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                                                                   Exhibit 10-20

                     FIRST AMENDMENT TO SEVERANCE AGREEMENT



         This FIRST AMENDMENT TO SEVERANCE AGREEMENT (this "Amendment") is
executed by DAVID L. REDMOND ("Executive") and PHARMACY MANAGEMENT SERVICES,
INC. (the "Company"), a Florida corporation, to amend the Severance Agreement
dated August 1, 1993, between Executive and the Company (the "Severance
Agreement").  Executive and the Company agree as follows:

1.       Defined Terms.  Unless expressly defined in this Amendment, the
capitalized terms used in this Amendment have the definitions attributed to
them in the Severance Agreement, and the definitions of those terms in the
Severance Agreement are incorporated by reference in this Amendment.

         Section 1 of the Severance Agreement is amended to add the following
definition:

         "Code" means the Internal Revenue Code of 1986, as amended.

2.       Excise Tax Indemnification.  The Severance Agreement is amended to add
the following paragraph to the end of section 4:

                 The Company shall indemnify and hold harmless Executive from
         the  following (the "Indemnified Tax Liability"):  (a)  any excise tax
         imposed by section 4999 of the Code on any payment in the nature of
         compensation to (or for the benefit of) Executive from the Company (or
         any successor in interest) that constitutes an "excess parachute
         payment" under section 280G of the Code, including indemnity payments
         pursuant to this paragraph, and whether paid pursuant to this or any
         other agreement or constituting property transfers pursuant to stock
         options and other employee benefits that vest upon a change in the
         ownership or effective control of the Company; and (b) from all
         estimated state and federal income tax imposed on all indemnity
         payments to Executive pursuant to the indemnification provisions of
         this paragraph (based on the highest marginal tax rate).  If any
         payments (including any property transfers) by the Company in the
         nature of compensation to (or for the benefit of) Executive will
         constitute an "excess parachute payment" under section 280G(b) of the
         Code, the Company shall pay to Executive, on demand, a cash sum in an
         amount sufficient (on grossed-up basis), to hold Executive harmless
         from the Indemnified Tax Liability, so the amounts received by
         Executive will not be diminished by an excise tax imposed under
         section 4999 of the Code or by any federal income tax payable in
         respect of the indemnity payments received by Executive pursuant to
         this paragraph.

3.       Continued Effectiveness;  Effective Date.  Except as amended by this
Amendment, the Severance Agreement continues in full force and effect.  This
Amendment will become effective when executed by Executive and the Company.


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EXECUTED: February 16, 1995, in Tampa, Florida

WITNESS:                                      PHARMACY MANAGEMENT
                                                  SERVICES, INC.
                                              
                                              
By: /s/ Judith R. Littlefield                  By: /s/ Cecil S. Harrell (SEAL)
    -----------------------------                  ----------------------------
By: /s/ R. Gayle Miller                                 Cecil S. Harrell
    -----------------------------                   Chairman of the Board and
                                                     Chief Executive Officer
                                                     
                                              
                                              
                                              
By: /s/ Janette L. Barr                        By: /s/ David L. Redmond
    -----------------------------                  ----------------------------
By: /s/ Christina Scalice                              David L. Redmond
    -----------------------------                      
       (As to Mr Redmond)                        


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