Document:

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                                                                   Exhibit 10.19

                   WAIVER, DIRECTION AND AMENDMENT NUMBER ONE

                                       RE:
      THE KROLL-O'GARA COMPANY, O'GARA-HESS & EISENHARDT ARMORING COMPANY,
                 KROLL HOLDINGS, INC and KROLL ASSOCIATES, INC.
                                   $40,000,000
      SECOND AMENDED AND RESTATED LOAN AGREEMENT DATED AS OF MARCH 30, 2001

                                                      Dated as of April 20, 2001

THE KROLL-O'GARA COMPANY
9113 LeSaint Drive
Fairfield, Ohio  45014

To:  KeyBank National Association

Ladies and Gentlemen:

         Reference is made to the Second Amended and Restated Revolving Credit
Note (the "NOTE") of The Kroll-O'Gara Company, O'Gara-Hess & Eisenhardt Armoring
Company, Kroll Holdings, Inc and Kroll Associates, Inc. (together with their
successors and assigns, the "COMPANY"), in the aggregate principal amount of
$40,000,000 outstanding under the Second Amended and Restated Loan Agreement
dated as of March 30, 2001 (collectively, the "LOAN AGREEMENT"), between the
Company and KeyBank National Association (the "BANK"). All terms not otherwise
defined herein are used with the same meaning as set forth in the Loan
Agreement. Pursuant to a Stock Purchase Agreement (the "STOCK PURCHASE
AGREEMENT") in the form attached hereto as ANNEX 1, the Company intends to
consummate a transaction (the "STOCK SALE") whereby the Company will sell, and
Armor Holdings, Inc., and Bengal Acquisition Corp will purchase, the Securities
(as described in the Stock Purchase Agreement) of the Company. The Company
hereby requests that the Bank waive certain rights under the Loan Agreement and
instruct the Collateral Agent to release certain collateral, all as more
particularly set forth herein.

         1. WAIVER AND DIRECTION. Subject to the terms and conditions set forth
in Section 3 hereof, and based upon information furnished by the Company to the
Bank, the Bank hereby (a) agrees to waive its rights to take any action under
the Loan Agreement as a result of any Event of Default resulting from the
Company's failure to comply with Section 7.13 of the Loan Agreement due solely
to the Stock Sale and (b) instructs the Collateral Agent to release its Lien on
the assets and stock of the corporations whose stock is which are the subject of
the Stock Sale contemporaneously with the closing of the Stock Sale.

         2. AMENDMENT TO INTEREST RATE.

                  (a) Effective April 20, 2001, the Rate of interest payable
         under the Note will be the Note Interest Rate. As used herein, "NOTE
         INTEREST RATE" means, as of any date of determination, a rate per annum
         equal to (a) if such date is prior to April 20, 2001, the greater of:
         (i) 8.56% or (ii) the Prime Rate plus one and one-half percent (1.50%)
         and (b) if such date is on or after April 20, 2001, the greater of: (i)
         8.56% or (ii) the lesser of (A) the highest interest rate allowed by
         applicable law on the Note and (B) the Prime Rate PLUS one and one-half
         of one percent (1.50%) plus the Applicable Adjustment Margin as of such
         date."

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                  (b) Effective April 20, 2001, Section 14 of the Loan Agreement
         is hereby amended by adding the following definition in appropriate
         alphabetical order:

                  "APPLICABLE ADJUSTMENT MARGIN - means, as of any date of
         determination, an amount equal to the product of (a) one-half of one
         percent (0.50%) TIMES (b) the number of complete 30 consecutive day
         periods which shall have expired since April 20, 2001 as of such date
         of determination."

         3.       EFFECTIVENESS OF WAIVER AND DIRECTION; EFFECT UPON OTHER
                  PROVISIONS OF THE LOAN AGREEMENT AND THE NOTE.

                  (a) The waiver and direction set forth in Section 1 above is
         subject to satisfaction of each of the following conditions:

                           (i) the full execution and the delivery of this
                  letter agreement by the Company and the Bank;

                           (ii) contemporaneously with the closing of the Stock
                  Sale, the Company shall prepay, pursuant to the Loan
                  Agreement, the Note in an aggregate principal amount of not
                  less than the greater of (A) $19,876,500 and (B) and amount
                  equal to 56.79% of: (1) the cash portion of the purchase price
                  actually received at the closing by the Seller (as defined in
                  the Stock Purchase Agreement) under the Stock Purchase
                  Agreement minus (2) $3,000,000;

                           (iii) the execution, delivery and effectiveness of an
                  agreement, signed by Noteholders under the Note Purchase
                  Agreement in form and substance acceptable to the Bank
                  containing (A) a waiver on behalf of the Noteholders,
                  identical in substance to the waiver set forth in Section 1
                  hereof, with respect to Section 8.19 of the Note Purchase
                  Agreement and (B) a direction to the Collateral Agent
                  identical in substance to the direction set forth in Section 1
                  hereof;

                           (iv) the warranties and representations contained in
                  Section 4 hereof being true on and as of the date hereof.;

                           (v) any and all shares of capital stock of Armor
                  Holdings, Inc. ("AHI") or any other Person received by the
                  Company or any of its Affiliates in connection with the Stock
                  Sale shall have been pledged to the Collateral Agent pursuant
                  to a pledge agreement in form and substance reasonably
                  satisfactory to the Noteholders and the Bank and such shares
                  will be released by the Collateral Agent upon sales by the
                  Company pursuant to the terms of the Purchase Agreement; and

                           (vi) the closing of the Stock Sale shall have been
                  completed on or before the Termination (as such term is
                  defined in the Stock Purchase Agreement).

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                  (b) The Company agrees that the waiver set forth in
         Section 1(a) shall remain in effect if and so long as the Company

                           (i) prepays, pursuant to the provisions of Section 3
                  of the Note, the following principal amounts of Note:

                                    (A) upon receipt by the Company of any
                  proceeds from the sale of shares of capital stock of AHI or
                  payments made by AHI as Tranche One Deficit or Tranche One
                  Excess amounts pursuant to the provisions of Section 3 of
                  Schedule 2.6 of the Stock Purchase Agreement, in each case
                  received as consideration by it in connection with the Stock
                  Sale a principal amount of the Note equal to 56.79% of such
                  proceeds or amounts as the case may be, and

                                    (B) within sixty (60) days of the closing of
                  the Stock Sale, a principal amount of Note equal to the
                  difference (if a positive number) between (1) $8,518,500 and
                  (2) an amount equal to 56.79% of the aggregate proceeds
                  received by the Company from each sale of one or more shares
                  of such capital stock of AHI within the sixty (60) day period
                  immediately following the closing of the Stock Sale and paid
                  by the Company pursuant to clause (A) above;

                           (ii) On or before sixty (60) days immediately
                  following the closing of the Stock Sale the Company pays in
                  full the entire outstanding principal amount of the Note
                  together with interest thereon.

                  (c) It is further agreed and understood that (i) the amounts
         contemplated to be so paid shall be considered due and payable on each
         of such dates and (ii) the failure of the Company to pay the amounts
         due on the Note as provided in clause (b) above shall constitute an
         immediate Event of Default.

                  (d) The execution, delivery and effectiveness of this letter
         agreement shall not be deemed, except as expressly provided herein, (i)
         to operate as a waiver of any right, power or remedy of the Bank under
         the Loan Agreement or the Note, nor constitute a waiver of any
         provision thereunder, or (ii) to prejudice any rights which the Bank
         now has or may have in the future under or in connection with the Loan
         Agreement, the Note or any other documents referred to therein. Except
         as specifically set forth above, all terms and conditions of the Loan
         Agreement shall remain unchanged and in full force and effect.

         4. WARRANTIES AND REPRESENTATIONS. To induce you to enter into this
letter agreement, the Company warrants and represents, as of the date hereof, as
follows:

                  (a) No Default or Event of Default has occurred or is
         continuing (other than the Event of Default which will be waived by the
         execution, delivery and effectiveness of this letter agreement and the
         agreements described in Section 3 hereof), nor does any event or
         condition exist that, upon the execution, delivery and effectiveness of
         this letter agreement, would constitute a Default or an Event of
         Default; and

                  (b) Except for an amendment to the interest rate in the Note
         Purchase Agreement

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         which is the same as the amendment set forth in Section 2 above, the
         Noteholders will not receive, directly or indirectly, any fee, interest
         rate adjustment or other remuneration for the waiver or direction under
         the agreement described in Section 3(a)(iii) hereof.

                  (c) The assets of the corporations whose stock is the subject
         of the Stock Purchase Agreement are the assets (other than the Excluded
         Assets) of the Company's Security Products and Services Group described
         in the Company's Preliminary Proxy Statement filed September 19, 2000
         with the Securities and Exchange Commission. Excluded Assets means the
         assets and capital stock of Securify, Inc., O'Gara Laura Automotive
         Group, O'Gara Security Systems, O'Gara-Hess & Eisenhardt CIS and
         certain other entities that have no assets or business operations.

         5. PAYMENT OF FEES AND EXPENSES. In accordance with Section 11 of the
Loan Agreement, the Company shall pay or, if paid by the Bank, reimburse the
Bank for, all out-of-pocket fees, costs and expenses paid or incurred by the
Bank in connection with the negotiation, preparation, drafting, implementation,
actual or proposed amendment or modification, administration and enforcement of
this letter agreement, the Loan Agreement and the Note.

         6. COUNTERPARTS. This letter agreement and all acceptances hereof may
be executed simultaneously in any number of counterparts, each of which shall be
deemed an original, with the same effect as if the signatures thereto and hereto
were upon the same instrument.

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                                             Very truly yours,

                                             THE KROLL-O'GARA COMPANY

                                             By:
                                                ----------------------------
                                             Name:
                                             Title:

ACCEPTED AND AGREED:

KEYBANK NATIONAL ASSOCIATION

         By:
             ---------------------------
         Name:
         Title:

                                   Annex 1-1

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                                     ANNEX 1

                            ASSET PURCHASE AGREEMENT
                            ------------------------

                                   Annex 1-2<PAGE>   1

                                                                   EXHIBIT 10.6

                                    AGREEMENT

         THIS AGREEMENT, made and entered into this _______ day of
_______________, 2001, by and between WESBANCO BANK, INC., hereinafter referred
to as "Bank" and MICHAEL H. HUDNALL, hereinafter referred to as "Employee", and
WESBANCO, INC., a West Virginia corporation, hereinafter referred to as
"Wesbanco".

         WHEREAS, Employee is serving as an executive officer of the Bank as of
the date hereof; and

         WHEREAS, the Bank wishes to assure itself of the Employee's full time
employment and continuing services in an executive capacity.

         WITNESSETH THAT: In consideration of the mutual promises and
undertakings hereinafter set forth, the parties hereto agree as follows:

         1. OFFER OF EMPLOYMENT. The Bank agrees to, and hereby does, continue
the employment of Employee at Bank in an executive capacity. In that capacity,
Employee shall be answerable to the Board of Directors of the Bank and such
other officers of Wesbanco, the parent company of the Bank, as the Board of
Directors of Wesbanco shall direct. Employee shall perform such duties,
compatible with his employment under the Agreement, as the Bank, and Wesbanco,
from time to time may assign to him.

         2. COMPENSATION. As compensation for the performance of the services
specified in Paragraph (1) and the observance of all of the provisions of this
Agreement, the Bank agrees to pay Employee, and Employee agrees to accept, the
following amounts and benefits during his term of employment:

                  (A) Salary at a rate to be determined by the Board of
         Directors of the Bank, with notice to be given to employee in April of
         each calendar year, but in no event shall Employee's salary be less
         than $________ per year, plus any increases granted by the Board of
         Directors after the date hereof, and payable in equal biweekly
         installments; and

                  (B) Such other miscellaneous benefits and perquisites as the
         Bank provides to its executive employees generally.

         3. ACCEPTANCE OF EMPLOYMENT. Employee accepts the employment provided
for herein, at the salary set forth above, and agrees to devote his talents and
best efforts to the diligent, faithful, and efficient discharge of the duties of
his employment, and in furtherance of the operations and best interests of Bank,

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and observe and abide by all rules and regulations promulgated by Bank for the
guidance and direction of its employees and the conduct of its business,
operations, and activities.

         4. TERM OF AGREEMENT. The employment term provided for herein shall
consist of a revolving period of three years, with the initial term beginning on
the ____ day of __________, ______, and ending on the ____ day of ___________,
_____. The term of this Agreement shall automatically be extended on each
anniversary of the beginning date of the term hereof for an additional one year,
thereby creating a new three year term, unless written notice of termination
hereof is given by either party at least ninety (90) days prior to the
anniversary date of the beginning date of this Agreement. Any such notice of
non-renewal shall not affect the continuation of the term of this Agreement
existing at the time of such non-renewal.

         5. CONFIDENTIALITY. Employee agrees that such information concerning
the business, affairs, and records of Bank as he may acquire in the course of,
or as incident to, his employment hereunder, shall be regarded and treated as
being of a confidential nature, and that he will not disclose any such
information to any person, firm, or corporation, for his own benefit or to the
detriment of Bank, during the term of his employment under this Agreement or at
any time following the termination thereof.

         6. MISCELLANEOUS BENEFITS. This Agreement is not intended, and shall
not be deemed to be in lieu of any rights, benefits, and privileges to which
Employee may be entitled as an Employee of Bank under any retirement, pension,
profit sharing, insurance, hospital, bonus, vacation, or other plan or plans
which may now be in effect or which may hereafter be adopted by Bank, it being
understood that Employee shall have the same rights and privileges to
participate in such plans and benefits, as any other employee, during the period
of his employment.

         7. BINDING EFFECT. This Agreement shall inure to the benefit of and be
binding upon Bank's successors and assigns, including, without limitation, any
company or corporation which may acquire substantially all of Bank's assets or
business, or with, or into which Bank may be merged or otherwise consolidated.

         8. TERMINATION. The Employee's employment hereunder shall terminate
upon the earliest to occur of any one of the following:

                  (A) The expiration of the initial term of this Agreement, or
         any extended term of this Agreement by written notice of termination as
         provided in Paragraph (4) hereof; or

                  (B) By the Bank for cause, after thirty (30) days written
         notice to Employee. Cause for purposes of this Agreement shall mean as
         follows:

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                           (i) An act of dishonesty, willful disloyalty or fraud
                  by the Employee that the Bank determines is detrimental to the
                  best interests of the Bank; or

                           (ii) The Employee's continuing inattention to,
                  neglect of, or inability to perform, the duties to be
                  performed under this Agreement, or

                           (iii) Any other breach of the Employee's covenants
                  contained herein or of any of the other terms and provisions
                  of this Agreement, or

                           (iv) The deliberate and intentional engaging by the
                  Employee in gross misconduct which is materially and
                  demonstrably injurious to the Bank.

                  (C) Employee shall have the right to terminate this Agreement
         and his active employment hereunderat any time upon ninety (90) days
         written notice to the Bank.

                  (D) Upon the death of Employee, this Agreement shall
         automatically terminate.

         9. EFFECT OF TERMINATION. In the event of a termination of this
Agreement, Employee shall be paid the following severance benefits, payable
promptly after the date of termination of his employment, in the following
manner:

                  (A) In the event that this Agreement is terminated by the
         death of Employee, this Agreement shall be deemed to have been
         terminated as of the date of such death except, however, that Bank
         shall pay to the surviving spouse of Employee, or in lieu thereof, to
         Employee's estate, an amount equal to six months of the base salary at
         his then current base rate, provided, however, that if such death
         occurs within six months of the normal retirement date as provided by
         the Bank's defined benefit pension plan, or after such normal
         retirement date, so that a pension distribution or benefit is payable
         to the surviving spouse of Employee, such payment shall be reduced to
         an amount equal to one month of the base salary at his then current
         base rate.

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                  (B) In the event that this Agreement is terminated by Employee
         and Bank by mutual agreement, then Bank shall pay such severance
         benefits, if any, as shall have been agreed upon by Bank and Employee.

                  (C) In the event that Bank attempts to terminate this
         Agreement, other than for cause, death of Employee, or by mutual
         agreement with Employee, in addition to any other rights or remedies
         which Employee may have, Employee shall receive an amount equal to the
         greater of (i) six months of base salary at his then current base rate,
         or (ii) the base salary Employee would have received had he continued
         to be employed pursuant to this Agreement throughout the end of the
         then existing term of employment hereunder.

                  (D) In the event Bank terminates this Agreement for cause, no
         severance benefits shall be payable hereunder.

         10. ENTIRE UNDERSTANDING; AMENDMENT. This Agreement supersedes all
previous agreements between Employee and Bank and contains the entire
understanding and agreement between the parties with respect to the subject
matter hereof, and cannot be amended, modified, or supplemented in any respect
except by a subsequent written agreement executed by both parties.

         11. APPLICABLE LAW. This Agreement shall be governed by and construed
in accordance with the laws of the State of West Virginia.

         12. CERTAIN OBLIGATIONS OF WESBANCO. While the parties acknowledge that
certain provisions of this Agreement may be unenforceable in some respects
against the Bank, pursuant to applicable banking law, it is nonetheless the
intention of the parties to create pursuant to this Agreement a valid employment
for a definite term with specified benefits. As an inducement for Employee and
Bank to enter into this Agreement whereby Employee would be employed by Bank for
a definite term, Wesbanco hereby undertakes the independent, separate and
unconditional obligation to Employee to pay all amounts which are or may become
due to Employee under this Agreement as set forth herein, regardless of the
status of the direct or indirect enforceability or validity of Bank's obligation
to pay any or all such amounts as may be due hereunder to Employee; provided,
however, that for purposes of this Paragraph 12, Wesbanco shall be obligated to
the Employee for any bonuses or any increases in base salary in excess of the
rate of $_________ per annum only to the extent that it has consented to such
bonuses or increases. Wesbanco also acknowledges that it may or may not be
entitled to indemnification or contribution from

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Bank or to be subrogated to the claim of Employee hereunder for any payments
Wesbanco may make to Employee; and Wesbanco hereby specifically waives any
rights it may otherwise have to indemnification or contribution from Bank or to
be subrogated to the claim of Employee hereunder in the event that such payments
as are made by Wesbanco would be unenforceable or invalid for any reason against
Bank.

         13. MISCELLANEOUS. The invalidity or unenforceability of any term or
provision of this Agreement as against any one or more parties hereto, shall not
impair or effect the other provisions hereof or the enforceability of said term
or provision against the other parties hereto, and notwithstanding any such
invalidity or unenforceability, each term or provision hereof shall remain in
full force and effect to the full extent consistent with law.

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         IN WITNESS WHEREOF, Bank and Wesbanco have caused these presents to be
signed and their corporate seals to be hereto affixed, and Employee has hereto
affixed his signature and seal, at ______________, _______________, as of the
day and year first above written.

                                             WESBANCO BANK, INC.

                                             By
                                                -------------------------------
                                                     Its
                                                         ----------------------

(SEAL)

ATTEST:

-----------------------------
        Secretary

                                                                          (SEAL)
                                             ----------------------------
                                             MICHAEL H. HUDNALL

                                              WESBANCO, INC.

                                             By
                                                -------------------------------
                                                     Its
                                                         ----------------------

(SEAL)

ATTEST:

-----------------------------
        Secretary

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