
<PAGE>   1
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 10-Q


[X]         QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
                       SECURITIES EXCHANGE ACT OF 1934

                      For the quarter ended       JUNE 30, 1998
                                            ---------------------------

                                       or

[ ]         TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934


For the transition period from _______________ to _______________

Commission file number 1-9635
                       ------

                             BISCAYNE APPAREL, INC.
             (Exact name of registrant as specified in its charter)


           FLORIDA                                           65-0200397
---------------------------------                        -------------------
(State or other jurisdiction                             (I.R.S. Employer
of incorporation or organization)                        Identification No.)

                  1373 BROAD STREET, CLIFTON, NEW JERSEY 07013
                -------------------------------------------------
               (Address of principal executive offices) (Zip Code)

                                 (973) 473-3240
               --------------------------------------------------
              (Registrant's telephone number, including area code)


         Indicate by check mark whether the registrant (1) has filed all the
reports required to be filed by Section 13 or 15(d) of the Securities Exchange
Act of 1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days. Yes [X] No [ ]

         At June 30, 1998, there were 10,771,622 outstanding shares of the
registrant's Common Stock, $0.01 par value.



================================================================================


<PAGE>   2




                             BISCAYNE APPAREL, INC.


                                      INDEX


PART I.  FINANCIAL INFORMATION                                         PAGE NO.

         Consolidated Balance Sheets
         June 30, 1998 and December 31, 1997....................           2

         Consolidated Statements of Operations
         Six Months Ended June 30, 1998 and 1997................           3

         Consolidated Statements of Cash Flows
         Six Months Ended June 30, 1998 and 1997................           4

         Notes to Consolidated Financial Statements.............          5-7

         Management's Discussion and Analysis of
         Financial Condition and Results of Operations..........          7-10


PART II. OTHER INFORMATION

         Item 1 - Legal Proceedings.............................           11

         Item 6 - Exhibits and Reports on Form 8-K..............           11

         Signatures.............................................           13










                                       1

<PAGE>   3
                                    BISCAYNE APPAREL, INC.
                                 CONSOLIDATED BALANCE SHEETS
                                   (Dollars in thousands)


<TABLE>
<CAPTION>
                                                         JUNE 30,   DECEMBER 31,
                                                           1998         1997
                                                         -------    ------------
                                                       (Unaudited)
<S>                                                      <C>          <C>    
ASSETS

Current assets:
  Cash and cash equivalents .......................     $    205      $   268
  Trade accounts receivable, less allowances
   of $1,476 in 1998 and $2,278 in 1997 ...........       12,756       13,509
  Inventories .....................................       26,670       17,258
  Prepaid expenses and other ......................        1,371          962
  Federal income tax receivable ...................           --           --
                                                        --------      -------
     Total current assets .........................       41,002       31,997

Property, plant and equipment, less
  accumulated depreciation of $2,846 in 1998
  and $2,517 in 1997 ..............................        2,631        2,739
Other assets, net .................................          210           81
                                                        --------      -------
                                                        $ 43,843      $34,817
                                                        ========      =======

LIABILITIES AND STOCKHOLDERS' EQUITY

Current liabilities:
  Accounts payable ................................     $  8,216      $ 4,320
  Accrued liabilities .............................        3,228        4,878
  Notes payable to banks ..........................       21,179        6,855
  Current portion of long-term debt ...............        2,500        2,000
                                                        --------      -------
     Total current liabilities ....................       35,123       18,053

Subordinated notes ................................        6,444        6,444 
Long-term debt ....................................          280        2,500
Other liabilities .................................           --          162 

Commitments and contingencies .....................           --           --

Stockholders, Equity: 
  Preferred stock - par value $0.01;
    5,000 shares authorized; no shares issued
Common stock - par value $0.01; 25,000,000 shares 
  authorized; 10,771,622 and 10,771,308 shares 
  outstanding at June 30, 1998 and 
  December 31, 1997, respectively..................          108          108
Additional paid-in capital.........................       26,610       26,610
Accumulated deficit ...............................      (24,722)     (19,060)
                                                        --------      -------
                                                           1,996        7,658   
                                                        --------      -------
     Total stockholders' equity ...................     $ 43,843      $34,817
                                                        ========      =======

</TABLE>

                            See accompanying notes.


                                       2


<PAGE>   4

                             BISCAYNE APPAREL, INC.
                      CONSOLIDATED STATEMENTS OF OPERATIONS
                (In thousands of dollars, except per share data)
                                   (Unaudited)

<TABLE>
<CAPTION>
                                                                 THREE MONTHS ENDED                     SIX MONTHS ENDED
                                                                       JUNE 30,                              JUNE 30,
                                                           -------------------------------       -------------------------------
                                                               1998                1997              1998               1997
                                                           ------------       ------------       ------------       ------------

<S>                                                        <C>                <C>                <C>                <C>         
Net sales ...........................................      $     14,517       $     12,845       $     25,828       $     27,694

Operating costs and expenses:
  Cost of goods sold ................................            11,880              9,824             20,782             20,861
  Selling, general and administrative ...............             4,623              4,791              9,182              9,738
                                                           ------------       ------------       ------------       ------------
Operating loss ......................................            (1,986)            (1,770)            (4,136)            (2,905)

Other income and (expenses):
 Interest and other expenses ........................              (870)              (707)            (1,530)            (1,262)
 Interest and other income ..........................                --                  8                  4                 21
                                                           ------------       ------------       ------------       ------------
Loss before income tax provision (benefit) ..........            (2,856)            (2,469)            (5,662)            (4,146)

Income tax provision (benefit) ......................               903             (1,011)                --             (1,578)
                                                           ------------       ------------       ------------       ------------
Net loss ............................................      $     (3,759)      $     (1,458)      $     (5,662)      $     (2,568)
                                                           ============       ============       ============       ============
Basic and diluted loss per common share .............      $      (0.35)      $      (0.14)      $      (0.53)      $      (0.24)
                                                           ============       ============       ============       ============
Shares used in computing basic and diluted loss              
 per common share ...................................        10,771,662         10,762,895         10,771,622         10,753,037 
                                                           ============       ============       ============       ============   

</TABLE>


                            See accompanying notes.


                                       3
<PAGE>   5
                             BISCAYNE APPAREL, INC.
                     CONSOLIDATED STATEMENTS OF CASH FLOWS
                             (Dollars in thousands)
                                  (Unaudited)
<TABLE>
<CAPTION>
                                                                         SIX MONTHS ENDED
                                                                              JUNE 30,
                                                                      ----------------------- 
                                                                        1998           1997
                                                                      --------       -------- 
<S>                                                                   <C>            <C>      
Operating activities:
 Net loss ......................................................      $ (5,662)      $ (2,568)
 Adjustments to reconcile net loss to net cash
  used in operating activities:
   Loss on sale of assets ......................................            --              3
   Depreciation expense ........................................           328            288
   Amortization expense ........................................            (9)            73
   Amortization of unearned stock award compensation ...........            --             34
   Amortization of warrant costs ...............................            35            104
   Provision for losses and sales allowances on receivables ....         1,274          1,312

 (Increase) decrease in operating assets:
  Trade accounts receivable ....................................          (521)         1,432
  Inventories ..................................................        (9,412)       (13,476)
  Prepaid expenses and other ...................................          (409)           105
  Federal income tax receivable ................................            --         (1,552)
  Other assets .................................................          (155)          (116)

 Increase (decrease) in operating liabilities:
  Accounts payable .............................................         3,896          4,642
  Accrued liabilities ..........................................        (1,643)        (2,048)
  Other liabilities ............................................           153           (115)
                                                                      --------       -------- 
    Net cash used in operating activities ......................       (12,125)       (11,882)

Investing activities:
 Capital expenditures ..........................................          (220)          (179)
                                                                      --------       -------- 
   Net cash used in investing activities .......................          (220)          (179)

Financing activities:
 Payments under notes payable to banks .........................       (26,141)        (9,258)
 Borrowings under notes payable to banks .......................        40,465         23,079
 Principal payments under term loan ............................        (2,000)        (1,750)
 Principal payments of long-term debt and capital leases .......           (42)           (42)
 Proceeds from exercise of employee stock options ..............            --             18
                                                                      --------       -------- 
   Net cash provided by financing activities ...................        12,282         12,047

Net decrease in cash and cash equivalents ......................           (63)           (14)
Cash and cash equivalents at beginning of year .................           268            327
                                                                      --------       -------- 
Cash and cash equivalents at end of period .....................      $    205       $    313
                                                                      ========       ========

 Interest expense paid .........................................      $ 1 ,464       $  1,142
 Income taxes paid .............................................      $     12       $     --


</TABLE>


                             See accompanying notes.


                                       4

<PAGE>   6



                             BISCAYNE APPAREL, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS


1.       The accompanying unaudited consolidated financial statements,
         which are for an interim period, do not include all
         disclosures provided in the annual consolidated financial
         statements.  These unaudited consolidated financial statements
         should be read in conjunction with the consolidated financial
         statements and the footnotes with respect thereto, contained
         in the Biscayne Apparel, Inc., ("Company") 1997 Annual Report
         on Form 10-K.

         The consolidated financial statements of the Company include the
         accounts of the parent company, and its wholly-owned subsidiaries,
         Biscayne Apparel International, Inc. ("BAII"), and M&L International,
         Inc. ("M&L") and its wholly-owned subsidiaries, Unidex Garments
         (Philippines), Inc., Watersports Garment Manufacturing, Inc., Teri
         Outerwear Manufacturing, Inc., GES Sportswear Manufacturing Corp. and
         M&L International (H.K.) Limited. As of March 1, 1996, Unidex,
         Watersports, Teri, and GES ceased operations due to operating losses
         caused by labor increases and production inefficiencies. Through
         December 31, 1997, BAII operated through two divisions, Andy Johns
         Fashions International ("Andy Johns") and Varon, and its wholly-owned
         subsidiaries, Mackintosh of New England Co., ("Mackintosh") Mackintosh
         (U.K.) Limited, and Amy Industries De Honduras, S.A. de C.V. As of
         January 1, 1998, the assets, liabilities and operations of Andy Johns
         were contributed by BAII into Mackintosh. All material intercompany
         balances and transactions have been eliminated. Certain amounts
         included in prior period financial statements have been reclassified to
         conform with the 1998 presentation.

         The preparation of financial statements in conformity with generally
         accepted accounting principles requires management to make estimates
         and assumptions that affect the reported amounts of assets and
         liabilities and disclosure of contingent assets and liabilities at the
         date of the financial statements and the reported amounts of revenues
         and expenses during the reporting period. The most significant
         assumptions and estimates relate to sales allowances, inventory
         reserves, and recoverability of assets. Actual results could differ
         from those estimates.

2.       In the opinion of the Company, the accompanying unaudited consolidated
         financial statements contain all adjustments (consisting of only normal
         recurring accruals) necessary for a fair presentation of the financial
         statements.

3.       The results of operations for the six month periods ended June 30, 1998
         and 1997 are not necessarily indicative of the results to be expected
         for the full year.


                                       5
<PAGE>   7



4.       Effective for the year ending December 31, 1997, the Company adopted
         Statement of Financial Accounting Standards No. 128 "Earnings Per
         Share" ("FAS No. 128") which requires the presentation of basic
         earnings per share ("Basic EPS"), and diluted earnings per share
         ("Diluted EPS").  Basic EPS excludes dilution and is computed by
         dividing net income (loss) by the weighted-average number of common
         shares outstanding for the period.  Diluted EPS reflects the dilutive
         effect if securities or other contracts to issue common stock were
         exercised or converted.  FAS No. 128 requires the restatement of all
         prior period earnings per share data presented including interim
         periods.

         The numerator and denominator of the basic and dilutive per share
         computations are as follows (in thousands, except per share amounts):

<TABLE>
<CAPTION>
                                            QUARTER ENDED                      SIX MONTHS ENDED
                                                JUNE 30                             JUNE 30
                                   -------------------------------       ------------------------------- 
                                       1998               1997                1998               1997
                                   ------------       ------------       ------------       ------------ 
<S>                                <C>                <C>                <C>                <C>          
         Numerator: Net Loss       $     (3,759)      $     (1,458)      $     (5,662)      $     (2,568)
         Denominator:
           Shares
           Outstanding               10,771,622         10,762,895         10,771,622         10,753,037
         Basic and Dilutive
           Net Loss Per Share      $      (0.35)      $      (0.14)      $      (0.53)      $      (0.24)

</TABLE>


         The Company has not included potential common shares in the Diluted EPS
         computation as the result is antidilutive.

         Options and warrants to purchase 1,311,838 and 982,903 shares of common
         stock at prices ranging from $0.75 to $2.44 per share were outstanding
         at June 30, 1998 and 1997, respectively. These shares were not included
         in the computation of Diluted EPS because the options' exercise price
         was greater than the average market price of the common shares. The
         options outstanding at June 30, 1998 expire from November 1998 to
         November 2007.

5.       Inventories at June 30, 1998 and December 31, 1997 are comprised of the
         following:

                             JUNE 30, 1998   DECEMBER 31, 1997
                             -------------   -----------------

         Raw materials        $ 6,423,000      $ 4,067,000
         Work-in-process        4,315,000        1,944,000
         Finished goods        15,932,000       11,247,000
                              -----------      -----------
                              $26,670,000      $17,258,000
                              ===========      ===========


6.       Included in accounts payable at June 30, 1998 and June 30, 1997 are the
         Company's obligations under outstanding letters of credit of $3,532,000
         and $3,761,000, respectively.



                                       6
<PAGE>   8



7.       On March 25, 1998 Biscayne amended its Loan Agreement to reduce the
         Revolver Agreement to $39,000,000; adjust the interest rate for the
         Revolver Agreement borrowings to prime plus 1.5%, require fees of
         $350,000 for the period March 1998 to March 1999 and waive violations
         of certain covenants during the 1997 period.  Additionally, if certain
         Revolver borrowing levels are exceeded beginning in the 1998 fourth
         quarter, the interest rates for the Revolver are increased to prime
         plus 3% and the interest rate for the Term Loan is increased to prime
         plus 3% or LIBOR plus 5.5%.

8.       In June 1997, Statement of Financial Accounting Standards No. 131
         "Disclosures about Segments of an Enterprise and Related Information"
         was issued, effective for the fiscal year ending December 31, 1998.
         Earlier adoption for interim periods is not required, and the Company
         is currently evaluating the financial statement impact.


ITEM 2.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL
         CONDITION AND RESULTS OF OPERATIONS

RESULTS OF OPERATIONS

QUARTER ENDED JUNE 30, 1998 VERSUS QUARTER ENDED JUNE 30, 1997:

Net sales for the second quarter of 1998 were $14,517,000, which exceeded the
second quarter 1997 sales by 13%. The increase was the result of a sales
increase at M&L offset by slight sales decreases at Mackintosh and Varon. Second
quarter sales typically approximate 10-15% of total year sales, due to the
Company's seasonal business.

Cost of goods sold, as a percentage of net sales was 82% versus 76% for the
quarter ended June 30, 1998 and 1997, respectively. The increase is primarily
due to higher costs of production at Varon.

Selling, general and administrative expenses ("S,G&A") as a percentage of net
sales decreased to 32% in 1998 from 37% in 1997. This decrease is a result of
management's continuous efforts to reduce costs.

OTHER

Interest and other expense for the quarter ended June 30, 1998 increased to
$870,000 from $707,000 in the 1997 second quarter due to higher borrowings.





                                       7



<PAGE>   9



SIX MONTHS ENDED JUNE 30, 1998 VERSUS SIX MONTHS ENDED JUNE 30,
1997:

Net sales for the first six months of 1998 decreased to $25,828,000 from the
first six months of 1997 sales of $27,694,000. The 7% decrease was due to soft
spring sales at Mackintosh and Varon. First half sales are historically low, due
to the Company's seasonal business.

Consolidated sales backlog at July 17, 1998 was $45,585,000, compared to
$62,294,000 at July 16, 1997. The decrease of 27% is largely due to decreased
sales backlog in each of the Company's operating units.

Cost of goods sold, as a percentage of net sales, was 80% versus 75% for the six
months ended June 30, 1998 and 1997, respectively. The increase is mainly
attributable to higher costs of production at Varon.

S,G&A decreased to $9,182,000 for the six months ended June 30, 1998, compared
to $9,738,000 in 1997. This 6% decrease results from further cost reductions,
particularly in Mackintosh, and lower sales volume.

During the fourth quarter of 1996, the Consumer Product Safety Commission
("CPSC") issued 1998 rules for the manufacturing of all cotton thermal and long
underwear products. These rules have had two effects: i) sleepwear manufacturers
are now able to produce their products in cotton, and ii) such cotton sleepwear
products now have to be "tight fitting". As a result of these regulations, the
Company expects significant changes in Varon's competitive environment related
to such products. The impact on Varon's market position is unknown. Varon could
face the following: i) a decrease in market share due to increased competition
from sleepwear manufacturers, and ii) a potential market shift, from customers
who previously purchased sleepwear when it was not required to be "tight
fitting", now purchasing other products. Alternatively, Varon may be able to
increase its market share of newly-approved cotton sleepwear, due to its current
expertise in manufacturing, if it can take away market share from heretofore
non-cotton sleepwear product sales. These regulations could impact up to
one-third of Varon's revenues.

OshKosh B'Gosh, Inc. ("OshKosh") notified M&L during the second quarter of 1997
that it will not renew its outerwear license with M&L after May 31, 1998. As
part of a strategy adopted over the last several years, OshKosh will sell
directly to retailers. For the six months ended June 30, 1998 and 1997, M&L's
sales of OshKosh outerwear were $9,336,000 and $5,290,000 respectively, and for
the year ended December 31, 1997 M&L's sales of OshKosh outerwear were
$19,888,000. M&L's strategy is to replace the OshKosh brand sales of outerwear
with several well-known brand name children's outerwear and activewear licenses.
It is unknown whether M&L's strategy will be successful in replacing such levels
of OshKosh sales and related margins in the future.



                                       8
<PAGE>   10



The apparel industry is subject to substantial cyclical variation, with
purchases of apparel and related goods tending to decline during recessionary
periods when disposable income is low. This could have a material adverse effect
on the Company's business.

Certain information included herein contains forward-looking statements which
are made pursuant to the safe harbor provisions of the Private Securities
Litigation Reform Act of 1995. These forward-looking statements involve risks
and uncertainties that could cause actual results to differ materially from the
forward- looking statements. Those risks include, but are not limited to,
product acceptance and availability, changes in the level of consumer demand
and/or spending, fashion trends, weather patterns, further governmental
regulations, etc. All forward-looking statements should be considered in light
of these risks and uncertainties.

OTHER

Interest and other expenses for the six months ended June 30, 1998 increased to
$1,530,000 from $1,262,000 for the comparable period of 1997. The increase is
primarily due to higher borrowings.

INCOME TAXES

For the six months ended June 30, 1998, the Company recorded valuation
allowances relating to deferred tax assets and Federal and state net operating
loss carryforwards, due to the Company sustaining operating losses. Any future
tax provisions would be offset against such valuation allowances and net
operating loss carryforwards.

LIQUIDITY AND CAPITAL RESOURCES

Cash and cash equivalents were $205,000 and $268,000 at June 30, 1998 and
December 31, 1997, respectively. At June 30, 1998, the Company's working capital
was $5,879,000, representing a current ratio of 1.17 to 1. This compares to
working capital of $13,944,000 and a current ratio of 1.77 to 1 at December 31,
1997. These changes are due to seasonal reductions of accounts receivable,
increased inventories, increased bank debt and operating losses sustained.

As presented in the Consolidated Statements of Cash Flows for the six months
ended June 30, 1998, the increase in inventories of $9,412,000 and accounts
payable of $3,896,000 and the decrease in accrued liabilities of $1,643,000 are
due to the seasonality of the Company's operations. On March 31, 1998 the
Company repaid $2,000,000 of its long-term debt.

Capital expenditures for the six months ended June 30, 1998 increased to
$220,000 from $179,000 in 1997. The increase is mainly attributable to increased
leasehold improvements at Mackintosh offset by decreased equipment expenditures
at M&L.



                                       9
<PAGE>   11




The Company expects that cash on hand, cash from operations, and borrowings
under its revolving credit agreement will be sufficient to fund current
operations and to enable the Company to meet its obligations as they become due.

EFFECT OF INFLATION AND SEASONALITY

The Company believes that inflation will not significantly effect its profit
margins, or have a material effect on the prices of other goods and services
used in its business operations. Further, in connection with increases in wool
and cotton costs over the last several years, the Company has increased offshore
production.

Sales of women's and children's outerwear are seasonal. Historically,
Mackintosh, M&L, and Varon have significantly higher revenues in the third and
fourth quarters than in the first and second quarters. Therefore, the results of
any interim period are not necessarily indicative of the results which might be
expected during a full year. Additionally, there is a risk inherently related to
the outerwear industry, resulting from consumer reactions to weather patterns,
which have had a material effect on the Company's sales and profitability in the
past.



                                       10
<PAGE>   12



PART II. OTHER INFORMATION

ITEM 1.  LEGAL PROCEEDINGS

                  The Company is, from time to time, involved in routine
litigation. None of such litigation in which the Company is presently involved
is material to its financial position or results of operations.

ITEM 4.  SUBMISSION OF MATTERS TO VOTE OF SECURITY HOLDERS

            a)    The Registrant held its Annual Meeting of Shareholders on June
                  3, 1998.

            b)    Not required.

            c)    The matter voted on at the Annual Meeting of Shareholders, and
                  the tabulation of votes on such matter is as follows:

            1.    ELECTION OF DIRECTORS

<TABLE>
<CAPTION>
                                                                           BROKER
                     NAME                        FOR           WITHHELD   NON-VOTES

<S>                                            <C>              <C>           <C>
                  Harold E. Berritt            8,062,141        348,792      -0-
                  Phillip T. George, M.D       8,073,138        337,795      -0-
                  Joseph B. Gildenhorn         8,073,210        337,723      -0-
                  Kurt C. Gutfreund            8,072,108        338,825      -0-
                  R. Stephen Lefler            8,064,728        346,205      -0-
                  James J. Pinto               8,064,800        346,133      -0-
                  Earl Powell                  8,073,066        337,867      -0-
                  Peter Vandenberg, Jr         8,073,138        337,795      -0-

</TABLE>


ITEM 6. EXHIBITS AND REPORTS ON FORM 8-K

            a)    Exhibits:

                  10.1  Fifth Amendment and Waiver to Second Amended and
                        Restated Credit Agreement and Guaranty dated as of June
                        8, 1998 among the Registrant, Biscayne Apparel
                        International, Inc., Mackintosh of New England Co., and
                        M&L International, Inc. and The Chase Manhattan Bank
                        (National Association) as Agent and Milberg Factors,
                        Inc. as Servicing Agent.

                  10.2  Second Amendment to Stock Purchase Warrants certificate
                        numbers W-1 through W-5 issued March 28, 1996 dated as
                        of June 4, 1998 between the Registrant and The Chase
                        Manhattan Bank, Corestates Bank, N.A., BankBoston, N.A.,
                        Fleet Bank, N.A. and Milberg Factors, Inc.,
                        respectively.




                                       11
<PAGE>   13



                  10.3  Security Agreement and Mortgage-Trademarks Agreement,
                        dated as of March 25, 1998, between Mackintosh of New
                        England Co. and The Chase Manhattan Bank.

                  11    Computation of Per Share Earnings

                  27    Financial Data Schedule

            b)    Reports on Form 8-K:

                  During the quarter for which this Quarterly Report on Form
                  10-Q is filed, the Registrant filed a current report on Form
                  8-K, dated June 16, 1998.



                                       12
<PAGE>   14



                                   SIGNATURES


         Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized:

                                           BISCAYNE APPAREL, INC.


Date:  August 13, 1998             By: /s/ Earl W. Powell
                                      --------------------------------------
                                      Earl W. Powell
                                        Chairman of the Board and Chief
                                        Executive Officer



Date:  August 13, 1998             By: /s/ Peter Vandenberg, Jr.
                                      --------------------------------------
                                      Peter Vandenberg, Jr.
                                        President, Chief Operating Officer,
                                        Treasurer and Chief Financial
                                        Officer












                                       13





