EXHIBIT 10.20

Summary of 2000 Incentive Compensation Plan

At the end of 1999, the Human Resources Committee of the Board of Directors
adopted  the Year  2000  Incentive  Compensation  Plan  (the  "Plan").  The Plan
established target award  opportunities  ranging from 23% of base salary for key
employees  to 75% of base salary for the Chief  Executive  Officer.  The bonuses
were earned based on the  achievement of certain  financial  targets,  which are
established  based  on the  individual  participant's  position.  For the  Chief
Executive  Officer and the Chief Operating  Officer the bonus awards for 100% of
targeted  performance  were set at 75% and  60%,  respectively,  of  their  base
salaries.  For the Senior  Vice  Presidents  and the  General  Counsel the bonus
awards for 100% of targeted  performance were set at 55% and 40%,  respectively,
of their base salaries.  Messrs. Miles, Kunkle,  Jellison, Roos, Weston, Whiting
and Addison received bonus awards for 2000 of 91.2%, 72.9%, 66.8%, 59.7%, 53.5%,
74.5% and 48.6%, respectively.

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