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                                                                   Exhibit 10(f)


LONG-TERM DISABILITY INSURANCE


         The Company's long-term disability insurance plan provides for
long-term disability coverage to all employees of the Company who become
eligible after a one-year waiting period based on plan requirements. Under the
plan, eligible employees who become totally disabled as defined in the plan
would receive 60% of monthly earnings, subject to a maximum schedule amount of
$5,000 per month without evidence of insurability. The Corporation's executive
officers, including its five most highly compensated officers, are covered under
the plan, subject to a maximum schedule amount of $18,000 per month.





