EXHIBIT 99.4     
                                
                             CONSENT OF EXPERT     
   
   We consent to the inclusion in this Registration Statement on Form S-1 (File
No. 333-70841) of references to our firm under the captions "Experts."     
                                             
                                          /s/ Ching & Lee     
   
Honolulu, Hawaii     
   
March 17, 1999