EXHIBIT 3.21

                         CERTIFICATE OF INCORPORATION

                                      OF

                              GCAP SERVICES, INC.
                              A STOCK CORPORATION


     I, the undersigned, for the purpose of incorporating and organizing a
corporation under the General Corporation Law of the State of Delaware, do
hereby certify as follows:

     FIRST: The name of the corporation (the "Corporation") is GCAP Services,
Inc.

     SECOND: The address of the Corporation's registered office in the State of
Delaware is 1013 Centre Road, City of Wilmington, County of New Castle, Delaware
19805. The name of the Corporation's registered agent at such address is
Corporation Service Company.

     THIRD: The purpose of the Corporation is to engage in any lawful act or
activity for which corporations may be organized under the General Corporation
Law of the State of Delaware.

     FOURTH: The total number of shares which the Corporation shall have
authority to issue is One Thousand (1,000) shares of Common Stock, without par
value.

     FIFTH: To the full extent permitted by the General Corporation Law of the
State of Delaware or any other applicable laws presently or hereafter in effect,
no director of the Corporation shall be personally liable to the Corporation or
its stockholders for or with respect to any acts or omissions in the performance
of his or her duties as a director of the Corporation. Any repeal or
modification of this Article Fifth shall not adversely affect any right or
protection of a director of the Corporation existing immediately prior to such
repeal or modification.

     SIXTH: Each person who is or was or had agreed to become a director or
officer of the Corporation, or each such person who is or was serving or who had
agreed to serve at the request of the Board of Directors or an officer of the
Corporation as an employee or agent of the Corporation or as a director,
officer, employee or agent of another corporation, partnership, joint


venture, trust or other enterprise (including the heirs, executors,
administrators or estate of such person), shall be indemnified by the
Corporation to the full extent permitted by the General Corporation Law of the
State of Delaware or any other applicable laws as presently or hereafter in
effect. Without limiting the generality or the effect of the foregoing, the
Corporation may enter into one or more agreements with any person which provide
for indemnification greater or different than that provided in this Article. Any
repeal or modification to this Article Sixth shall not adversely affect any
right or protection existing hereunder immediately prior to such repeal or
modification.

     SEVENTH:  The name and mailing address of the incorporator is:

                       James M. Redwine
                       IT Corporation
                       2790 Mosside Boulevard
                       Monroeville, PA 15146

     EIGHTH:   The names and mailing addresses of the persons who are to serve
as directors of the Corporation until the first annual meeting of stockholders
or until their successors are elected and qualified are as follows:

          Name                      Mailing Address
          ----                      ---------------

          James M. Redwine, Esq.    IT Corporation
                                    2790 Mosside Boulevard
                                    Monroeville, PA 15146

     IN WITNESS THEREOF, I, the undersigned, being the incorporator hereinabove
named, do hereby execute this Certificate of Incorporation this 16th day of
January, 1998.


                                    /s/ James M. Redwine
                                    ----------------------------
                                    James M. Redwine