EXHIBIT 99



                           EXHIBIT INDEX



     Exhibit
     Number                 Description 




       15      Letter from independent public accountants         
               pursuant to paragraph (d) of Rule 10-01 of         
               Regulation S-X (incorporated by reference to       
               Independent Accountants' Review Report at page 2   
               hereof).

       20      Report to Stockholders for the six months ended  
               December 31, 1994 (without financial statements).

       27      Financial Data Schedule for the six months ended   
               December 31, 1994.