EX 3.6

AMENDMENT  TO  RESTATED   ARTICLES  OF   INCORPORATION   ADDING  ARTICLE  TWELVE
(INCORPORATED  BY  REFERENCE  TO EXHIBIT  6(a) TO FORM 10-Q FOR  QUARTER  ENDING
SEPTEMBER 30, 1991)

                          ARTICLES OF AMENDMENT TO THE
                      RESTATED ARTICLES OF INCORPORATION OF
                         UNITED SERVICES ADVISORS, INC.

     Pursuant to the Texas Business Corporation Act, the undersigned corporation
hereby  adopts the following  Articles of Amendment to its Restated  Articles of
Incorporation.

                                    ARTICLE I

     The name of the corporation is United Services Advisors, Inc.

                                   ARTICLE II

     The  following  amendment to the Restated  Articles of  Incorporation  were
adopted by shareholders of the corporation on the 16th day of October 1991.

     The  amendment  adds a new  Article  Twelve  allowing  consent  actions  by
shareholder by other than unanimous written consent.

                                 ARTICLE TWELVE

     Any action  required by the Texas Business  Corporation  Act to be taken at
any annual or special meeting of shareholders,  or any action which may be taken
at any  annual  or  special  meeting  of  shareholders,  may be taken  without a
meeting,  without prior notice,  and without a vote  provided:  (1) a consent or
consents in writing, setting forth the action so taken, are signed by the holder
or holders of shares having not less than the minimum number of votes that would
be necessary to take such action at a meeting at which the holders of all shares
entitled to vote on the action were present and voted;  and (2) prompt notice of
such action is given to those shareholders  entitled to vote who did not consent
in writing to the action.

                                   ARTICLE III

     The amendment made by these Articles of Amendment to the Restated  Articles
of  Incorporation  has been  effected in conformity  with the  provisions of the
Texas  Business  Corporation  Act,  and  such  amendment  was  duly  adopted  by
shareholders of the corporation on October 16, 1991.

                                   ARTICLE IV

     The  number  of  shares  entitled  to vote on the  amendment  made by these
Articles  of  Amendment  to the  Restated  Articles of  Incorporation,  the same
constituting all of the outstanding shares of the corporation's Common Stock was
779,320.  The number of shares of Common Stock which voted for the amendment was
572,202,  and the  number of shares of Common  Stock  which  voted  against  the
amendment was zero.

                                    ARTICLE V

     The amendment does not effect a change in the amount of stated capital.

     IN WITNESS WHEREOF, we have hereunto set our hands this 18th day of October
1991.

                                       UNITED SERVICES ADVISORS, INC.
                                       /S/ FRANK E. HOLMES,
                                       ------------------------------
                                       Frank E. Holmes, President

                                       /S/ CHARLES W. LUTTER, JR.
                                       ------------------------------
                                       Charles W. Lutter, Jr., Secretary

STATE OF TEXAS
COUNTY OF BEXAR

     Before me, a notary public, on this day personally appeared Frank E. Holmes
and  Charles W.  Lutter,  Jr.,  known to me to be the  persons  whose  names are
subscribed to the foregoing document, and being by me first duly sworn, declared
that the statements therein contained are true and correct.

     Given under my hand and seal of office this 18th day of October 1991.

                                       /S/ JUNE L. FALKS
                                       ------------------------------
                                       Notary  Public  in and  for
                                       The   State   of  Texas  
                                       My commission expires:
                                       2/14/92
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