to the

                                                              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 0000 Xxxxxxxx Xxxxxxxxx,
      Xxxx Xxxxx, Xxxxx 00000.  The address of the REINSURER, for the purpose
      of this AGREEMENT, is  00000 Xxxxxx Xxxxxxx,  Xxxxx 000, Xxxxxx,  Xxxxx
      00000."

 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 TEXAS