AMENDMENT NO. 3 TO LOAN AGREEMENT Pursuant to Section 8.7 of the Loan Agreement, this Amendment No. 3 to the Loan Agreement dated as of August 11, 1997 and amended June 30, 1998 and April 10, 2000, is hereby amended as of May 22, 2001 as follows: The...

                                                                Exhibit 10.1


                                 AMENDMENT NO. 3
                                TO LOAN AGREEMENT



Pursuant to Section 8.7 of the Loan Agreement,  this Amendment No. 3 to the Loan
Agreement  dated as of August 11, 1997 and  amended  June 30, 1998 and April 10,
2000, is hereby amended as of May 22, 2001 as follows:

The definition of "Termination Date" set forth in Section 1, Definitions, of the
Loan Agreement is hereby deleted in its entirety and replaced with the following
definition to read as follows:


     "Termination  Date" means December 31, 2003,  unless extended or terminated
     earlier pursuant to Section 2.4 of the Agreement.


     IN WITNESS WHEREOF,  each of the parties hereto has duly executed or caused
     this Amendment No. 3 to be duly executed by its  authorized  officers as of
     the date and year first written above.



                                          BORROWER:



                                          /S/ Xxxxxxx X. Xxxxxx, M.D.        
                                          Xxxxxxx X. Xxxxxx, M.D.



                                          LENDER:

                                          SIERRA HEALTH SERVICES, INC.



                                          By:    /S/ Xxxxx Xxxxxxx           
                                          Title: Sr. Vice President, Legal
                                                 and Administration