Document:

Exhibit 10.24
                        OMEGA BANK, NATIONAL ASSOCIATION
                          SALARY CONTINUATION AGREEMENT

      THIS AGREEMENT is made this 23rd day of December 2003 by and between OMEGA
BANK, NATIONAL ASSOCIATION located in State College, Pennsylvania (the "Bank")
and DONITA KOVAL (the "Officer").

                                  INTRODUCTION

      To encourage the Officer to remain an employee of the Bank, the Bank is
willing to provide salary continuation benefits to the Officer. The Bank will
pay the benefits from its general assets. All or a portion of the benefits may
be paid from the Omega Bank, National Association, Rabbi Trust Agreement dated
March 1, 2000. This agreement shall be reviewed and updated by the Bank as
appropriate on a periodic basis.

                                    AGREEMENT

      The Officer and the Bank agree as follows:

                                    Article 1
                                   Definitions

      Whenever used in this Agreement, the following words and phrases shall
have the meanings specified:

      1.1 "Annual Compensation" means the W-2 remuneration the Officer receives
as salary, but before deductions authorized by the Officer or required by law to
be withheld from the Officer by the Bank such as income taxes or Social Security
taxes.

      1.2 "Change of Control" means any of the following:

      (A) Buyout. A transaction or series of transactions wherein the Bank is
sold, either through the sale of a controlling interest in the Bank's voting
stock or through the sale of substantially all of the Bank's assets, to a party
not having a controlling interest in the Bank's voting stock on the date of
execution of this Agreement.

      (B) Merger. A transaction or series of transactions wherein the Bank is
combined with another business entity, and after which the persons who had
owned, either directly or indirectly, a controlling interest in the Bank's
voting stock on the date of execution of this Agreement own less than a
controlling interest in the voting stock of the combined entity. For the
purposes of this Agreement, the term "Merger" shall include any event or series
of events as described in the immediately preceding sentence, whether or not the
combined entity retains the name of the Bank, retains the name of the business
entity that acquired a controlling interest in the Bank, or a new name is given
to the combined entity.

<PAGE>

      (C) Substantial Change in Ownership. A transaction or series of
transactions in which fifteen percent or more of the voting stock of the Bank is
acquired by or for a person or business entity, either of which did not own,
either directly or indirectly, a controlling interest in the voting stock of the
Bank on the date that this Agreement was executed. The above shall not apply to
stock purchased by the Employee Stock Ownership Plan ("ESOP") at Omega Bank,
National Association.

      1.3 "Code" means the Internal Revenue Code of 1986, as amended.

      1.4 "Disability" means, if the Officer is covered by a Bank sponsored
disability policy, total disability as defined in such policy without regard to
any waiting period. If the Officer is not covered by such a policy, Disability
means the inability to substantially perform the usual and regular duties
performed by the Officer as an employee of the Bank. Such disability may be
caused by either illness or injury and includes mental disabilities. For
purposes of this agreement, the determination of the Officer's disability shall
be made solely by the Board of Directors of the Bank without participation by
the alleged disabled Officer. Such determination by the Board of Directors shall
be final and conclusive on all parties hereto. As a condition to receiving any
Disability benefits, the Bank may require the Officer to submit to such physical
or mental evaluations and tests as the Bank's Board of Directors deems
appropriate.

      1.5 "Early Retirement Age" means the Officer's 55th birthday.

      1.6 "Early Termination" means Termination of Employment before Early
Retirement Age for reasons other than death, Disability or following a Change of
Control.

      1.7 "Effective Date" means December 23, 2003.

      1.8 "Normal Retirement Age" means the Officer's 65th birthday.

      1.9 "Normal Retirement Date" means the later of the Normal Retirement Age
or Termination of Employment.

      1.10 "Plan Year" means a twelve-month period commencing on January 1 and
ending on December 31 of each year. The initial Plan Year shall commence on the
effective date of this Agreement.

      1.11 "Termination of Employment" means that the Officer ceases to be
employed by the Bank for any reason whatsoever, voluntary or involuntary, other
than by reason of a leave of absence approved by the Bank.

                                    Article 2
                                Lifetime Benefits

      2.1 Normal Retirement Benefit. Upon Termination of Employment on or after
the Normal Retirement Age for reasons other than death, the Bank shall pay to
the Officer the benefit described in this Section 2.1 in lieu of any other
benefit under this Agreement.

            2.1.1 Amount of Benefit. The annual benefit under this Section 2.1
      is seventy-five

<PAGE>

      percent (75%) of the Officer's average Annual Compensation for the
      previous five (5) full calendar years, reduced by the following amounts:

                  (a) Social Security. 50 percent of the estimated annual
            primary Social Security benefit to be paid at age 65;

                  (b) 401(k) Plan. 100 percent of the estimated 15-year annuity
            that could be purchased with the Bank's matching contribution to the
            401(k) Plan. The annuity is to be calculated using an annual
            interest rate equal to the 10-Year Treasury Note rate plus 150 basis
            points, compounded monthly; and

                  (c) ESOP Plan. 100 percent of the estimated 15-year annuity
            that could be purchased with the Officer's balance in the Employee
            Stock Option Plan. The annuity is to be calculated using an annual
            interest rate equal to the 10-Year Treasury Note rate plus 150 basis
            points, compounded monthly.

            2.1.2 Payment of Benefit. The Bank shall pay the annual benefit to
      the Officer in 12 equal monthly installments payable on the first day of
      each month commencing with the month following the Officer's Normal
      Retirement Date. The annual benefit shall be paid to the Officer for 15
      years. The Bank, in its sole and absolute discretion, may make a lump sum
      payment of this benefit at any time, calculating the present value of said
      benefit using a discount rate equal to the 10-Year U.S. Treasury Note rate
      plus 150 basis points and monthly compounding.

      2.2 Early Termination Benefit. Upon Termination of Employment prior to
Early Retirement Age for reasons other than death, Change of Control or
Disability, the Bank shall not pay a benefit to the Officer under this
Agreement.

      2.3 Early Retirement Benefit. Upon Termination of Employment on or after
the Early Retirement Age and prior to the Normal Retirement Age for reasons
other than death, Change of Control or Disability, the Bank shall pay to the
Officer the benefit described in this Section 2.3 in lieu of any other benefit
under this Agreement.

            2.3.1 Amount of Benefit. The benefit under this Section 2.3 is the
      dollar amount equal to the liability then accrued on the books of the
      Bank, which shall be reported to the Officer on an annual basis by the
      Bank.

            2.3.2 Payment of Benefit. The Bank shall pay the benefit to the
      Officer by calculating a fixed annuity payable in 180 equal monthly
      installments, crediting interest on the unpaid balance at an annual rate
      equal to the 10-Year Treasury Note rate plus 150 basis points, compounded
      monthly. The monthly installments shall be payable on the first day of
      each month commencing with the month following Early Retirement Age.

      2.4 Disability Benefit. If the Officer terminates employment due to
Disability prior to Normal Retirement Age, the Bank shall pay to the Officer the
benefit described in this Section 2.4 in lieu of any other benefit under this
Agreement.

<PAGE>

            2.4.1 Amount of Benefit. The annual benefit under this Section 2.4
      is the Normal Retirement Benefit described in Section 2.1.1.

            2.4.2 Payment of Benefit. The Bank shall pay the annual benefit to
      the Officer in 12 equal monthly installments payable on the first day of
      each month commencing with the month following Normal Retirement Age. The
      annual benefit shall be paid to the Officer for 15 years.

      2.5 Change of Control Benefit. Upon a Change of Control and subsequent
Termination of Employment of the Officer, or the Officer electing within three
years of said Change of Control to terminate employment, the Bank shall pay to
the Officer the benefit described in this Section 2.5 in lieu of any other
benefit under this Agreement.

            2.5.1 Amount of Benefit. The annual benefit under this Section 2.5
      is the Normal Retirement Benefit described in Section 2.1.1.

            2.5.2 Payment of Benefit. The Bank shall pay the annual benefit to
      the Officer in 12 equal monthly installments payable on the first day of
      each month commencing with the month following Normal Retirement Age. The
      annual benefit shall be paid to the Officer for 15 years. The Bank, in its
      sole and absolute discretion, may begin annual payments or make a lump sum
      payment of this benefit at any time, calculating the present value of said
      benefit using a discount rate equal to the 10-Year U.S. Treasury Note rate
      plus 150 basis points and monthly compounding.

            2.5.3 Payment of Excise Tax. If payment of any benefit under this
      Article 5 results in an excise tax for the Officer under the excess
      parachute rules of Section 280G of the Code, the Bank shall increase this
      benefit to account for said excise tax and any tax thereon.

                                    Article 3
                                 Death Benefits

      3.1 Death During Active Service. If the Officer dies while in the active
service of the Bank, the Bank shall pay to the Officer's beneficiary the benefit
described in the Split Dollar Agreement and Endorsement attached as Addendum A
between the Bank and the Officer.

      3.2 Death During Benefit Period. If the Officer dies after the benefit
payments have commenced under this Agreement but before receiving all such
payments, the Bank shall pay the remaining benefits to the Officer's beneficiary
at the same time and in the same amounts they would have been paid to the
Officer had the Officer survived.

      3.3 Death After Termination of Employment But Before Benefit Payments
Commence. If the Officer is entitled to benefit payments under this Agreement,
but dies prior to the commencement of said benefit payments, the Bank shall pay
the benefit payments to the Officer's beneficiary that the Officer was entitled
to prior to death except that the benefit payments shall commence on the first
day of the month following the date of the Officer's death.

<PAGE>

                                    Article 4
                                  Beneficiaries

      4.1 Beneficiary Designations. The Officer shall designate a beneficiary by
filing a written designation with the Bank. The Officer may revoke or modify the
designation at any time by filing a new designation. However, designations will
only be effective if signed by the Officer and accepted by the Bank during the
Officer's lifetime. The Officer's beneficiary designation shall be deemed
automatically revoked if the beneficiary predeceases the Officer, or if the
Officer names a spouse as beneficiary and the marriage is subsequently
dissolved. If the Officer dies without a valid beneficiary designation, all
payments shall be made to the Officer's estate.

      4.2 Facility of Payment. If a benefit is payable to a minor, to a person
declared incapacitated, or to a person incapable of handling the disposition of
his or her property, the Bank may pay such benefit to the guardian, legal
representative or person having the care or custody of such minor, incapacitated
person or incapable person. The Bank may require proof of incapacity, minority
or guardianship as it may deem appropriate prior to distribution of the benefit.
Such distribution shall completely discharge the Bank from all liability with
respect to such benefit.

                                    Article 5
                               General Limitations

      5.1 Termination for Just Cause. Notwithstanding any provision of this
Agreement to the contrary, the Bank shall not pay any benefit under this
Agreement if the Bank terminates the Officer's employment for theft, fraud,
embezzlement or willful misconduct causing significant property damage to the
Bank or personal injury to another employee.

      5.2 Suicide or Misstatement. The Bank shall not pay any benefit under this
Agreement if the Officer commits suicide within two years after the date of this
Agreement, or if the Officer has made any material misstatement of fact on any
application for life insurance purchased by the Bank.

                                    Article 6
                          Claims and Review Procedures

      6.1 Claims Procedure. The Bank shall notify any person or entity that
makes a claim under this Agreement (the "Claimant") in writing, within 90 days
of Claimant's written application for benefits, of his or her eligibility or
noneligibility for benefits under the Agreement. If the Bank determines that the
Claimant is not eligible for benefits or full benefits, the notice shall set
forth (1) the specific reasons for such denial, (2) a specific reference to the
provisions of the Agreement on which the denial is based, (3) a description of
any additional information or material necessary for the Claimant to perfect his
or her claim, and a description of why it is needed, and (4) an explanation of
this Agreement's claims review procedure and other appropriate information as to
the steps to be taken if the Claimant wishes to have the claim reviewed. If the
Bank determines that there are special circumstances requiring additional time
to make a decision, the Bank shall notify the Claimant of the special
circumstances and the date by which a decision is expected to be made, and may
extend the time for up to an additional 90 days.

<PAGE>

      6.2 Review Procedure. If the Claimant is determined by the Bank not to be
eligible for benefits, or if the Claimant believes that he or she is entitled to
greater or different benefits, the Claimant shall have the opportunity to have
such claim reviewed by the Bank by filing a petition for review with the Bank
within 60 days after receipt of the notice issued by the Bank. Said petition
shall state the specific reasons which the Claimant believes entitle him or her
to benefits or to greater or different benefits. Within 60 days after receipt by
the Bank of the petition, the Bank shall afford the Claimant (and counsel, if
any) an opportunity to present his or her position to the Bank verbally or in
writing, and the Claimant (or counsel) shall have the right to review the
pertinent documents. The Bank shall notify the Claimant of its decision in
writing within the 60-day period, stating specifically the basis of its
decision, written in a manner calculated to be understood by the Claimant and
the specific provisions of the Agreement on which the decision is based. If,
because of the need for a hearing, the 60-day period is not sufficient, the
decision may be deferred for up to another 60 days at the election of the Bank,
but notice of this deferral shall be given to the Claimant.

                                    Article 7
                           Amendments and Termination

      This Agreement may be amended or terminated only by a written agreement
signed by the Bank and the Officer.

                                    Article 8
                                  Miscellaneous

      8.1 Binding Effect. This Agreement shall bind the Officer and the Bank,
and their beneficiaries, survivors, executors, successors, administrators and
transferees.

      8.2 No Guarantee of Employment. This Agreement is not an employment policy
or contract. It does not give the Officer the right to remain an employee of the
Bank, nor does it interfere with the Bank's right to discharge the Officer. It
also does not require the Officer to remain an employee nor interfere with the
Officer's right to terminate employment at any time.

      8.3 Non-Transferability. Benefits under this Agreement cannot be sold,
transferred, assigned, pledged, attached or encumbered in any manner.

      8.4 Reorganization. The Bank shall not merge or consolidate into or with
another Bank, or reorganize, or sell substantially all of its assets to another
Bank, firm, or person unless such succeeding or continuing Bank, firm, or person
agrees to assume and discharge the obligations of the Bank under this Agreement.
Upon the occurrence of such event, the term "Bank" as used in this Agreement
shall be deemed to refer to the successor or survivor Bank.

      8.5 Tax Withholding. The Bank shall withhold any taxes that are required
to be withheld from the benefits provided under this Agreement.

      8.6 Applicable Law. The Agreement and all rights hereunder shall be
governed by the laws of the State of Pennsylvania, except to the extent
preempted by the laws of the United States

<PAGE>

of America.

      8.7 Unfunded Arrangement. The Officer and beneficiary are general
unsecured creditors of the Bank for the payment of benefits under this
Agreement. The benefits represent the mere promise by the Bank to pay such
benefits. The rights to benefits are not subject in any manner to anticipation,
alienation, sale, transfer, assignment, pledge, encumbrance, attachment, or
garnishment by creditors. Any insurance on the Officer's life is a general asset
of the Bank to which the Officer and beneficiary have no preferred or secured
claim, however, any insurance policy may be held in the Omega Bank, National
Association, Rabbi Trust Agreement dated March 1, 2000 and subject to the terms
and conditions of said trust.

      8.8 Entire Agreement. This Agreement constitutes the entire agreement
between the Bank and the Officer as to the subject matter hereof. No rights are
granted to the Officer by virtue of this Agreement other than those specifically
set forth herein.

      8.9 Administration. The Bank shall have powers which are necessary to
administer this Agreement, including but not limited to:

            (a) Interpreting the provisions of the Agreement;

            (b) Establishing and revising the method of accounting for the
      Agreement;

            (c) Maintaining a record of benefit payments; and

            (d) Establishing rules and prescribing any forms necessary or
      desirable to administer the Agreement.

      8.10 Named Fiduciary. The Bank shall be the named fiduciary and plan
administrator under this Agreement. It may delegate to others certain aspects of
the management and operational responsibilities including the employment of
advisors and the delegation of ministerial duties to qualified individuals.

      IN WITNESS WHEREOF, the Officer and the Bank have signed this Agreement.

OFFICER:                                BANK:
                                        OMEGA BANK, NATIONAL ASSOCIATION

/s/ Donita Koval                        By /s/ Robert A. Szeyller
Donita Koval                                Robert A. Szeyller
                                        Title: Chairman, Compensation CommitteeFPIC Insurance Group, Inc.

	

Exhibit 10(sss)  

INDEMNIFICATION
AGREEMENT  

          This
Indemnification Agreement (the “Agreement”), made as of June 5, 2002, by and between
FPIC INSURANCE GROUP, INC., a Florida corporation (the “Company”), and KENNETH M.
KIRSCHNER, a director and/or officer of the Company (the “Indemnitee”).   

W I T N E S S E T H   T H
A T:  

          WHEREAS,
the Company desires to retain and attract as directors and officers the most capable
persons available; and  

          WHEREAS,
 the Company and Indemnitee  recognize that Indemnitee is unable to acquire adequate or
reliable advance knowledge or guidance with respect to the legal risks and potential
civil  liabilities to which he may become  personally  exposed as a result of performing
his duties in good faith for the Company; and  

          WHEREAS,
 the  Company  and  Indemnitee  recognize  that  the cost of  defending  against  such
 lawsuits,  whether  or not meritorious, is typically beyond the financial resources of
most individuals; and  

          WHEREAS,
 the  Articles  of  Incorporation  and Bylaws of the Company  permit the Company to
 indemnify  its  officers  and directors to the fullest extent permitted by law; and  

          WHEREAS,
 Section  607.0850 of the Florida  Statutes  sets forth  certain  provisions  relating to
the  indemnification  of officers and directors of a Florida corporation by such
corporation; and  

          WHEREAS,
 the Company desires to have  Indemnitee  continue to serve as an officer and/or director
of the Company free from any undue concern,  from  unpredictable,  inappropriate  or
unreasonable  civil risks and personal civil  liabilities,  by reason of acting in good
faith in the  performance  of his duties to the  Company  and  Indemnitee  desires to
continue to serve as an officer and/or director of the Company; provided, on the express
condition, that he is furnished with the indemnity set forth herein;  

          NOW,
 THEREFORE,  in  consideration of the mutual covenants and agreements below and based on
the premises set forth above, the Company and Indemnitee do hereby agree as follows:  

          1.
Definitions. As used in the Agreement:   

	  	          (a)
The term “Proceeding” shall include any threatened, pending or completed action,
suit or proceeding, whether brought in the name of the Company or otherwise and
whether of civil, administrative or investigative nature, including, but not
limited to, actions, suits, or proceedings brought under and/or predicated upon
the Securities Act of 1933, as amended, and/or the Securities Exchange Act of
1934, as amended, and/or their respective state counterparts and/or any rule or
regulation promulgated thereunder, in which Indemnitee may be or may have been
involved as a party or otherwise, by reason of any action taken by his or any
inaction on his part while acting as such director and/or officer or by reason
of the fact that she is or was serving at the request of the Company as a
director, officer, employee or agent of another corporation, partnership, joint
venture, trust or other enterprise, whether or not he is serving in such
capacity at the time any liability or expense is incurred for which
indemnification or reimbursement can be provided under this Agreement. The term
“Proceeding” shall not include any criminal action or proceeding.  

	

1  

	

Exhibit 10(sss)  

	  	          (b)
The term “Expenses” includes, without limitation thereto, expenses of
investigations, judicial or administrative proceedings or appeals, amounts paid
in settlement by or on behalf of Indemnitee, attorneys’ fees and disbursements
and any expenses of establishing a right to indemnification under Paragraph 7 of
this Agreement, but shall not include the amount of judgments, fines or
penalties actually levied against Indemnitee and shall not include any Expenses
incurred in connection with any criminal Proceeding.  

	  	          (c)
References to “other enterprise” shall include employee benefit plans;
references to “fines” shall include an excise tax assessed with respect to any
employee benefit plan; references to “serving at the request of the Company”
shall include any service as a director, officer, employee or agent of the
Company which imposes duties on, or involves services by, such director,
officer, employee, or agent with respect to an employee benefit plan, its
participants, or beneficiaries; references to “employee benefit plans” shall
include, and not be limited to, stock option plans, stock award plans, stock
purchase plans, 401(k) plans, pension plans, health and welfare plans, and
retirement plans; and a person who acts in good faith and in a manner he
reasonably believes to be in the interest of the participants and beneficiaries
of an employee benefit plan shall be deemed to have acted in a manner “not
opposed to the best interests of the Company” as referred to in this Agreement.
 

	

          2.
Agreement to Serve. Indemnitee agrees to serve or continue to serve as a director
and/or officer of the Company at the will of the Company or under separate contract,
as the case may be, for so long as he is duly elected or appointed or until such time as
he tenders his resignation in writing.   

          3.
Indemnity in Third Party Proceedings. The Company shall indemnify Indemnitee in
accordance with the provisions of this section if Indemnitee is a party to or
threatened to be made a party to or otherwise involved in any Proceeding (other than
a Proceeding by or in the name of the Company to procure a judgment in its favor), by
reason of the fact that Indemnitee is or was a director and/or officer of the
Company or is or was serving at the request of the Company as a director, officer,
employee or agent of another corporation, partnership, joint venture, trust or other
enterprise, against all Expenses, judgments, fines and penalties, actually and
reasonably incurred by Indemnitee in connection with the defense or settlement
of such Proceeding, provided it is determined pursuant to Paragraph 7 of this
Agreement or by the court before which such action was brought, that Indemnitee
acted in good faith and in a manner which he reasonably believed to be in good faith
and in a manner he believed to be in or not opposed to the best interests of the Company.   

2  

	

Exhibit 10(sss)  

          4.
Indemnity in Proceedings By or in the Name of the Company. The Company shall
indemnify Indemnitee in accordance with the provisions of this section if Indemnitee
is a party to or threatened to be made a party to or otherwise involved in any
Proceeding by or in the name of the Company to procure a judgment in its favor by
reason of the fact that Indemnitee was or is a director and/or officer of the Company
or is or was serving at the request of the Company as a director, officer, employee
or agent of another corporation, partnership, joint venture, trust or other
enterprise against all Expenses actually and reasonably incurred by Indemnitee in
connection with the defense or settlement of such Proceeding, but only if he acted in
good faith and in a manner which he reasonably believed to be in or not opposed to the
best interests of the Company, except that no indemnification for Expenses shall be made
under this Paragraph 4 in respect of any claim, issue or matter as to which Indemnitee
shall have been adjudged to be liable to the Company, unless and only to the extent
that any court in which such Proceeding is brought shall determine upon application
that, despite the adjudication of liability but in view of all the circumstances
of the case, Indemnitee is fairly and reasonably entitled to indemnity for such
expenses as such court shall deem proper.   

          5.
Indemnification of Expenses of Successful Party. Notwithstanding any other
provisions of this Agreement, to the extent that Indemnitee has been successful on
the merits or otherwise, in defense of any Proceeding or in defense of any claim, issue
or matter therein, including the dismissal of an action without prejudice,
Indemnitee shall be indemnified against all Expenses incurred in connection therewith.   

          6.
Advances of Expenses. The Expenses incurred by Indemnitee pursuant to Paragraphs
3 and 4 in any Proceeding shall be paid by the Company in advance at the written request
of Indemnitee, if Indemnitee shall undertake to repay such amount to the extent that it
is ultimately determined that Indemnitee is not entitled to indemnification.   

          7.
Right of Indemnitee to Indemnification Upon Application; Procedure Upon
Application. Any indemnification or advance under Paragraphs 3, 4, and/or 6
hereof shall be made no later than 45 days after receipt of the written request of
Indemnitee, unless a determination is made within such 45 day period by (a) the Board
of Directors of the Company by a majority vote of a quorum thereof consisting of
directors who were not parties to such Proceedings, or (b) independent legal counsel
in a written opinion (which counsel shall be appointed if such a quorum is not
obtainable), that Indemnitee has not met the relevant standards for indemnification
set forth in Paragraphs 3 and 4.   

          The
right to  indemnification  or advances as provided by this Agreement shall be enforceable
by Indemnitee in any court of competent  jurisdiction.  The burden of proving  that
 indemnification  or advances  are not  appropriate  shall be on the  Company. Neither
the failure of the Company  (including  its Board of Directors or independent  legal
 counsel) to have made a  determination prior to the commencement of such action that
 indemnification  or advances are proper in the circumstances  because  Indemnitee has
met the  applicable  standard  of  conduct,  nor an  actual  determination  by the
 Company  (including  its Board of  Directors  or independent legal counsel) that
Indemnitee has met such applicable  standard of conduct,  shall be a defense to the
action or create a presumption  that Indemnitee has not met the applicable  standard of
conduct.  Indemnitee’s  Expenses  incurred in connection with successfully  establishing
 his right to  indemnification  or advances,  in whole or in part, in any such
 Proceeding  shall also be indemnified by the Company.  

3  

	

Exhibit 10(sss)  

          8.
Indemnification Hereunder Not Exclusive. The indemnification provided by this
Agreement shall not be deemed exclusive of any other rights to which Indemnitee may
be entitled under the Company’s Articles of Incorporation, Bylaws, or another
capacity while holding such office. The indemnification under this Agreement shall
continue as to Indemnitee even though he may have ceased to be a director and/or
officer of the Company and shall inure to the benefit of the heirs and personal
representatives of Indemnitee.   

          9.
Partial Indemnification. If Indemnitee is entitled under any provision of this
Agreement to indemnification by the Company for some or a portion of the Expenses,
judgments, fines or penalties actually and reasonably incurred by him in the
investigation, defense, appeal or settlement of any Proceeding but not, however, for
the total amount thereof, the Company shall nevertheless indemnify Indemnitee for the
portion of such Expenses, judgments, fines or penalties to which Indemnitee is entitled.   

          10.
Presumption of Indemnification. For purposes of this Agreement, determination
of any Proceeding, suit or proceeding by any means shall not create a presumption that
Indemnitee did not meet any particular standard of conduct; act in the best interests
of the Company; have any particular belief; or that a court has determined that
indemnification is not permitted by applicable law.   

          11.
Liability Insurance. To the extent that Company maintains an insurance policy or
policies providing directors’ and officers’ liability insurance, Indemnitee shall be
covered by such policy or policies, in accordance with its or their terms, to the
maximum extent of the coverage available for any director and/or officer of the Company.   

          IN
WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed as of the
date first above written.  

	 	FPIC INSURANCE GROUP, INC.
   
	 	By 	 

———————————————

John R. Byers,

President and Chief Executive Officer 
	 	 
INDEMNITEE:
   
	 	By 	 

———————————————

Kenneth M. Kirschner 

	

4

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