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                                  EXHIBIT 10.1

                    AMENDMENT FOURTEEN TO MARKETING AGREEMENT

This document is Amendment Fourteen to the Marketing Agreement, made and entered
into effective June 1, 1993, and amended by Amendment One to Marketing Agreement
dated September 16, 1993; Amendment Two to Marketing Agreement dated June 4,
1998; Amendment Three to Marketing Agreement dated September 25, 1998; Amendment
Four to Marketing Agreement dated October 19, 1998; and Amendment Five to
Marketing Agreement dated December 15, 1998; Amendment Six to Marketing
Agreement dated March 25, 1999, Amendment Seven to Marketing Agreement dated May
10, 1999, Amendment Eight to Marketing Agreement dated June 24, 1999, Amendment
Nine to Marketing Agreement dated August 5, 1999, Amendment Ten to Marketing
Agreement dated October 1, 1999, Amendment Eleven to Marketing Agreement dated
January 31, 2000, Amendment Twelve to Marketing Agreement dated February 29,
2000, and Amendment Thirteen to Marketing Agreement dated April 19, 2000, (the
"Agreement"), by and between American National Insurance Company ("American
National") a Texas corporation, and Legacy Marketing Group ("LMG"), a California
corporation.

In consideration of mutual covenants contained herein, the parties agree as
follows:

1.      Section 3.1 of the Agreement is hereby deleted in its entirety and the
        following new Section 3.1 shall be substituted therefore:

        "3.1 Subject to termination as hereinafter provided, this Agreement
        shall remain in force and effect until the close of business on
        September 30, 2000, the term of this Agreement. This Agreement may be
        renewed by mutual agreement for successive terms of one (1) year unless
        terminated by either party by prior written notice to the other at least
        one hundred eighty (180) days prior to the end of the initial term or
        the renewal term."

2.      Except as specifically amended hereby, all terms and provisions of the
        Marketing Agreement shall remain in full force and effect.



        LEGACY MARKETING GROUP                     AMERICAN NATIONAL INSURANCE
                                                   COMPANY
                                        
        By:       /s/ Preston Pitts          By:        /s/ Kelly M. Collier
                  -----------------                     --------------------

        Title:    President                  Title:     V. P. Alternative Distribution
                  ---------                             ------------------------------

        Witness:  /s/ Anne Sedleniek         Witness:   /s/Nicole Abraham
                  ------------------                    -----------------

        Date:     July 31, 2000              Date:      July 6, 2000
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