Exhibit 10 (clxxiv)

                                AMENDMENT NO. 4
                                     TO THE
                      NACCO MATERIALS HANDLING GROUP, INC.
                               CASH BALANCE PLAN


         NACCO Materials Handling Group, Inc. hereby adopts this Amendment No. 4
to the Plan document  entitled "The NACCO Materials  Handling  Group,  Inc. Cash
Balance  Plan (As  Amended  and  Restated  Effective  as of April 1, 1992)" (the
"Plan"). The provisions of this Amendment shall be effective July 1, 1995. Words
and phrases used herein with initial  capital  letters  which are defined in the
Plan are used herein as so defined.


                                   Section 1

         The third sentence of Section 6.05(b) of the Plan (which was previously
amended by  Amendment  No. 1 to the Plan) is hereby  amended in its  entirety to
read as follows:

         "If a Participant's  Disability Retirement Pension commences before his
         Normal  Retirement  Date,  it shall be  payable,  except  as  otherwise
         provided  in the Plan,  for the  Participant's  lifetime,  in a reduced
         monthly amount equal to the greater of (1) or (2), where (1) equals the
         Actuarial  Equivalent  of his Accrued  Benefit sum of (A) his Immediate
         Cash Balance Annuity,  based on the Participant's  Cash Balance Account
         as of his Pension  Commencement Date, plus (B) the Actuarial Equivalent
         of his Indexed Prior Plan Benefit."

                                           EXECUTED this 30th day of June, 1995.


                                      NACCO MATERIALS HANDLING GROUP, INC.

                                      By: Charles A. Bittenbender
                                      Title:  Assistant Secretary