Document:

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                                                                   EXHIBIT 10.32

                     FIRST AMENDMENT TO AMENDED AND RESTATED

                         REVOLVING CREDIT LOAN AGREEMENT

         THIS FIRST AMENDMENT TO AMENDED AND RESTATED REVOLVING CREDIT LOAN
AGREEMENT (the "Amendment"), dated as of July 18, 2001, is between Sterling
Construction Company d/b/a Texas-Sterling Construction, Inc., a Michigan
corporation ("Borrower"), and Comerica Bank-Texas, a Texas banking association
("Lender").

                                    RECITALS:

         A. Borrower and Lender have entered into that certain Amended and
Restated Revolving Credit Loan Agreement (the "Agreement") dated as of July 18,
2001.

         B. Pursuant to the Agreement, Sterling Construction Company, a Delaware
corporation ("First Guarantor") executed that certain Unlimited Guaranty (the
"First Guaranty") dated as of July 18, 2001, and Oakhurst Company, Inc., a
Delaware corporation ("Second Guarantor") executed that certain Unlimited
Guaranty (the "Second Guaranty") dated as of July 18, 2001 (the First Guarantor
and the Second Guarantor are hereinafter collectively called the "Guarantors",
and the First Guaranty and the Second Guaranty are hereinafter collectively
called the "Guaranties"), which guaranteed to Lender the payment and performance
of the Obligations (as defined in the Agreement).

         C. Borrower and Lender now desire to amend the Agreement as herein set
forth.

         NOW, THEREFORE, in consideration of the premises herein contained and
other good and valuable consideration, the receipt and sufficiency of which are
hereby acknowledged, the parties hereto agree as follows:

                                    ARTICLE I

                                   Definitions

         1.1 Definitions. Capitalized terms used in this Amendment, to the
extent not otherwise defined herein, shall have the same meanings as in the
Agreement, as amended hereby.

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                                   ARTICLE II

                                   Amendments

         2.1 Amendment to Section 6.8. Effective as of the date hereof, Section
6.8 is hereby amended in its entirety to read as follows:

                  "Section 6.8. Maintain Cash Flow Coverage Ratio. On a
         consolidated basis, the Parent shall maintain a Cash Flow Coverage
         Ratio of not less than 1.20 to 1.0, verified quarterly on a rolling
         four-quarters basis. For purposes hereof, "Cash Flow Coverage Ratio"
         shall mean (i) Pre-tax income, minus six and one- half percent (6.5%),
         plus depreciation and actual interest expense divided by (ii) the sum
         of current maturities of all long-term debt plus twenty-five percent
         (25%) of the average outstanding principal balance of the Revolving
         Loan for the previous twelve (12) months. For purposes hereof, "current
         maturities of all long- term debt" shall mean, at any given time, all
         principal and interest payments required to be paid during the ensuing
         one year period from such given time on all Debt (including
         Subordinated Debt). Borrower may have the option to defer Subordinated
         Debt payments and exclude such payments as current maturities, so long
         as such deferred payments are noted on the note evidencing such
         Subordinated Debt. The calculation of the Cash Flow Coverage Ratio will
         be done in a form and format reasonably acceptable to the Bank and
         substantially similar to Schedule 6.8 attached hereto and incorporated
         herein by this reference."

                                   ARTICLE III

                              Conditions Precedent

         3.1 Conditions. The effectiveness of this Amendment is subject to the
satisfaction of the following conditions precedent (if requested by the Lender):

                  (a) Lender shall have received all of the following, each
         dated (unless otherwise indicated) the date of this Amendment, in form
         and substance satisfactory to Lender:

                           (1) Resolutions. Resolutions of the Board of
                  Directors of Borrower certified by its Secretary or an
                  Assistant Secretary which authorize the execution, delivery,
                  and performance by Borrower of this Amendment and the other
                  Loan Documents to which Borrower is or is to be a party
                  hereunder;

                           (2) Incumbency Certificate. A certificate of
                  incumbency certified by the Secretary or an Assistant
                  Secretary of Borrower certifying the names of the officers of
                  Borrower authorized to sign this Amendment and each of the
                  other Loan Documents to which Borrower is or is to be a party
                  hereunder (including the certificates contemplated herein)
                  together with specimen signatures of such officers;

                                       -2-

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                           (3) Articles of Incorporation. The articles of
                  incorporation of Borrower certified by the appropriate
                  government official of the state of incorporation of Borrower
                  within ten (10) days prior to the date of this Amendment;

                           (4) Bylaws. The bylaws of Borrower certified by the
                  Secretary or an Assistant Secretary of Borrower;

                           (5) Governmental Certificates. Certificates of the
                  appropriate government officials of the state of incorporation
                  of Borrower as to the existence and good standing of Borrower,
                  each dated within ten (10) days prior to the date of this
                  Amendment; and

                           (6) Additional Information. Lender shall have
                  received such additional documents, instruments and
                  information as Lender or its legal counsel, Winstead Sechrest
                  & Minick P.C., may request; and

                  (b) The representations and warranties contained herein and in
         all other Loan Documents, as amended hereby, shall be true and correct
         as of the date hereof as if made on the date hereof;

                  (c) No Event of Default shall have occurred and be continuing
         and no event or condition shall have occurred that with the giving of
         notice or lapse of time or both would be an Event of Default.

                  (d) All corporate proceedings taken in connection with the
         transactions contemplated by this Amendment and all documents,
         instruments, and other legal matters incident thereto shall be
         satisfactory to Lender and its legal counsel, Winstead Sechrest &
         Minick P.C.

                                   ARTICLE IV

                  Ratifications, Representations and Warranties

         4.1 Ratifications. The terms and provisions set forth in this Amendment
shall modify and supersede all inconsistent terms and provisions set forth in
the Agreement and except as expressly modified and superseded by this Amendment,
the terms and provisions of the Agreement are ratified and confirmed and shall
continue in full force and effect. Borrower and Lender agree that the Agreement
as amended hereby shall continue to be legal, valid, binding and enforceable in
accordance with its terms.

         4.2 Representations and Warranties. Borrower hereby represents and
warrants to Lender that (i) the execution, delivery and performance of this
Amendment and any and all other Loan Documents executed and/or delivered in
connection herewith have been authorized by all requisite corporate action on
the part of Borrower and will not violate the articles of incorporation or
bylaws of Borrower, (ii) the representations and warranties contained in the
Agreement, as amended hereby, and any other Loan Document are true and correct
on and as of the date hereof as though made on and as of the date hereof, (iii)
no Event of Default has

                                       -3-

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occurred and is continuing and no event or condition has occurred that with the
giving of notice or lapse of time or both would be an Event of Default, and (iv)
Borrower is in full compliance with all covenants and agreements contained in
the Agreement as amended hereby.

                                    ARTICLE V

                                  Miscellaneous

         5.1 Survival of Representations and Warranties. All representations and
warranties made in this Amendment or any other Loan Document including any Loan
Document furnished in connection with this Amendment shall survive the execution
and delivery of this Amendment and the other Loan Documents, and no
investigation by Lender or any closing shall affect the representations and
warranties or the right of Lender to rely upon them.

         5.2 Reference to Agreement. Each of the Loan Documents, including the
Agreement and any and all other agreements, documents, or instruments now or
hereafter executed and delivered pursuant to the terms hereof or pursuant to the
terms of the Agreement as amended hereby, are hereby amended so that any
reference in such Loan Documents to the Agreement shall mean a reference to the
Agreement as amended hereby.

         5.3 Expenses of Lender. As provided in the Agreement, Borrower agrees
to pay on demand all costs and expenses incurred by Lender in connection with
the preparation, negotiation, and execution of this Amendment and the other Loan
Documents executed pursuant hereto and any and all amendments, modifications,
and supplements thereto, including without limitation the costs and fees of
Lender's legal counsel, and all costs and expenses incurred by Lender in
connection with the enforcement or preservation of any rights under the
Agreement, as amended hereby, or any other Loan Document, including without
limitation the costs and fees of Lender's legal counsel.

         5.4 Severability. Any provision of this Amendment held by a court of
competent jurisdiction to be invalid or unenforceable shall not impair or
invalidate the remainder of this Amendment and the effect thereof shall be
confined to the provision so held to be invalid or unenforceable.

         5.5 Applicable Law. This Amendment and all other Loan Documents
executed pursuant hereto shall be deemed to have been made and to be performable
in Dallas, Dallas County, Texas and shall be governed by and construed in
accordance with the laws of the State of Texas.

         5.6 Successors and Assigns. This Amendment is binding upon and shall
inure to the benefit of Lender and Borrower and their respective successors and
assigns, except Borrower may not assign or transfer any of its rights or
obligations hereunder without the prior written consent of Lender.

         5.7 Counterparts. This Amendment may be executed in one or more
counterparts, each of which when so executed shall be deemed to be an original,
but all of which when taken together shall constitute one and the same
instrument.

                                       -4-

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         5.8 Effect of Waiver. No consent or waiver, express or implied, by
Lender to or for any breach of or deviation from any covenant, condition or duty
by Borrower or Guarantors shall be deemed a consent or waiver to or of any other
breach of the same or any other covenant, condition or duty.

         5.9 Headings. The headings, captions, and arrangements used in this
Amendment are for convenience only and shall not affect the interpretation of
this Amendment.

         5.10 Non-Application of Chapter 346 of Texas Finance Code. The
provisions of Chapter 346 of the Texas Finance Code are specifically declared by
the parties not to be applicable to this Amendment or any of the Loan Documents
or the transactions contemplated hereby.

         5.11 SECTION 26.02 NOTICE. THIS AMENDMENT AND ALL OTHER INSTRUMENTS,
DOCUMENTS AND AGREEMENTS EXECUTED AND DELIVERED IN CONNECTION WITH THIS
AMENDMENT EMBODY THE FINAL, ENTIRE AGREEMENT AMONG THE PARTIES HERETO AND
SUPERSEDE ANY AND ALL PRIOR COMMITMENTS, AGREEMENTS, REPRESENTATIONS AND
UNDERSTANDINGS, WHETHER WRITTEN OR ORAL, RELATING TO THIS AMENDMENT, AND MAY NOT
BE CONTRADICTED OR VARIED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR SUBSEQUENT
ORAL AGREEMENTS OR DISCUSSIONS OF THE PARTIES HERETO.

THERE ARE NO UNWRITTEN ORAL AGREEMENTS AMONG THE PARTIES HERETO.

         5.12 RELEASE AND COVENANT NOT TO SUE. THE BORROWER (IN ITS OWN RIGHT
AND ON BEHALF OF ITS RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, INDEPENDENT
CONTRACTORS, ATTORNEYS AND AGENTS) AND GUARANTORS (IN THEIR OWN RIGHT AND ON
BEHALF OF THEIR RESPECTIVE ATTORNEYS AND AGENTS) (THE "RELEASING PARTIES")
JOINTLY AND SEVERALLY RELEASE, ACQUIT, AND FOREVER DISCHARGE THE BANKS AND THEIR
RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, INDEPENDENT CONTRACTORS, ATTORNEYS
AND AGENTS, AND ATTORNEYS (THE "RELEASED PARTIES"), TO THE FULLEST EXTENT
PERMITTED BY APPLICABLE STATE AND FEDERAL LAW, FROM ANY AND ALL ACTS AND
OMISSIONS OF THE RELEASED PARTIES, AND FROM ANY AND ALL CLAIMS, CAUSES OF
ACTION, COUNTERCLAIMS, DEMANDS, CONTROVERSIES, COSTS, DEBTS, SUMS OF MONEY,
ACCOUNTS, RECKONINGS, BONDS, BILLS, DAMAGES, OBLIGATIONS, LIABILITIES,
OBJECTIONS, AND EXECUTIONS OF ANY NATURE, TYPE, OR DESCRIPTION WHICH THE
RELEASING PARTIES HAVE AGAINST THE RELEASED PARTIES, INCLUDING, BUT NOT LIMITED
TO, NEGLIGENCE, GROSS NEGLIGENCE, USURY, FRAUD, DECEIT, MISREPRESENTATION,
CONSPIRACY, UNCONSCIONABILITY, DURESS, ECONOMIC DURESS, DEFAMATION, CONTROL,
INTERFERENCE WITH CONTRACTUAL AND BUSINESS RELATIONSHIPS, CONFLICTS OF INTEREST,
MISUSE OF INSIDER INFORMATION, CONCEALMENT, DISCLOSURE, SECRECY, MISUSE OF
COLLATERAL, WRONGFUL RELEASE OF COLLATERAL, FAILURE

                                       -5-

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TO INSPECT, ENVIRONMENTAL DUE DILIGENCE, NEGLIGENT LOAN PROCESSING AND
ADMINISTRATION, WRONGFUL SETOFF, VIOLATIONS OF STATUTES AND REGULATIONS OF
GOVERNMENTAL ENTITIES, INSTRUMENTALITIES AND AGENCIES (BOTH CIVIL AND CRIMINAL),
RACKETEERING ACTIVITIES, SECURITIES AND ANTITRUST LAWS VIOLATIONS, TYING
ARRANGEMENTS, DECEPTIVE TRADE PRACTICES, BREACH OR ABUSE OF ANY ALLEGED
FIDUCIARY DUTY, BREACH OF ANY ALLEGED SPECIAL RELATIONSHIP, COURSE OF CONDUCT OR
DEALING, ALLEGED OBLIGATION OF FAIR DEALING, ALLEGED OBLIGATION OF GOOD FAITH,
AND ALLEGED OBLIGATION OF GOOD FAITH AND FAIR DEALING, WHETHER OR NOT IN
CONNECTION WITH OR RELATED TO THE AGREEMENT OR THE NOTES OR VARIOUS SECURITY
DOCUMENTS, GUARANTIES AND ANY AND ALL DOCUMENTS RELATED THERETO (THE "LOAN
PAPERS") OR THIS AGREEMENT, AT LAW OR IN EQUITY, IN CONTRACT IN TORT, OR
OTHERWISE, KNOWN OR UNKNOWN, SUSPECTED OR UNSUSPECTED (THE "RELEASED CLAIMS").
THE RELEASING PARTIES FURTHER AGREE TO LIMIT ANY DAMAGES THEY MAY SEEK IN
CONNECTION WITH ANY CLAIM OR CAUSE OF ACTION, IF ANY, TO EXCLUDE ALL PUNITIVE
AND EXEMPLARY DAMAGES, DAMAGES ATTRIBUTABLE TO LOST PROFITS OR OPPORTUNITY,
DAMAGES ATTRIBUTABLE TO MENTAL ANGUISH, AND DAMAGES ATTRIBUTABLE TO PAIN AND
SUFFERING, AND THE RELEASING PARTIES DO HEREBY WAIVE AND RELEASE ALL SUCH
DAMAGES WITH RESPECT TO ANY AND ALL CLAIMS OR CAUSES OF ACTION WHICH MAY ARISE
AT ANY TIME AGAINST ANY OF THE RELEASED PARTIES. THE RELEASING PARTIES REPRESENT
AND WARRANT THAT NO FACTS NOW EXIST WHICH COULD PRESENTLY OR IN THE FUTURE COULD
SUPPORT THE ASSERTION OF ANY OF THE RELEASED CLAIMS AGAINST THE RELEASED
PARTIES. THE RELEASING PARTIES FURTHER COVENANT NOT TO SUE THE RELEASED PARTIES
ON ACCOUNT OF ANY OF THE RELEASED CLAIMS, AND EXPRESSLY WAIVE ANY AND ALL
DEFENSES THEY MAY HAVE IN CONNECTION WITH THEIR DEBTS AND OBLIGATIONS UNDER THE
LOAN PAPERS AND THIS AGREEMENT. THIS PARAGRAPH IS IN ADDITION TO AND SHALL NOT
IN ANY WAY LIMIT ANY OTHER RELEASE, COVENANT NOT TO SUE, OR WAIVER BY THE
RELEASING PARTIES IN FAVOR OF THE RELEASED PARTIES.

ACCEPTANCE OF EACH ADVANCE MADE AFTER THE DATE HEREOF SHALL CONSTITUTE A
RATIFICATION, ADOPTION AND CONFIRMATION BY THE RELEASING PARTIES OF THE
FOREGOING GENERAL RELEASE OF RELEASED CLAIMS THAT ARE BASED IN WHOLE OR IN PART
ON FACTS, WHETHER OR NOT NOW KNOWN OR UNKNOWN, EXISTING ON OR PRIOR TO THE DATE
OF RECEIPT OF ANY SUCH ADVANCE.

         5.13 WAIVER OF JURY TRIAL. TO THE FULLEST EXTENT PERMITTED BY
APPLICABLE LAW, EACH OF THE PARTIES HERETO HEREBY IRREVOCABLY AND EXPRESSLY
WAIVES ALL RIGHT TO A TRIAL BY JURY IN ANY ACTION, PROCEEDING, OR COUNTERCLAIM
(WHETHER BASED UPON CONTRACT, TORT, OR OTHERWISE) ARISING OUT OF OR RELATING TO
ANY OF THE LOAN

                                       -6-

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DOCUMENTS OR THE TRANSACTIONS CONTEMPLATED THEREBY OR THE ACTIONS OF THE AGENT
OR ANY BANK IN THE NEGOTIATION, ADMINISTRATION, OR ENFORCEMENT THEREOF.

         Executed as of the date first written above.

                                    Borrower:

                                    STERLING CONSTRUCTION COMPANY, a Michigan
                                    corporation

                                    By:   /s/ Patrick T. Manning
                                       -----------------------------------------
                                    Name: Patrick T. Manning
                                    Title: President

                                    Lender:

                                    COMERICA BANK-TEXAS, a Texas banking
                                    association

                                    By:   /s/ Eric E. Lundquist
                                       -----------------------------------------
                                    Name: Eric E. Lundquist
                                    Title: Vice President

         First Guarantor hereby consents and agrees to this Amendment and agrees
that the First Guaranty shall remain in full force and effect and shall continue
to be the legal, valid and binding obligations of First Guarantor enforceable
against First Guarantor in accordance with its terms.

                                    First Guarantor:

                                    STERLING CONSTRUCTION COMPANY, a Delaware
                                    corporation

                                    By:
                                    Name: Patrick T. Manning
                                    Title: President

         Second Guarantor hereby consents and agrees to this Amendment and
agrees that the Second Guaranty shall remain in full force and effect and shall
continue to be the legal, valid and binding obligations of Second Guarantor
enforceable against Second Guarantor in accordance with its terms.

                                      -7-

<PAGE>

                                    Second Guarantor:

                                    OAKHURST COMPANY, INC., a Delaware
                                    corporation

                                    By:   /s/ Roger M. Barzun
                                       -----------------------------------------
                                    Name: Roger M. Barzun
                                    Title: Senior Vice President

                                      -8-<PAGE>
                                                                   EXHIBIT 10.35

                      SECOND AMENDMENT TO CREDIT AGREEMENT

     THIS SECOND AMENDMENT TO CREDIT AGREEMENT (this "Amendment"), dated as of
the 13 day of December, 2001, by and between STEEL CITY PRODUCTS, INC., a
Delaware (the "Borrower") and NATIONAL CITY BANK OF PENNSYLVANIA (the "Bank").

                                   BACKGROUND

     A.   The Borrower and the Bank entered into a certain Credit Agreement
dated as of July 13, 2001 (as amended, supplemented, replaced or otherwise
modified, the "Agreement") pursuant to which the Bank has made a credit facility
or facilities available to the Borrower.

     B.   The Borrower has requested the Bank to (i) increase the Revolving
Credit Committed Amount, and (ii) revise various other provisions of the
Agreement, and the Bank is willing to do so upon the terms and conditions set
forth in this Amendment.

     NOW THEREFORE, intending to be legally bound hereby, the parties hereto
amend the Agreement and agree as follows:

     Section 1. Capitalized Terms.

     Unless otherwise specified herein, capitalized terms used in this
Amendment (including the BACKGROUND above) without definition shall have the
same meaning as set forth in the Agreement as amended by this Amendment.

     Section 2. Amendments.

     The Agreement is hereby amended as follows:

     2.1  The last sentence of Section 2.01(a) of the Agreement is hereby
amended and restated in its entirety as follows:

          "The Bank's "Revolving Credit Committed Amount" shall be equal to
Five Million and 00/100 Dollars ($5,000,000.000)."

     2.2  Section 2.09(a) of the Agreement is hereby amended and restated in
its entirety as follows:

          "(a) Borrowing Base. The "Borrowing Base" at any time shall mean the
sum, at the date of the most recent Borrowing Base Certificate required to be
furnished pursuant to Section 2.09(f) hereof, of:

               (i)  seventy-five percent (75%) of the Net Value of Eligible
Receivables: provided, however, that at no time shall the Net Value of Eligible
Receivables

                                       1
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due and owing from either of Giant Eagle Stores or Krogers Stores exceed thirty
percent (30%) of the total Net Value of Eligible Receivables of the Borrower;
and provided further that payments due to the Borrower from Ames Department
Stores shall not be Eligible Receivables; and provided further that at no time
shall the Net Value of Eligible Receivables due and owing from any other
obligor exceed twenty percent (20%) of the total Net Value of Eligible
Receivables of the Borrower; plus

               (ii) forty-five percent (45%) of the Net Value of Eligible
Inventory; provided, however that the portion of the Borrowing Base attributable
to Eligible Inventory shall at no time exceed (A) prior to May 1, 2002,
fifty-five percent (55%) of the Borrowing Base and (B) on and after May 1, 2002,
fifty percent (50%) of the Borrowing Base."

     2.3 Section 6.03 of the Agreement is hereby supplemented to include the
following subsection (e) at the end thereof;

         "(e) Subordinated Indebtedness from Sterling Construction Company,
Inc., with a maturity after June 30, 2003, which is subject to a Subordination
Agreement substantially in the form of Exhibit A hereto."

     2.4 The following defined term set forth in Annex A to the Agreement is
hereby amended and restated in its entirety as follows:

         ""Revolving Credit Maturity Date" shall mean May 31, 2003."

     Section 3. Covenants. Representations and Warranties.

     3.1 The Borrower ratifies, confirms and reaffirms, without condition, all
the terms and conditions of the Agreement and the other Loan Documents and
agrees that it continues to be bound by the terms and conditions thereof as
amended by this Amendment; and, the Borrower further confirms and affirms that
it has no defense, set off or counterclaim against the same. The Agreement and
this Amendment shall be construed as complementing each other and as augmenting
and not restricting the Bank's rights, and, except as specifically amended by
this Amendment, the Agreement shall remain in full force and effect in
accordance with its terms.

     3.2 The Borrower ratifies, confirms and reaffirms without condition, all
liens and security interests granted to the Bank pursuant to the Agreement and
the other Loan Documents, if any, and such liens and security interests shall
continue to secure the indebtedness and obligations of the Borrower to the Bank
under the Agreement, the Note and the other Loan Documents, including, but not
limited to, all loans made by the Bank to the Borrower as amended by this
Amendment.

                                       2
<PAGE>
     3.3 The Borrower represents and warrants to the Bank that:

         (a) This Amendment has been duly executed and delivered by the Borrower
and constitutes the legal, valid and binding obligations of the Borrower
enforceable in accordance with its terms;

         (b) The execution and delivery of this Amendment by the Borrower and
the performance and observance by the Borrower of the provisions hereof, do not
violate or conflict with the organizational agreements of the Borrower or any
law applicable to the Borrower or result in a breach of any provision of or
constitute a default under any other agreement, instrument or document binding
upon or enforceable against the Borrower;

         (c) The representations and warranties set forth within Article III of
the Agreement continue to be true and correct in all material respects as of
the date of this Amendment except those changes resulting from the passage of
time; and

         (d) No material adverse change has occurred in the business,
operations, consolidated financial condition or prospects of the Borrower since
the date of the most recent annual financial statement delivered to the Bank,
and no Event of Default or condition which, with the passage of time, the
giving of notice or both, could become an Event of Default has occurred and is
continuing.

     3.4 The Borrower shall execute or cause to be executed and deliver to the
Bank all other documents, instruments and agreements deemed necessary or
appropriate by the Bank in connection herewith.

     Section 4. Conditions Precedent.

     4.1 This Amendment shall be effective on the date hereof so long as each
of the following conditions has been satisfied;

         (a) No Event of Default shall have occurred and be continuing on the
date of this Amendment.

         (b) The representations and warranties set forth within Article III of
the Agreement shall continue to be true and correct in all material respects as
of the date of this Amendment except those changes resulting from the passage
of time only.

         (c) Contemporaneously with the execution hereof, the Borrower shall
deliver, or cause to be delivered, to the Bank:

             (i)  The Note Modification Agreement;

             (ii) the Subordination Agreement, substantially in the form of
Exhibit A hereto, together with a copy of the subordinated note related thereto;

                                       3

<PAGE>
                  (iii) A certificate of the corporate secretary or assistant
secretary of the Borrower, dated the date hereof, certifying (1) that the
Articles of Incorporation and By-Laws of the Borrower has not been changed since
they were delivered to the Bank, or if there have been any such changes,
attaching copies thereof as then in effect and (2) as to true copies of all
corporate action taken by the Borrower in authorizing the execution, delivery
and performance of this Amendment, and the transactions contemplated thereby;
and

                  (iv) Such other documents, instruments and certificates
required by the Bank in connection with transactions contemplated by this
Amendment.

         4.2  The Bank shall continue to have a first priority lien on and
security interest in the Collateral, if any, previously granted to the Bank.

         4.3  All legal details and proceedings in connection with the
transactions contemplated in this Amendment shall be satisfactory to counsel for
the Bank, and the Bank shall have received all such originals or copies of such
documents as the Bank may request.

         Section 5. Miscellaneous.

         5.1  This Amendment shall be construed in accordance with, and
governed by the laws of the Commonwealth of Pennsylvania without giving effect
to the provisions thereof regarding conflicts of law.

         5.2  Except as amended hereby, all of the terms and conditions of the
Agreement shall remain in full force and effect. This Amendment amends the
Agreement and is not a novation thereof.

         5.3  This Amendment shall inure to the benefit of, and shall be
binding upon, the respective successors and assigns of the Borrower and the
Bank. The Borrower may not assign any of its rights or obligations hereunder
without the prior written consent of the Bank.

         5.4  This Amendment may be executed in any number of counterparts and
by the different parties hereto on separate counterparts each of which, when so
executed, shall be deemed an original, but all such counterparts shall
constitute but one and the same instrument.

                [THIS PORTION OF PAGE INTENTIONALLY LEFT BLANK]

                                       4
<PAGE>
     IN WITNESS WHEREOF, the parties hereto have caused their duly authorized
officers to execute and deliver this Second Amendment to Credit Agreement the
day and year first above written.

ATTEST:                            STEEL CITY PRODUCTS, INC.

By: /s/ KAREN A. STEMPINSKI        By: /s/ MAARTEN D. HEMSLEY (SEAL)
   ------------------------           -----------------------
Name: Karen A. Stempinski          Name: Maarten D. Hemsley
Title: Ass't Secretary             Title: CFO

          (SEAL)

                                   NATIONAL CITY BANK
                                   OF PENNSYLVANIA

                                   By: /s/ Lori B. Shure
                                      -----------------------
                                   Name: Lori B. Shure
                                   Title: Vice President

                                       5

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