Document:

<PAGE>   1

                                                                    Exhibit 4(e)

                           OMNIBUS AMENDMENT NO. 1 AND
                           ---------------------------
                       AMENDMENT NO. 1 TO CREDIT AGREEMENT
                       -----------------------------------

                  OMNIBUS AMENDMENT NO. 1 AND AMENDMENT NO. 1, dated as of
February 4, 2000, to the Credit Agreement, dated as of January 27, 2000 (the
"CREDIT AGREEMENT"), among (a) REGENT BROADCASTING, INC., a Delaware corporation
(the "BORROWER"), (b) REGENT COMMUNICATIONS, INC., a Delaware corporation (the
"PARENT COMPANY" and, together with the Borrower, collectively, the "PRINCIPAL
COMPANIES" and, singly, a "PRINCIPAL COMPANY"), (c) the several financial
institutions from time to time party to the Credit Agreement as lenders
thereunder ("LENDERS"), and (d) FLEET NATIONAL BANK, as Administrative Agent for
the Lenders (the "ADMINISTRATIVE AGENT"), FLEET NATIONAL BANK, as Issuing
Lender, GE CAPITAL COMMERCIAL FINANCE, INC., as Syndication Agent for the
Lenders, and DRESDNER BANK AG, NEW YORK AND GRAND CAYMAN BRANCHES, as
Documentation Agent for the Lenders.

                                    RECITALS
                                    --------

                  The Borrower, the Parent Company, the Lenders and the
Administrative Agent have agreed to amend certain of the provisions contained in
the Loan Documents and the Credit Agreement, all as set forth in or required by
this Omnibus Amendment No. 1 and Amendment No. 1 ("THIS AGREEMENT").

                  Accordingly, the parties hereto hereby agree as follows:

                                    ARTICLE I

                                   DEFINITIONS
                                   -----------

         SECTION 1.1. DEFINITIONS IN CREDIT AGREEMENT. Unless otherwise defined
herein, terms defined in the Credit Agreement (as amended hereby) are used
herein as therein defined.

                                   ARTICLE II

                             AMENDMENTS AND WAIVERS
                             ----------------------

         Effective on and as of February 4, 2000 ("EFFECTIVE DATE"), and subject
always in any event to the provisions of ARTICLE III hereof:

         SECTION 2.1. AMENDMENT TO THE LOAN DOCUMENTS. For each of the Loan
Documents, any and all references to "GE Capital Commercial Finance, Inc." shall
be

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                                      -2-

deemed to be references to "General Electric Capital Corporation". Each of the
Loan Documents is hereby further amended MUTATIS MUTANDIS as appropriate to
reflect the correct name for General Electric Capital Corporation.

         SECTION 2.2. NEW DEFINED TERMS. SECTION 1.1 of the Credit Agreement is
hereby further amended by adding thereto each of the following new defined
terms:

                    "AMENDMENT NO. 1" means Omnibus Amendment No. 1 and
               Amendment No. 1 to Credit Agreement, dated as of February 4,
               2000, among the Borrower, the Parent Company, the Lenders and the
               Administrative Agent, and upon the terms of which each of the
               parties hereto has agreed to amend this Agreement.

                    "AMENDMENT NO. 1 EFFECTIVE DATE" means February 4, 2000, the
               so-called "Effective Date" of Omnibus Amendment No. 1 and
               Amendment No. 1 to Credit Agreement.

         SECTION 2.3. AMENDMENT OF SECTION 2.1(a). SECTION 2.1(a) of the Credit
Agreement is amended by amending and restating subsection (a) to read in its
entirety as follows:

                  "(a) THE REVOLVING LOANS. Each Lender severally agrees, on the
         terms and conditions hereinafter set forth, to make Revolving Loans to
         the Borrower from time to time on any Business Day during the period
         from the Closing Date to the Revolving Commitment Termination Date, in
         an aggregate amount not to exceed at any time outstanding the amount of
         such Lender's Revolving Commitment less such Lender's pro rata share of
         the aggregate amount of all of the outstanding Letter of Credit
         Obligations, and in a combined amount for all Lenders not to exceed at
         any time outstanding $125,000,000; PROVIDED, HOWEVER, that, immediately
         after giving effect to any Borrowing of Revolving Loans, the SUM of the
         aggregate principal amount of all of the outstanding Revolving Loans,
         PLUS the aggregate amount of all of the outstanding Letter of Credit
         Obligations shall not exceed the Aggregate Revolving Commitment then in
         effect. Within such limits, and subject to the other terms and
         conditions hereof, the Borrower may borrow Revolving Loans under this
         SECTION 2.1(a), prepay Revolving Loans pursuant to SECTION 2.6, 2.7(a)
         or 2.7(d) and reborrow Revolving Loans pursuant to this SECTION
         2.1(a)."

         SECTION 2.4. AMENDMENT OF SECTION 2.4(a). SECTION 2.4(a) of the Credit
Agreement is amended by amending and restating the proviso to read in its
entirety as follows:

         "PROVIDED, HOWEVER, that, if any Borrowing comprised of Eurodollar
         Loans shall have been reduced, by payment, prepayment or conversion, to
         an amount that is less than $500,000 then the Eurodollar Loans
         comprising such Borrowing shall automatically convert into Base Rate
         Loans on the last day of the then-current Interest Period relating
         thereto."

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                                      -3-

         SECTION 2.5. AMENDMENT OF SECTION 3.1. SECTION 3.1 of the Credit
Agreement is amended by

         (a)  amending and restating subsection (a) to read in its entirety as
 follows:

                           "(a) On the terms and conditions set forth herein (i)
                  the Issuing Lender agrees (A) from time to time, on any
                  Business Day during the period from the Closing Date to the
                  date which is thirty (30) days prior to the Maturity Date to
                  issue Letters of Credit for the account of the Borrower, and
                  to amend or renew Letters of Credit previously issued by it,
                  in accordance with SECTIONS 3.2(b) and SECTION 3.2(d), and (B)
                  to honor drafts under the Letters of Credit; and (ii) the
                  Lenders severally agree to participate in Letters of Credit
                  issued for the account of the Borrower; PROVIDED, HOWEVER,
                  that the Issuing Lender shall not issue or extend any Letter
                  of Credit if as of the date of, and immediately after giving
                  effect to, the issuance or extension of such Letter of Credit:
                  (1) there shall be continuing any Event of Default of which
                  the Issuing Lender shall have received written notice from the
                  Principal Companies or the Administrative Agent; (2) the
                  aggregate amount of all Letter of Credit Obligations, PLUS the
                  aggregate principal amount of all Revolving Loans, shall
                  exceed the Aggregate Revolving Commitment then in effect; (3)
                  the Letter of Credit Obligations shall exceed the Letter of
                  Credit Commitment then in effect; or (4) the expiry date of
                  any requested Letter of Credit is later than the Maturity
                  Date."

         and (b) amending and restating clause (b)(iii) to read in its entirety
as follows:

                           "(iii) the expiry date of any requested Letter of
                  Credit is more than one (1) year after the date of issuance,
                  unless the Required Lenders and the Issuing Lender have
                  approved such expiry date in writing;"

         SECTION 2.6. AMENDMENT OF SECTION 5.2.8. SECTION 5.2.8 of the Credit
Agreement is amended by deleting the date "February 15, 1999" therein and
replacing it with the date "February 15, 2000".

         SECTION 2.7. AMENDMENT OF SECTION 8.1(c). SECTION 8.1 of the Credit
Agreement is amended by

         (a)      amending and restating the first sentence therein to read in
its entirety as follows:

                  "Deliver to the Administrative Agent, in form and detail
         reasonably satisfactory to the Administrative Agent and the Required
         Lenders, with sufficient copies for each Lender (which copies will be
         distributed by the Administrative Agent to each Lender):"

         and (b) amending and restating subsection (c) to read in its entirety
as follows:

                  "(c) as soon as available, but not later than 30 days after
         the end of each calendar month, financial information regarding the
         results of the

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                                      -4-

         operations of the Parent Company and its Subsidiaries, such financial
         information to include (i) a consolidated financial summary of
         revenues, operating expenses, broadcast cash flow and net income or
         loss on a monthly and year-to-date basis (with a comparison of actual
         results to prior year and budget results), (ii) a financial summary of
         revenues, operating expenses, broadcast cash flow and net income or
         loss on a monthly and year-to-date basis by each individual Market
         (with a comparison of actual results to prior year and budget
         results), and (iii) any other information that the Administrative
         Agent shall from time to time request; and"

         SECTION 2.8. AMENDMENT OF SECTION 12.1(d)(v). SECTION 12.1(d)(v) of the
Credit Agreement is amended by amending and restating clause (v) to read in its
entirety as follows:

                  "(v) amend, terminate or waive any obligations of the Lenders
         relating to the purchase of participations in Letters of Credit as
         provided in ARTICLE III, without the consent of each of the
         Administrative Agent, the Issuing Lender and each Lender."

                                   ARTICLE III

                              CONDITIONS PRECEDENT
                              --------------------

         Each of the amendments to the Loan Documents and the Credit Agreement
set forth in ARTICLE II of this Agreement shall be effective and in full force
and effect on and as of and from and after the Effective Date, PROVIDED that
each of the following conditions precedent shall first be satisfied:

         SECTION 3.1. AMENDMENT DOCUMENT. The Administrative Agent shall have
received counterparts of this Agreement duly executed by each of the Borrower,
the Parent Company, and also by each of the Lenders.

         SECTION 3.2. REPRESENTATIONS AND WARRANTIES. Each of the
representations and warranties made by the Borrower and the Parent Company
pursuant to this Agreement shall be true and correct in all material respects on
and as of the Effective Date with the same full force and effect as if made and
repeated on and as of such date.

                                   ARTICLE IV

                    REPRESENTATIONS, WARRANTIES AND COVENANTS
                    -----------------------------------------

         Each of the Borrower and the Parent Company represents and warrants to
and covenants with the Administrative Agent and the Lenders as follows:

         SECTION 4.1. REPRESENTATIONS IN LOAN DOCUMENTS. Each of the
representations and warranties made by or on behalf of each of the Principal
Companies to the Administrative Agent and the Lenders in the Loan Documents was

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                                      -5-

true and correct in all material respects when made and is true and correct in
all material respects on and as of the date hereof, EXCEPT (a) as affected by
the consummation of the transactions contemplated by the Loan Documents
(including this Agreement), and (b) to the extent that any such representation
or warranty relates by its express terms solely to a prior date.

         SECTION 4.2. CORPORATE AUTHORITY, ETC. The execution and delivery by
each Principal Company of this Agreement, and the performance by each Principal
Company of its agreements and obligations under this Agreement, have been duly
and properly authorized by all necessary corporate or other action on the part
of each of the Principal Companies, and do not and will not conflict with,
result in any violation of, or constitute any default under, (a) any provision
of any Governing Document of any Principal Company, (b) any Contractual
Obligation of any Principal Company, or (c) any Applicable Law.

         SECTION 4.3. VALIDITY, ETC. This Agreement has been duly executed and
delivered by each Principal Company and constitutes the legal, valid and binding
obligation of each Principal Company, enforceable against it in accordance with
its terms, except as such enforceability may be limited by bankruptcy,
reorganization, insolvency, moratorium or other similar laws at the time in
effect affecting the enforceability of the rights of creditors generally and to
general equitable principles. Each of the Principal Companies hereby ratifies
and confirms in all respects all of the Obligations as modified hereby.

         SECTION 4.4. NO DEFAULTS. After giving effect to this Agreement, no
Defaults or Events of Default are continuing under the Credit Agreement or any
of the other Loan Documents.

                                    ARTICLE V

                        PROVISIONS OF GENERAL APPLICATION

         SECTION 5.1. NO OTHER CHANGES. Except as otherwise expressly provided
by this Agreement, all of the terms, conditions and provisions of the Credit
Agreement and each of the other Loan Documents, and all rights and remedies of
the Administrative Agent and the Lenders thereunder, shall remain unaltered.

         SECTION 5.2. OTHER PROVISIONS. This Agreement is a Loan Document for
all purposes of the Credit Agreement and each of the other Loan Documents. This
Agreement and the rights and obligations hereunder of each of the parties hereto
shall in all respects be construed in accordance with and governed by the laws
of the Commonwealth of Massachusetts. This Agreement may be executed in any
number of counterparts and by different parties hereto in separate counterparts,
but all of such counterparts shall together constitute but one and the same
agreement. In making proof of this Agreement, it shall not be necessary to
produce or account for more than one counterpart hereof signed by each of the
parties hereto.

              [REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK]

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                  IN WITNESS WHEREOF, the parties hereto have caused this
OMNIBUS AMENDMENT NO. 1 AND AMENDMENT NO. 1 TO CREDIT AGREEMENT to be executed
and delivered by their respective authorized officers under seal as of the date
first above written.

                                     THE PARENT COMPANY:
                                     -------------------

                                     REGENT COMMUNICATIONS,
                                     INC., as the Parent Company and
                                     a Guarantor

                                     By:  /s/ ANTHONY A. VASCONCELLOS
                                        ----------------------------------------
                                            Name:    Anthony A. Vasconcellos
                                            Title:   Vice President and
                                                     Chief Financial Officer

                                     THE BORROWER:
                                     -------------

                                     REGENT BROADCASTING,
                                     INC., as Borrower

                                     By:  /s/ ANTHONY A. VASCONCELLOS
                                        ----------------------------------------
                                            Name:    Anthony A. Vasconcellos
                                            Title:   Vice President and
                                                     Chief Financial Officer

                                     THE ADMINISTRATIVE AGENT:
                                     -------------------------

                                     FLEET NATIONAL BANK, as
                                     Administrative Agent

                                     By:  /s/ ROBERT F. MILORDI
                                        ----------------------------------------
                                            Name:    Robert F. Milordi
                                            Title:   Managing Director

                                     THE LENDERS:
                                     ------------

                                     FLEET NATIONAL BANK, as
                                     the Issuing Lender and a Lender

                                     By:  /s/ ROBERT F. MILORDI
                                        ----------------------------------------
                                            Name:    Robert F. Milordi
                                            Title:   Managing Director<PAGE>   1
                                                                    Exhibit 4(f)

                              REVOLVING CREDIT NOTE
                              ---------------------

$25,000,000.00                                                  February 7, 2000

         FOR VALUE RECEIVED, the undersigned, REGENT BROADCASTING, INC., a
Delaware corporation (the "BORROWER"), hereby absolutely and unconditionally
promises to pay to FLEET NATIONAL BANK (the "HOLDER"), on the Maturity Date, the
principal sum of Twenty-Five Million Dollars ($25,000,000.00), or, if less, the
aggregate unpaid principal amount of the Revolving Loans made by the Holder to
the Borrower pursuant to the Credit Agreement, dated as of January 27, 2000 (as
amended, supplemented, amended and restated or otherwise modified from time to
time, the "CREDIT AGREEMENT"), among the Borrower, Regent Communications, Inc.,
as Parent Company and Guarantor, the original Holder hereof, the certain other
Lenders from time to time party thereto, Fleet National Bank, as Administrative
Agent and Issuing Lender, General Electric Capital Corporation, as Syndication
Agent, Dresdner Bank AG, New York and Grand Cayman Branches, as Documentation
Agent, and Fleet Robertson Stephens Inc., as Lead Arranger. The Borrower hereby
irrevocably authorizes the Holder to make (or cause to be made) appropriate
notations on the SCHEDULE attached to this Revolving Credit Note (or on a
continuation of such SCHEDULE) to evidence, among other things, the date of, the
outstanding principal amount of, payments and prepayments on, and the interest
rate applicable from time to time to, the Revolving Loans evidenced hereby, and,
in the case of each Eurodollar Loan, the principal amount thereof and the dates
on which each Interest Period for such Eurodollar Loan shall begin and end. Any
such notations on such SCHEDULE (and on any such continuation) indicating the
outstanding principal amount of the Holder's Revolving Loans shall be rebuttable
presumptive evidence of the principal amount thereof owing and unpaid, but the
failure to record any such amount on such SCHEDULE (or on such continuation), or
any error in recording any such amount on such SCHEDULE (or on such
continuation), shall not limit or otherwise affect the Obligations of the
Borrower hereunder or under the Credit Agreement to make repayments or
prepayments of principal of, or payments of interest on, this Revolving Credit
Note when due.

         The Borrower agrees to pay interest on the principal amount of this
Revolving Credit Note from time to time unpaid, all in accordance with ARTICLE
II of the Credit Agreement.

         All repayments or prepayments of principal of, and all payments of
interest on this Revolving Credit Note shall be made by the Borrower to the
Administrative Agent in immediately available funds at the Administrative

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                                      -2-

Agent's Payment Office not later than 12:00 P.M. (Boston, Massachusetts time),
on the due date, and funds received after that hour shall be deemed to have been
received by the Administrative Agent on the next following Business Day, and any
applicable interest or Fees shall continue to accrue until such payment shall be
deemed to have been received. All computations of commitment fees, and of
interest payable in respect of Base Rate Loans based upon the Base Rate, shall
be made on the basis of a year of 365 or 366 days, as the case may be, and
actual days elapsed. All other computations of fees and interest under the
Credit Agreement shall be made on the basis of a 360-day year and actual days
elapsed. Interest and Fees shall accrue during each period during which interest
or Fees are computed from the first day thereof to the last day thereof.
Whenever any payment hereunder shall be stated to be due on a day other than a
Business Day, such payment shall be made on the next succeeding Business Day,
and such extension of time shall in such case be included in the computation of
interest or Fees, as the case may be (subject to the provisions set forth in the
definition of the term of "INTEREST PERIOD" in the Credit Agreement), all in
accordance with SECTION 2.12 of the Credit Agreement.

         This Revolving Credit Note is one of the Revolving Credit Notes
referred to in, and evidences Indebtedness incurred under, the Credit Agreement,
to which reference is made for a description of the security for and guaranties
applicable to this Revolving Credit Note and for a statement of the terms and
conditions on which the Borrower is permitted and required to make repayments
and prepayments of principal of the Indebtedness evidenced by this Revolving
Credit Note, and on which such Indebtedness may be declared to be, or shall
become, immediately due and payable.

         THIS REVOLVING CREDIT NOTE SHALL BE GOVERNED BY AND CONSTRUED IN
ACCORDANCE WITH THE INTERNAL SUBSTANTIVE LAWS OF THE COMMONWEALTH OF
MASSACHUSETTS.

         Terms used but not defined herein that are defined in the Credit
Agreement shall have the meanings given to such terms in the Credit Agreement.
The Borrower and all guarantors and endorsers of this Revolving Credit Note
hereby waive diligence, presentment, demand, notice, protest and all other
notices in connection with the delivery, acceptance, performance and enforcement
of this Revolving Credit Note, except as specifically otherwise provided in the
Credit Agreement, and assent to extensions of time for payment, forbearances and
other indulgences without notice.

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                                      -3-

         IN WITNESS WHEREOF, this Revolving Credit Note has been duly executed
under seal on behalf of REGENT BROADCASTING, INC. on and as of the date first
above written.

                                  THE BORROWER:
                                  -------------

                                  REGENT BROADCASTING, INC.

                                  By:  /s/ ANTHONY A. VASCONCELLOS
                                     -------------------------------------------
                                  Name:  Anthony A. Vasconcellos
                                  Title: Vice President and
                                         Chief Financial Officer

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