Document:

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                                                                   Exhibit 10(m)

March 23, 2000

Mr. Charles Henry Weil
8/Rue Cortambert
Paris, France   75116

RE:      Loan Commitment to Integra, Inc.

Dear Charles-Henri:

         The purpose of this letter is to confirm your commitment to provide to
Integra, Inc. (the "Company") a line of credit of up to $2 million in
consideration of a grant to you of warrants as set forth hereafter.

         Draw downs on the line of credit will be based upon a determination of
the Board of Directors of the Company with respect to the need for operating
capital for the Company. It is understood, however, that the Company will be
using its best efforts to arrange with lending institutions an alternative line
of credit as soon as reasonably practicable, and that this line of credit will
terminate and all amounts then due thereunder will be become immediately due and
payable upon closing of such alternative line of credit. In any event, all
amounts due and payable under the line of credit advanced by you will be due and
payable one year from the date hereof, and this line of credit shall then be
deemed terminated.

         Except as set forth above, the terms, conditions, draw down procedures,
interest rate provisions, covenants and events of default under the recently
terminated PNC Bank line of credit shall apply to the line of credit hereunder,
and such documents are hereby incorporated by reference.

         In consideration of your agreement to provide the line of credit
hereunder, the Company hereby grants the following warrant consideration:

         1.       Initial Warrant. Upon effectiveness of this letter agreement,
                  you will be granted by the Company warrants to purchase 50,000
                  shares of the Company's common stock at the price per share of
                  the Company's common stock on the closing date of the
                  Company's annual meeting of shareholders, at which the grants
                  hereunder will be approved. Such warrant shall be exercisable
                  for a ten year period, and the exercise price shall be subject
                  to adjustment in the event of stock splits, stock dividends,
                  recapitalizations and the like. You acknowledge that the
                  warrants and the underlying shares have not been registered
                  under the Securities Act of 1933, and may not be sold or
                  otherwise encumbered without such registration or opinion
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                  of counsel for the Company that an exemption to such
                  registration requirements is available.

         2.       Contingent Additional Warrant. In the event that the Company
                  is unable to achieve a replacement line of credit which
                  terminates the line of credit hereunder by June 30, 2000, you
                  will be granted an additional warrant to purchase 50,000
                  shares of the Company's common stock on the same terms and
                  conditions as the warrant described in subparagraph 1, above.

         In the event that for any reason the grant of warrants hereunder is not
approved by the Shareholders at the annual meeting, you will receive cash
consideration equal to the value of the warrants based on conventional valuation
methodologies as applied by PricewaterhouseCoopers or its designee appraisal
firm.

         The commitments under this letter shall become effective upon your
counter-signature to this letter agreement and approval thereof by the Company's
Board of Directors, a meeting respecting which shall be held immediately. Upon
execution hereof and such Board approval, the commitments set forth herein shall
become legally binding on the parties. Such orders will issue in connection with
the Company's financial statements.

                                      Sincerely yours,

                                      INTEGRA, INC.

                                      By:
                                          -------------------------------------
                                            Eric Anderson,
                                            President & Chief Executive Officer

ACCEPTED:

Charles-Henri Weil<PAGE>   1
                                                                    Exhibit 10.4

                               EMPLOYMENT CONTRACT

This AGREEMENT is made effective as of this thirty-first day of January, 2000 by
and between THE YARDVILLE NATIONAL BANK (the "Bank"), a corporation organized
under the laws of the State of New Jersey, and James F.
Doran, Jr. (the "Officer").

                                    RECITALS

         WHEREAS, the Bank desires to employ and retain the services of the
Officer for the period provided in this Agreement; and

         WHEREAS, the Officer is willing to serve in the employ of the Bank on a
full-time basis for said period;

         NOW, THEREFORE, in consideration of the mutual covenants herein
contained, and upon the other terms and conditions hereinafter provided, the
parties hereto agree as follows:

1.       POSITION AND RESPONSIBILITIES

         During the period of her employment hereunder, the Officer shall serve
as First Senior Vice President and Senior Lending Officer of the Yardville
National Bank (the "Bank") reporting to the President of the Bank.

2.       TERMS AND DUTIES

         (A) The period of the Officer's employment agreement shall commence as
of January 31, 2000 and shall continue for a period of twelve (12) full calendar
months thereafter, unless terminated by the Bank of account of death, disability
or cause (as herein defined). This Agreement is subject to approval, for
continuation, by the President/Chief Executive Officer and the Board of
Directors of the Yardville National Bank, at the conclusion of each contract
period. Renewals shall be on the same terms and conditions as set forth herein,
except for such modification of compensation and benefits as may hereafter be
agreed upon between the parties hereto from time to time.

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         (B) During the period of employment, the Officer shall devote full time
and attention to such employment and shall perform such duties as are
customarily and appropriately vested in the First Senior Vice President and
Senior Lending Officer of a commercial bank.

3.       DEFINITIONS

         For purposes of the Agreement,

         (A) "Cause" means any of the following:

                  (i) the willful commission of an act that causes or that
                  probably will cause substantial economic damage to the Bank or
                  substantial injury to the Bank's business reputation; or,

                  (ii) the commission of an act of fraud in the performance of
                  the Officer's duties; or

                  (iii) a continuing willful failure to perform the duties of
                  the Officer's position with the Bank; or

                  (iv) the order of a bank regulatory agency or court requiring
                  the termination of the Officer's employment.

         (B) "Change in Control": means any of the following:

                  (i) the acquisition by any person or group acting in concert
                  of beneficial ownership of forty percent (40%) or more of any
                  class of equity security of the Bank or the Bank's Holding
                  Company, or

                  (ii) the approval by the Board, and appropriate regulatory
                  authorities of the sale of all or substantially all of the
                  assets of the Bank or Holding Company; or,

                  (iii) the approval by the Board and appropriate regulatory
                  authorities of any merger, consolidation, issuance of
                  securities or purchase of assets, the result of which would be
                  the occurrence of any event described in clause (i) or (ii)
                  above.

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         (C) "Disability" means a mental or physical illness or condition
rendering the Officer incapable of performing his normal duties for the Bank.

         (D) "Willfulness" means an act or failure to act done not in good faith
and without reasonable belief that the action or omission was in the best
interest of the Bank.

4.       COMPENSATION AND REIMBURSEMENT

         (A) During the period of employment, the Bank shall pay to the Officer
an annual salary of not less than $89,250.00; which salary shall be paid in
bi-weekly installments. Such salary shall be reviewed by the Board or a duly
appointed committee thereof at least annually and any adjustments in the amount
of salary on said review shall be fixed by Board from time to time.

         (B) The Bank shall provide the Officer an automobile for his individual
use, and shall pay for all reasonable travel and other reasonable expenses
incurred by the Officer in performing his obligations as First Senior Vice
President and Senior Lending Officer.

5.       TERMINATION FOR CAUSE

         (A) The Officer shall not have the right to receive compensation or
other benefits provided hereunder for any period after termination for Cause,
except to the extent that Officer may be legally entitled to participate by
virtue of COBRA or any other State or Federal Law concerning employee rights to
benefits upon termination.

6.       TERMINATION BY THE OFFICER

         (A) In the event of the Officer's voluntary termination, the Officer
shall not have the right to receive compensation or benefits as provided
hereunder after such date of termination, except to the extent that the Officer
may be legally entitled to participate by virtue of COBRA or any other State of
Federal law concerning employee rights to benefits upon termination.

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7.       CHANGE IN CONTROL

         (A) The Executive will have the option within six (6) months after a
Change in Control (as herein defined), to elect to resign his position. If the
Executive's voluntary departure is for other than death, disability or cause the
Executive shall be entitled to receive two (2) years' salary at an annual salary
currently being paid, which payment shall be made in a lump sum promptly after
the occurrence of such voluntary resignation.

         (B) In the event that within three (3) years after a Change in Control
(as herein defined), the Officer's employment is terminated by the Bank, other
than for death, disability or Cause, the Officer shall be entitled to receive
two (2) years' salary at the annual salary currently being paid, which payment
shall be made in a lump sum promptly after the occurrence of such termination.

8.       TERMINATION UPON DISABILITY

         (A) In the event that the Officer experiences a Disability during the
period of employment, salary shall continue at the same rate as was in effect on
the day of the occurrence of such Disability, reduced by an concurrent
disability benefit payments provided under disability insurance maintained by
the Bank. If such Disability continues for a period of six (6) consecutive
months, the Bank at its option may thereafter, upon written notice to the
Officer or personal representative, terminate the Officer's employment with no
further notice.

9.       GOVERNING LAW

         This Agreement and the other obligations of the parties hereto shall be
interpreted, construed and enforced in accordance with the laws of the State of
New Jersey.

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10.      ENTIRE AGREEMENT

         This instrument contains the entire agreement of the parties. It may
not be changed orally, but only by an agreement in writing signed by the party
against whom enforcement of any waiver, change, modification, extension or
discharge is sought.

         IN WITNESS WHEREOF, the parties have hereunto executed this Agreement
on the 31st day of January, 2000.

ATTEST:                                  YARDVILLE NATIONAL BANK

------------------------------           ---------------------------------
                                                 Patrick M. Ryan
                                                  President/CEO

WITNESS

------------------------------           ---------------------------------
                                                James F. Doran, Jr.
                                            First Senior Vice President

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