EXHIBIT 99



                           EXHIBIT INDEX



         Exhibit
          Number                 Description 


           4(a)     Copy of Second Amended Line of Credit Loan Agreement
                    providing for the Issuance of a Line of Credit Note
                    in the amount of $27,000,000.


           4(b)     Copy of Line of Credit Note Under Second Amended Line
                    of Credit Loan Agreement.

           (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 three months ended
                    September 30, 1995 (without financial statements).

           (27)     Financial Data Schedule for the quarter ended
                    September 30, 1995.