Exhibit 10.16



              AMENDMENT TO SUPPLEMENTAL RETIREMENT AGREEMENT

This Amendment is made the 23rd day of January, 1997, by and between 
Seafield Capital Corporation, a Missouri corporation ("Employer") and P. 
Anthony Jacobs ("Employee").

     WHEREAS, the parties entered into a Supplemental Retirement Agreement, 
dated June 3, 1991 ("Supplemental Retirement Agreement"), which was 
intended to be the embodiment of the supplemental retirement arrangement 
between the parties as approved by the Employer's Board of Directors in 
February, 1991, and

     WHEREAS, a review of the Supplemental Retirement Agreement and the 
resolution of Employer's Board of Directors respecting the supplemental 
retirement arrangement between the parties has revealed that there is an 
inconsistency, and

     WHEREAS, for purposes of ensuring that the Supplemental Retirement 
Agreement incorporates the concept intended in the resolution, the parties 
desire to amend the Supplemental Retirement Agreement as herein provided,

     NOW, THEREFORE, in consideration of the premises and for other good 
and valuable consideration, the parties acknowledge and agree as follows:

     1.  Paragraph numbered 2 of the Supplemental Retirement Agreement is 
hereby deleted and in its place is substituted the follows:

         "2.  SUPPLEMENTAL BENEFIT.  Effective immediately, Employer shall 
         establish and maintain on its books a Supplemental Retirement 
         Account (the "Account") to which it shall credit as of the first 
         day of each fiscal year, commencing January 1, 1991, the sum of 
         Twelve Thousand Dollars ($12,000), until the earlier of Employee's 
         attainment of age 65, the date Employee's employment with Employer 
         terminates or the date the parties agree in writing to terminate 
         this Agreement.  The Account also shall be credited, as of the 
         last day of each of Employer's fiscal years ending prior to the 
         year in which the amounts credited to the Account are distributed 
         to Employee hereunder and as of the date of such distribution, 
         with interest at the rate of nine percent (9%) per annum.

         The obligation of Employer to credit the Account and to make 
         payment hereunder is merely a contractual obligation, and neither 
         Employee nor any beneficiary or heir, nor any person claiming any 
         right on Employee's behalf, shall have any interest in the Account 
         or in any asset of Employer or otherwise, other than the right to 
         receive the benefits as set forth herein.  Any and all such claims 
         shall be limited to the amount then credited to the Account at the 
         time of any claim.  No amount credited to the Account or paid 
         hereunder shall be included as compensation to Employee for any 
         purpose, including any pension or profit sharing plan maintained 
         by Employer.  Neither this Agreement nor the creation of the 
         Account hereunder is intended to be the creation or establishment 
         of a trust.  Amounts credited to the Account hereunder shall 
         remain unfunded and unsecured and Employer shall be under no 
         obligation to invest or in any way accumulate or segregate monies 
         to fund the same."

     2.  Except to the extent modified and amended hereby, all of the terms 
and provisions of the Supplemental Retirement Agreement shall remain in 
effect and the Supplemental Retirement Agreement as amended shall be and 
remain in full force and effect.

     IN WITNESS WHEREOF, the parties hereto have signed this Amendment as 
of the date first above written.

                                       SEAFIELD CAPITAL CORPORATION


                                       By /S/ W. Thomas Grant II
                                          -----------------------
                                          Authorized Officer 
                                          EMPLOYER



                                          /s/ P. Anthony Jacobs
                                          -----------------------
                                          P. Anthony Jacobs,
                                          EMPLOYEE