AMENDMENT NUMBER TWELVE




     THIS AMENDMENT NUMBER TWELVE, dated as of December 15, 1995,
by and between Hilb, Rogal and Hamilton Company, a Virginia
corporation (hereinafter called "HRH"), and Robert H. Hilb of
Glen Ellyn, Illinois (hereinafter called "Hilb"):
                           W I T N E S S E T H:
     WHEREAS, HRH and Hilb have heretofore entered into a certain
Employment Agreement ("Employment Agreement"; terms defined
therein being used herein as therein defined) dated as of June 1,
1982; and
     WHEREAS, HRH and Hilb desire to make amendments to the
Employment Agreement as set forth below, pursuant to Section 12
of the Employment Agreement;
     NOW, THEREFORE, in consideration of the mutual covenants and
promises hereinafter set forth, the parties hereto hereby agree
as follows:
     1.   Section 1 of the Employment Agreement is hereby amended
by deleting the present Section 1 and substituting in lieu
thereof of the following revised Section 1:
     "1.  HRH hereby employs Hilb and Hilb agrees to serve HRH
          for a term of fourteen years and seven months
          (hereinafter called the "initial term") commencing on
          the 1st day of June, 1982, and upon expiration of the
          said term, Hilb shall continue in the employ of HRH,
          upon all the same terms and conditions as provided
          herein, until either HRH or Hilb gives the other party
          one hundred eighty (180) days advance written notice of
          its or his intention to discontinue such relationship
          as of a specific future date."
     2.   For all purposes therein, Section 4 of the Employment
          Agreement is hereby amended by deleting the amount of $380,000
          and substituting in lieu thereof the amount of $310,000.
     3.   All other provisions or terms of the Employment
          Agreement are hereby ratified and confirmed, including, but not
          limited to, the provisions and terms of Section 7 thereof.
     4.   The effective date of this Amendment Number Twelve is
          January 1, 1996.
     IN WITNESS WHEREOF, HRH has caused this Agreement to be
executed by its officers thereunto duly authorized and Hilb has
hereunto set his hand and seal, all as of the day and year first
above written.

                         HILB, ROGAL AND HAMILTON COMPANY 


                         
                         By:/s/ Dianne F. Fox
                            ----------------------------------------
                        
                         Its:Senior Vice President & Secretary
                             ________________________________________


ATTEST:

/s/ Walter L. Smith
________________________________________




                                /s/ Robert H. Hilb
                                ___________________________________[SEAL]
                                Robert H. Hilb



WITNESS BY:
/s/ Carolyn Jones
________________________________________