ERIE FAMILY LIFE INSURANCE CO
<DOCUMENT>
<TYPE>EX-10.18
<SEQUENCE>6
<FILENAME>0006.txt
<TEXT>

                        ADDENDUM TO EMPLOYMENT AGREEMENT


         This Addendum (the  "Addendum") is made effective as of the 15th day of
December,  2000 and is intended  to amend a certain  Employment  Agreement  (the
"Agreement")  by and  between  Erie  Indemnity  Company  and  Jeffrey A.  Ludrof
effective as of June 30, 1999.

         WHEREAS,  the Company has determined that it is in the best interest of
the Company  and its  Shareholders  to secure the  continued  employment  of the
Executive in accordance with the terms of the Agreement; and

         WHEREAS,   the  Board  of  Directors  of  the  Company  has  previously
considered  and agreed to extend  the term of the  Agreement  from its  original
term; and

         WHEREAS,  the Board of  Directors  of the  Company  at its  meeting  of
December  12, 2000 has again  agreed to extend the term of the  Agreement  for a
period of one (1) additional year as contained herein; and

         WHEREAS, the Executive is agreeable to the extension of the Agreement.

         NOW, THEREFORE, intending to be legally bound hereby, the parties agree
         as follows:

         1.  Paragraph 1 of the Agreement with respect to the Term is hereby
amended by extending the Term to expire on December 15, 2002.

         2.  All other terms and conditions of the Agreement remain in full
force and effect.

ATTEST:                                              ERIE INDEMNITY COMPANY


/s/ Jan R. Van Gorder                         By:  /s/ F. William Hirt
    Jan R. Van Gorder                                  F. William Hirt
    Secretary                                          Chairman of the Board


WITNESS:

/s/ Debra J. Miller                                /s/ Jeffrey A. Ludrof
    Debra J. Miller                                    Jeffrey A. Ludrof
    Executive Secretary                                170 Gateway Drive
                                                       Fairview, PA   16415

                                       36

</TEXT>
</DOCUMENT>
