EXHIBIT 10.11

                     KEY EMPLOYEES' AUTOMOBILE INCENTIVE PROGRAM


       The Key Employee's Automobile Incentive Program involves leased
automobiles for officers and other key employees in the United States.  Key
subsidiary employees are not included in this program since they already have
automobiles paid for by the Company.

       The plan is essentially an incentive for key officers and key employees
to reach net income objectives for 1996 and 1997.  Individuals involved in this
program are required to lease automobiles in their name and provide appropriate
insurance and maintenance.  The lease expense, not the insurance nor the
maintenance, will be paid for by the Company if the increase in net income for
the year exceeds 35 percent.  This is applicable to 1996 and 1997.  If the
increase in net income for either year does not exceed 35 percent, the employee
will be responsible for lease payments as well as insurance and maintenance.
The Company would pay up to the following limits on a monthly basis:

                      Chief Executive Officer             $1,000
                      Senior Officers                       $800
                      Officers                              $600
                      Key Employees                         $400

       If the Company is able to achieve a net income increase of 35 percent
for both 1996 and 1997, the Company would also pay up to the following limits on
the remaining payout of the leased vehicles:

                      Chief Executive Officer             $45,000
                      Senior Officers                     $35,000
                      Officers                            $25,000
                      Key Employees                       $15,000


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