

 Exhibit 99.

    The prospectus utilized in connection with the offering subject 
    to the form S-8 Registration Statement Number 33-48690 will not 
    require any new information not already contained therein for 
    utilization with this further offering.  It is registrant's intent 
    only to provide a current date for the prospectus, amend a minimal 
    amount of language on tax effects of participation so as to update 
    to current statutory rates on federal income taxes, and to adjust 
    the numbers of shares authorized in the 1992 Plan to reflect a two-
    for-one stock split effected by registrant in March, 1994.

