishonor). You may
without notice release any party to this agreement without releasing any other
party. If you give up any of your rights, with or without notice, it will not
affect my duty to pay this note. Any extension of new credit to any of us, or
renewal of this note by all or less than all of us will not release me from my
duty to pay it. (Of course, you are entitled to only one payment in full.) I
agree that you may at your option extend this note or the debt represented by
this note, or any portion of the note or debt, from time to time without limit
or notice and for any term without affecting my liability for payment of the
note. I will not assign my obligation under this agreement without your prior
written approval.
CREDIT INFORMATION: I agree and authorize you to obtain credit information about
me from time to time (for example, by requesting a credit report) and to report
to others your credit experience with me (such as a credit reporting agency). I
agree to provide you, upon request, any financial statement or information you
may deem necessary. I warrant that the financial statements and information I
provide to you are or will be accurate, correct and complete.
NOTICE: Unless otherwise required by law, any notice to me shall be given by
delivering it or by mailing it by first class mail addressed to me at my last
known address. My current address is on page 1. I agree to inform you in writing
of any change in my address. I will give any notice to you by mailing it first
class to your address stated on page 1 of this agreement, or to any other
address that you have designated.

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------
 DATE OF        PRINCIPAL    BORROWER'S      PRINCIPAL      PRINCIPAL      INTEREST    INTEREST   INTEREST
TRANSACTION      ADVANCE      INITIALS        PAYMENTS       BALANCE         RATE      PAYMENTS     PAID
                           (not required)                                                          THROUGH:
------------------------------------------------------------------------------------------------------------
<S>             <C>        <C>               <C>            <C>             <C>        <C>         <C>
 /  /           $                            $              $                    %     $             /  /
------------------------------------------------------------------------------------------------------------
 /  /           $                            $              $                    %     $             /  /
------------------------------------------------------------------------------------------------------------
 /  /           $                            $              $                    %     $             /  /
------------------------------------------------------------------------------------------------------------
 /  /           $                            $              $                    %     $             /  /
------------------------------------------------------------------------------------------------------------
 /  /           $                            $              $                    %     $             /  /
------------------------------------------------------------------------------------------------------------
 /  /           $                            $              $                    %     $             /  /
------------------------------------------------------------------------------------------------------------
 /  /           $                            $              $                    %     $             /  /
------------------------------------------------------------------------------------------------------------
 /  /           $                            $              $                    %     $             /  /
------------------------------------------------------------------------------------------------------------
 /  /           $                            $              $                    %     $             /  /
------------------------------------------------------------------------------------------------------------
 /  /           $                            $              $                    %     $             /  /
------------------------------------------------------------------------------------------------------------
 /  /           $                            $              $                    %     $             /  /
------------------------------------------------------------------------------------------------------------
</TABLE>
                                                                   (page 2 of 2)

<PAGE>

<TABLE>
------------------------------------------------------------------------------------------------------------------------------------
<S>                                          <C>                                                 <C>
DRUGMAX.COM, INC.                            FIRST COMMUNITY BANK OF AMERICA
---------------------------------            6100 4TH STREET NORTH
12505 STARKEY ROAD SUITE A                   ST. PETERSBURG, FL 33703
---------------------------------
LARGO, FL 33703                                                                                   Line of Credit No. 25408
---------------------------------                                                                                    -----
---------------------------------                                                                 Date   OCTOBER 1, 2000
                                                                                                       --------------------
     BORROWER'S NAME AND ADDRESS                        LENDERS'S NAME AND ADDRESS                Max. Credit Amt. $1,000,000.00
  "I" includes each borrower above,          "You" means the lender, its successors and assigns.                   -------------
  jointly and severally.                                                                          Loan Ref. No. 25408
----------------------------------------------------------------------------------------------------------------------------------
</TABLE>

You have extended to me a line of credit in the
AMOUNT of ONE MILLION AND NO/100                            $   1,000,000.00
          -------------------------------------------------   --------------.
You will make loans to me from time to time until 5:00  Pm. on APRIL 1, 2001.
                                                  ----- ---     ------------
Although the line of credit expires on that date, I will remain obligated to
perform all my duties under this agreement so long as I owe you any money
advanced according to the terms of this agreement, as evidenced by any note or
notes I have signed promising to repay these amounts.
   This line of credit is an agreement between you and me. It is not intended
that any third party receive any benefit from this agreement, whether by direct
payment, reliance for future payment or in any other manner. This agreement is
not a letter of credit.

1. AMOUNT: This line of credit is:
    [XX] OBLIGATORY: You may not refuse to make a loan to me under this line of
         credit unless one of the following occurs:
         a. I have borrowed the maximum amount available to me;
         b. This line of credit has expired;
         c. I have defaulted on the note (or notes) which show my indebtedness
            under this line of credit;
         d. I have violated any term of this line of credit or any note or other
            agreement entered into in connection with this line of credit;

         e.________________________________________________________________
         __________________________________________________________________
         __________________________________________________________________

    [_]  DISCRETIONARY: You may refuse to make a loan to me under this line
         of credit once the aggregate outstanding advances equal or exceed
         ________________________________________ $ _______________.

Subject to the obligatory or discretionary limitations above, this line of
credit is:
    [XX] OPEN-END (Business or Agricultural only): I may borrow up to the
         maximum amount of principal more than one time.
    [_]  CLOSED-END: I may borrow up to the maximum only one time.

2. PROMISSORY NOTE: I will repay any advances made according to this line of
    credit agreement as set out in the promissory note, I signed on OCTOBER 1,
                                                                    ---------
    2000, or any note(s) I sign at a later time which represent advances under
    ----
    this agreement. The note(s) set(s) out the terms relating to maturity,
    interest rate, repayment and advances. If indicated on the promissory
    note, the advances will be made as follows:

    _____________________________________________________________________
    _____________________________________________________________________
    _____________________________________________________________________
    _____________________________________________________________________

3. RELATED DOCUMENTS: I have signed the following documents in connection with
    this line of credit and note(s) entered into in accordance with this line
    of credit:

<TABLE>
    <S>                                                   <C>
    [_] security agreement dated_________________________ [XX] SAVINGS ASSIGNMENT DATED 3/17/00
                                                              ---------------------------------
    [_] mortgage dated___________________________________ [XX] SECURITY AGREEMENT DATED 3/17/00
                                                              ---------------------------------
    [_] guaranty dated___________________________________ [_]  ________________________________
</TABLE>

4. REMEDIES: If I am in default on the note(s) you may:
    a. take any action as provided in the related documents;
    b. without notice to me, terminate this line of credit.
       By selecting any of these remedies you do not give up your right to later
    use any other remedy. By deciding not to use any remedy should I default,
    you do not waive your right to later consider the event a default, if it
    happens again.

5. COSTS AND FEES: If you hire an attorney to enforce this agreement I will pay
    your reasonable attorney's fees, where permitted by law. I will also pay
    your court costs and costs of collection, where permitted by law.

6. COVENANTS: For as long as this line of credit is in effect or I owe you money
    for advances made in accordance with the line of credit, I will do the
    following:
    a. maintain books and records of my operations relating to the need for this
       line of credit;
    b. permit you or any of your representatives to inspect and/or copy these
       records;
    c. provide to you any documentation requested by you which support the
       reason for making any advance under this line of credit;
    d. permit you to make any advance payable to the seller (or seller and me)
       of any items being purchased with that advance;

    e. ______________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________

7. NOTICES: All notices or other correspondence with me should be sent to my
    address stated above. The notice or correspondence shall be effective when
    deposited in the mail, first class, or delivered to me in person.

8. MISCELLANEOUS: This line of credit may not be changed except by a written
    agreement signed by you and me. The law of the state in which you are
    located will govern this agreement. Any term of this agreement which is
    contrary to applicable law will not be effective, unless the law permits you
    and me to agree to such a variation.

                                        SIGNATURES: I AGREE TO THE TERMS OF THIS
FOR THE LENDER                          LINE OF CREDIT. I HAVE RECEIVED A COPY
                                        ON TODAY'S DATE.

/s/ Scott  C. Boyle                     DRUGMAX.COM, INC.
------------------------------          ------------------------------------
    SCOTT  C. BOYLE

Title PRESIDENT/CEO                     BY /s/ William Lagamba
      ------------------------          ------------------------------------
                                            WILLIAM LAGAMBA, PRESIDENT
                                        ------------------------------------

                                                                   (page 1 of 1)

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