Document:

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                                                                    EXHIBIT 10.6

                      FIRST AMENDMENT TO LETTER AGREEMENT

    THIS FIRST AMENDMENT TO LETTER AGREEMENT (the "First Amendment") is made to
be effective as of February 2, 2001, and is by and between STERLING BANCSHARES,
INC., a Texas corporation (the "Borrower") and WELLS FARGO BANK MINNESOTA,
NATIONAL ASSOCIATION, formerly known as Norwest Bank Minnesota, National
Association, a national banking association (the "Bank").

    REFERENCE IS HEREBY MADE to that certain Letter Agreement dated February 2,
2000 (the "Agreement") made by and between the Borrower and the Bank. Terms not
otherwise defined in this First Amendment shall have the meanings ascribed to
them in the Agreement.

    WHEREAS, pursuant to the provisions of the Agreement, the Bank is the holder
of that certain  promissory note dated February 2, 2000 (the "Note") made by the
Borrower in the face amount of $20,000,000.00 and payable to Bank, which Note
evidences Borrower's obligations under that certain revolving line of credit
(the "Line") provided the Borrower by the Bank;

    WHEREAS, the Borrower has requested Bank to renew the Line and
correspondingly the Note for an additional twelve (12) months, to February 2,
2002; and,

    WHEREAS, Bank is willing to grant the Borrower's request, subject to the
provisions of this First Amendment;

    NOW, THEREFORE, in consideration of the premises and of the mutual
agreements herein, the parties agree as follows:

    1. Section 1 of the Agreement is hereby amended by changing the date
referenced therein as the "Termination Date" from "February 2, 2001" to
"February 2, 2002".

     2. Simultaneously with the execution of this First Amendment, the Borrower
shall execute and deliver to the Bank, in form and content acceptable to the
Bank, a new promissory note (which, for purposes of this First Amendment only,
shall be referred to herein as the "New Note") in the face amount of
$20,000,000.00. Upon the execution and delivery to the Bank of the New Note, the
outstanding principal of, and accrued but unpaid interest on, the Note shall be
deemed, respectively, the outstanding principal balance of, and accrued but
unpaid interest on, the New Note. The New Note shall replace, but shall not be
deemed payment or satisfaction of, the Note. Furthermore, the New Note shall be
subject to the terms and conditions of the Agreement as amended hereby; and, all
references in the Agreement to the "Note" shall be deemed to mean the New Note
as provided for herein.

     3. The Borrower hereby represents and warrants to the Bank as follows:

        A. The Agreement and Note constitute valid, legal and binding
           obligations owed by the Borrower to Bank, subject to no
           counterclaim, defense, offset, abatement or recoupment.

        B. As of the date of this First Amendment, no Event of Default under the
           Agreement has occurred and is continuing that, with the giving of
           notice or the passage of time or both, would be an Event of Default.
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Sterling Bancshares, Inc.
First Amendment To Letter Agreement
February 2, 2001

        C. The execution, delivery and performance of this First Amendment and
           the New Note by the Borrower are within its powers, have been duly
           authorized and are not in contravention of law or the terms of
           Borrower's articles of incorporation or by-laws, or of any
           undertaking to which the Borrower is a party or by which it is bound.

        D. As of the date of this First Amendment, all of the representations
           and warranties contained in Subsections A,B,G, I and J of Section 11
           of the Agreement are true and correct.

        E. As of the date of this First Amendment, the outstanding principal
           balance of the Note is $0.00.

     4. Except as expressly modified by this First Amendment, the Agreement
remains unchanged and in full force and effect.

IN WITNESS WHEREOF, the parties hereto have executed this First Amendment as of
the date first  written above.

                                     WELLS FARGO BANK MINNESOTA,
                                      NATIONAL ASSOCIATION

                                     By: /s/ William K. Klein
                                         --------------------------------------
                                     Its: Vice President
                                         --------------------------------------

THIS WRITTEN FIRST AMENDMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES
AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT
ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN
THE PARTIES.

STERLING BANCSHARES, INC.

By: /s/ George Martinez
   --------------------------------------
Its: Chairman
   --------------------------------------

            THE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK

                                       2
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Sterling Bancshares, Inc.
First Amendment To Letter Agreement
February 2, 2001

ACKNOWLEDGMENT AND CONSENT:
--------------------------

The undersigned Guarantor hereby consents to the foregoing First Amendment, and
acknowledges that its Guaranty shall remain in full force and effect for so long
as the Line is outstanding. Pursuant to said Guaranty, the undersigned
absolutely and unconditionally guarantees, among other things, the payment of
all indebtedness evidenced by the Note, and all extensions, modifications,
renewals and replacements thereof.

STERLING BANCORPORATION, INC.

By: /s/ George Martinez
   -----------------------------
Its: Chairman
    ----------------------------

                                       3EXECUTION COPY

                                  FIRST AMENDMENT

          FIRST AMENDMENT, dated as of August 3, 2000 (this "Amendment"), to the
Credit Agreement, dated as of July 21, 2000 (as amended, supplemented or
otherwise modified from time to time, the "Credit Agreement"), among BorgWarner
Inc., a Delaware corporation (the "Borrower"), the several lenders from time to
time parties thereto (the "Lenders"), The Chase Manhattan Bank, as
administrative agent for the Lenders (in such capacity, the "Administrative
Agent"), Chase Securities Inc. and Banc of America Securities LLC, as joint lead
arrangers and joint book managers (each in such capacity, a "Co-Arranger"), Bank
of America, N.A., as syndication agent (in such capacity, the "Syndication
Agent") and Bank One, NA, as documentation agent (in such capacity, the
"Documentation Agent").

                                W I T N E S S E T H:

     WHEREAS, the Borrower, the Lenders and the Administrative Agent are parties
to the Credit Agreement; and

     WHEREAS, the Borrower has requested, and the Administrative Agent and the
Required Lenders have agreed to certain modifications as set forth herein;

     NOW, THEREFORE, in consideration of the premises and of the mutual
agreements herein contained, the parties hereto hereby agree as follows:

     1.   Defined Terms.  Terms defined in the Credit Agreement and used herein
shall, unless otherwise indicated, have the meanings given to them in the Credit
Agreement.

     2.   Amendment to Section 6.02(i) of the Credit Agreement.  Section 6.02(i)
of the Credit Agreement is hereby amended and restated in its entirety as
follows:

     "(i) Guarantees permitted by Section 6.05."

     3.   Amendment to Section 6.08 of the Credit Agreement.  Clause (iii) of
Section 6.08 of the Credit Agreement is hereby amended and restated in its
entirety as follows:

     "(iii) the foregoing shall not apply to restrictions and conditions in the
agreement identified on Schedule 6.08 (but shall apply to any extension or
renewal of, or any  amendment or modification expanding the scope of, any such
restriction or condition after such agreement is entered into),"

     4.   Effectiveness.  This Amendment shall become effective as of the date
hereof when the Administrative Agent shall have received counterparts hereof
duly executed by the Borrower, the Administrative Agent and the Required
Lenders.

     5.   Representations and Warranties.  The Borrower hereby represents and
warrants that each of the representations and warranties made by it in or
pursuant to the Credit Agreement shall be, after giving effect to this
Amendment, true and correct in all material respects, as if made on and as of
the date hereof (unless such representations and warranties are stated to relate
to an earlier date, in which case such representations and warranties shall be
true and correct in all material respects as of such earlier date).

     6.   Continuing Effect of Credit Agreement.  This Amendment shall not be
construed as a waiver or consent to any further or future action on the part of
the Borrower that would require a waiver or consent of the Administrative Agent
and/or the Lenders.  Except as amended hereby, the provisions of the Credit
Agreement are and shall remain in full force and effect.

     7.   Counterparts.  This Amendment may be executed by one or more of the
parties hereto in any number of separate counterparts (which may include
counterparts delivered by facsimile transmission) and all of said counterparts
taken together shall be deemed to constitute one and the same instrument.  Any
executed counterpart delivered by facsimile transmission shall be effective as
for all purposes hereof.

     8.   GOVERNING LAW.  THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED AND
INTERPRETED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.

     9.   Expenses.  The Borrower agrees to pay or reimburse the Administrative
Agent for all of its out-of-pocket costs and expenses incurred in connection
with the preparation, negotiation and execution of this Amendment, including,
without limitation, the reasonable fees and disbursements of counsel to the
Administrative Agent.

     IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
duly executed by their respective authorized officers as of the day and year
first above written.

                         BORGWARNER INC.,

                         by
                         Name:
                         Title:

                         THE CHASE MANHATTAN BANK, individually and as
                         Administrative Agent,

                         by
                         Name:
                         Title:

                         BANK OF AMERICA, N.A., individually and as Syndication
                         Agent.

                         by
                         Name:
                         Title:

                         BANK ONE, NA (MAIN OFFICE CHICAGO), individually and as
                         Documentation Agent

                         by
                         Name:
                         Title:

                         CITIBANK, N.A.

                         By:
                         Name:
                         Title:

                         CREDIT LYONNAIS CHICAGO BRANCH

                         by
                         Name:
                         Title:

                         DEUTSCHE BANK AG NEW YORK BRANCH AND/OR CAYMAN ISLANDS
                         BRANCH

                         by
                         Name:
                         Title:

                         by
                         Name:
                         Title:

                         FIRST UNION NATIONAL BANK

                         by
                         Name:
                         Title:

                         THE FUJI BANK LIMITED

                         by
                         Name:
                         Title:

                         THE INDUSTRIAL BANK OF JAPAN LIMITED, CHICAGO BRANCH

                         by
                         Name:
                         Title:

                         THE SUMITOMO BANK, LIMITED

                         by
                         Name:
                         Title:

                         WACHOVIA BANK, N.A.

                         by
                         Name:
                         Title:

                         BANCA DI ROMA, CHICAGO BRANCH

                         by
                         Name:
                         Title:

                         by
                         Name:
                         Title:

                         THE BANK OF NEW YORK

                         by
                         Name:
                         Title:

                         THE BANK OF TOKYO-MITSUBISHI, LTD., CHICAGO BRANCH

                         By
                         Name:
                         Title:

                         BARCLAYS BANK PLC

                         by
                         Name:
                         Title:

                         MELLON BANK, N.A.

                         by
                         Name:
                         Title:

                         THE NORTHERN TRUST COMPANY

                         by
                         Name:
                         Title:

                         SANPAOLO IMI S.P.A.

                         by
                         Name:
                         Title:

                         by
                         Name:
                         Title:

                         CREDIT SUISSE FIRST BOSTON

                         by
                         Name:
                         Title:

                         by
                         Name:
                         Title:

                         DRESDNER BANK AG, NEW YORK AND GRAND CAYMAN BRANCHES

                         by
                         Name:
                         Title:

                         by
                         Name:
                         Title:

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