Document:

EXHIBIT 10 (bu)

                              ENDORSEMENT NO. 4

                                    to the

                    100% QUOTA SHARE REINSURANCE AGREEMENT
                           Effective: July 1, 1996

                                   between

                STATE AND COUNTY MUTUAL FIRE INSURANCE COMPANY
                              Fort Worth, Texas

                                     and

                 AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS
                                Dallas, Texas

 IT IS HEREBY AGREED, effective July 1, 2000, with respect to losses incurred
 on or after that date, that paragraph C  of ARTICLE I - CLASSES OF  BUSINESS
 REINSURANCE shall be deleted and the following substituted therefor:

 "C.  Subject to Article XIX(E), the Maximum  Policy Limits for Policies  are
 as follows:

           Bodily Injury per person:               $20,020

           Bodily Injury per accident:             $40,020

           Property Damage per accident:           $15,020

           Physical Damage:                        Actual Cash Value (ACV),
                                                   not to exceed $40,020
                                                   per vehicle

           Personal Injury Protection per
            person, per accident:                  $2,520

           Uninsured/Underinsured/B.I.:            $20,020
                                                   $40,020

           Uninsured/Underinsured/P.D.:            $15,020."

 IT IS FURTHER AGREED,  effective July 1, 2000,  that paragraph B of  ARTICLE
 VIII - PREMIUMS, CEDING FEE AND PREMIUM TAXES (as amended by Endorsement No.
 2) shall be deleted and the following substituted therefor:

 "B.  It is understood that  the REINSURER shall pay  the COMPANY directly  a
      fee within (sixty)  60 days  following the end  of each  month (to  the
      COMPANY'S designated agent, T.B.A. Insurance, Inc. ('TBA'), as a ceding
      fee), 2.0% per annum of Net Premium plus the amount of assessments  and
      state premium taxes as provided in this Article VIII of this AGREEMENT.
      (These ceding fee amounts  shall be computed on  a calendar year  basis
      based on  policies written  in each  annual period  ending June  30th).
      Notwithstanding  anything  else  contained  herein  to  the   contrary,
      regardless of the amount of Net Premium, the minimum ceding fee due the
      COMPANY shall be $6,000  per month during the  term of this  AGREEMENT.
      (This is a monthly minimum and is not reduced by reason of payments  in
      excess of $6,000 in other months)."

 IT IS  ALSO AGREED,  effective July  1, 2000,  that paragraph  C of  ARTICLE
 XXVIII -  MISCELLANEOUS  shall  be deleted  and  the  following  substituted
 therefor:

 "C.  All acts and payments under this AGREEMENT are performable and  payable
      at the offices of  the COMPANY in  Dallas, Texas.   The address of  the
      COMPANY, for the purpose of this AGREEMENT, is 8200 Anderson Boulevard,
      Fort Worth, Texas 76120.  The address of the REINSURER, for the purpose
      of this AGREEMENT, is  14651 Dallas Parkway,  Suite 900, Dallas,  Texas
      75240."

 The provisions of this AGREEMENT shall remain otherwise unchanged.

 IN WITNESS WHEREOF, the  parties hereto have caused  this Endorsement to  be
 executed by their duly authorized representatives at:

 Fort Worth, Texas, this _______________ day of ______________________, 20__.

                     _______________________________________________________
                        STATE AND COUNTY MUTUAL FIRE INSURANCE COMPANY

 Dallas, Texas, this _______________ day of __________________________, 20__.

                    _______________________________________________________
                        AMERICAN HALLMARK INSURANCE COMPANY OF TEXASEXHIBIT 10(bv)

                             TERMINATION ADDENDUM

                                    to the

                      QUOTA SHARE RETROCESSION AGREEMENT
                           Effective:  July 1, 1996

                                  issued to

                 AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS
                                Dallas, Texas

                                      by

                          KEMPER REINSURANCE COMPANY
                             Long Grove, Illinois

 IT IS HEREBY AGREED, effective May 28, 1999, that Kemper Reinsurance Company
 shall no longer  be the Reinsurer  hereunder and  that "Reinsurer"  whenever
 used herein  shall  refer  to  "GE  Reinsurance  Corporation,  Lincolnshire,
 Illinois."

 IT IS FURTHER AGREED that this Agreement shall be terminated at 12:01  a.m.,
 Central Standard Time, July 1, 2000, in accordance with the third  paragraph
 of ARTICLE 3 _ COMMENCEMENT AND TERMINATION.

 IN WITNESS  WHEREOF, the  parties hereto  have caused  this Addendum  to  be
 executed by their duly authorized representatives at:

 Dallas, Texas, this _________ day of ________________________________, 20__.

                _______________________________________________________
                AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS

 Lincolnshire, Illinois, this _________ day of _______________________, 20__.

                _______________________________________________________
                GE REINSURANCE CORPORATIONEXHIBIT 10 (bw)

                             TERMINATION ADDENDUM

                                    to the

                           QUOTA SHARE RETROCESSION
                            REINSURANCE AGREEMENT
                         Effective:  January 1, 1997

                                  issued to

                         DORINCO REINSURANCE COMPANY
                              Midland, Michigan

                                      by

                 AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS
                                Dallas, Texas

 IT IS HEREBY  AGREED that  this Agreement shall  be terminated  on June  30,
 2000, in accordance with the run-off provisions of ARTICLE 3 -  COMMENCEMENT
 AND TERMINATION.

 IN WITNESS  WHEREOF, the  parties hereto  have caused  this Addendum  to  be
 executed by their duly authorized representatives at:

 Midland, Michigan, this ___________ day of __________________________, 20__.

                     _______________________________________________________
                     DORINCO REINSURANCE COMPANY

 Dallas, Texas, this ___________ day of ______________________________, 20__.

                     _______________________________________________________
                     AMERICAN HALLMARK INSURANCE COMPANY OF TEXASEXHIBIT 10 (bx)

                             TERMINATION ADDENDUM

                                    to the

                                 QUOTA SHARE
                            RETROCESSION CONTRACT
                        Effective:  September 1, 1998

                                  issued to

                         DORINCO REINSURANCE COMPANY
                              Midland, Michigan

                                      by

                 AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS
                                Dallas, Texas

 IT IS HEREBY AGREED  that this Contract shall  be terminated at 12:01  a.m.,
 Central Standard Time,  September 1, 2000,  and reinsurance hereunder  shall
 continue to  apply  to  the business  in  force  at the  time  and  date  of
 termination, until expiration or cancellation of such business.

 IN WITNESS  WHEREOF, the  parties hereto  have caused  this Addendum  to  be
 executed by their duly authorized representatives:

 In Midland, Michigan, this ____________ day of ______________________, 20__.

                               DORINCO REINSURANCE COMPANY

                               By ___________________________________
                                             (signature)

                               ______________________________________
                                                (name)

                               ______________________________________
                                                  (title)

 In Dallas, Texas, this ____________ day of __________________________, 20__.

                               AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS

                               By ___________________________________
                                             (signature)

                               ______________________________________
                                                (name)

                               ______________________________________
                                                  (title)EXHIBIT 10 (by)

                             TERMINATION ADDENDUM

                                    to the

                     INTERESTS AND LIABILITIES AGREEMENT

                                      of

                          GE REINSURANCE CORPORATION
                             Long Grove, Illinois
           (hereinafter referred to as the "SUBSCRIBING REINSURER")

                             with respect to the

                               100% QUOTA SHARE
                            REINSURANCE AGREEMENT
                         Effective:  January 1, 1997

                                  issued to

                STATE AND COUNTY MUTUAL FIRE INSURANCE COMPANY
                              Fort Worth, Texas

 IT IS  HEREBY AGREED  that this  Agreement and  the SUBSCRIBING  REINSURER'S
 40.0% share in the  interests and liabilities of  the "Reinsurer" under  the
 Reinsurance Agreement shall be  terminated on June  30, 2000, in  accordance
 with the run-off provisions of ARTICLE V - COMMENCEMENT AND TERMINATION.

 IN WITNESS  WHEREOF, the  parties hereto  have caused  this Addendum  to  be
 executed by their duly authorized representatives at:

 Fort Worth, Texas, this ____________ day of to_______________________, 20__.

                     ____________________________________________________
                     STATE AND COUNTY MUTUAL FIRE INSURANCE COMPANY

 Long Grove, Illinois, this ________ day of __________________________, 20__.

                     ____________________________________________________
                     GE REINSURANCE CORPORATION

 Dallas, Texas, this ________ day of _________________________________, 20__.

                     ____________________________________________________
                     VAUGHN GENERAL AGENCY, INC.

 Dallas, Texas, this ________ day of _________________________________, 20__.

                     ____________________________________________________
                     AMERICAN HALLMARK GENERAL AGENCY, INC.

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