Exhibit 10.18
                                 AMENDMENT NO. 1

                                     to the

                              CLAIMS ADMINISTRATION
                               SERVICES AGREEMENT
                            EFFECTIVE OCTOBER 1, 1997

                                 by and between

              INSPIRE INSURANCE SOLUTIONS, INC., formally known as
                   MILLERS INTEGRATED CLAIMS RESOURCES, INC.,
                                   ("INSPIRE")

                                       AND

                      MILLERS MUTUAL FIRE INSURANCE COMPANY
                     AND MILLERS CASUALTY INSURANCE COMPANY
                                  ("CUSTOMER")

     WHEREAS, INSpire and Customer have entered into this Agreement for the
claims administration of certain insurance policies to be issued by Customer;

     WHEREAS, Customer desires to have INSpire provide additional
services;

     WHEREAS, the parties, as a result, have agreed to amend this
Agreement;

     NOW, THEREFORE, the Claims Administration Services section of Exhibit II
Service Fees & Rates is amended by adding at the end of said section the
following:

     Effective May 1, 1998, INSpire will provide Claims Administration Services
for Customer for policies issued through the Classic Auto Managing General
Agency. In lieu of all other fees listed in the Claims Administration section of
Exhibit II, Customer agrees to pay a monthly service fee to INSpire of 7.5% of
the gross earned premium resulting from said policies. In addition, expenses for
subrogation and salvage will be passed through to Customer by INSpire. Special
Investigation Services will be provided to Customer by INSpire for $60.00 per
hour plus incurred expenses.

     Effective April 1, 1998, INSpire will provide Claims Administration
Services for Customer for policies issued through the Sun Coast General
Insurance Agency, Inc. In lieu of all other fees listed in the Claims
Administration section of Exhibit II, Customer agrees to pay a monthly service
fee to INSpire of 7.5% of the Gross Earned Premium resulting from said policies.
In addition, expenses for subrogation and salvage will be passed through to
Customer by INSpire. Special Investigation Services will be provided to Customer
by INSpire for $60.00 per hour plus incurred expenses.

     Effective April 1, 1998, INSpire will provide Claims Administration
Services for Customer for policies issued through the Pinnacle Managing General
Agency.

     Effective June 1, 1998, INSpire will provide Claims Administration Services
for Customer for policies issued through Lane & Associates, Inc.

     Effective December 1, 1998, INSpire will provide Claims Administration
Services for Customer for policies issued through Southern Insurance
Underwriters, Inc.

     Gross Earned Premium shall mean the monthly direct written premium plus
beginning unearned premium less ending unearned premium for policies issued
through the agency.

     The provisions of this Agreement shall remain otherwise
unchanged

     INSPIRE AND CUSTOMER CERTIFY BY THEIR UNDERSIGNED AUTHORIZED AGENT THAT
THEY HAVE READ THIS AMENDMENT AND AGREE TO BE BOUND BY ITS TERMS AND CONDITIONS.

INSpire Insurance Solutions,       Millers Mutual Fire Insurance
Inc.                               Co.


By: /S/ JEFFREY W. ROBINSON        By: /S/ JOY J. KELLER
    ---------------------------        ----------------------------
Name: Jeffrey W. Robinson          Name: Joy J. Keller
Title: Executive Vice President    Title: Executive Vice President and CFO
Date: December 31, 1997            Date: December 31, 1997


                                   The Millers Casualty Insurance
                                   Company

                                   By: /S/ JOY J. KELLER
                                       ---------------------------
                                   Name: Joy J. Keller
                                   Title: Executive Vice President and CFO
                                   Date: December 31, 1997