EXHIBIT 99


Dear Subscriber:

The Board of Directors,  by a resolution effected December 20, 2000, reduced the
price of the Offering  from $9.50 to $8.00 per share.  To reflect this change in
the Offering price,  all persons who have already  subscribed at the $9.50 price
may choose one (1) of the following options:

     1.   You may  choose to  receive  such  number  of  shares  as though  your
          previous total cash  subscription  were submitted to purchase stock at
          $8.00 per share.  You will receive a refund for any  fractional  share
          amount. For example,  if you paid $950 to purchase 100 shares at $9.50
          per share,  your $950 investment would now yield 118 shares to reflect
          the price  reduction to $8.00 per share and you would receive a refund
          of $6.00, with interest; OR

     2.   You may choose to purchase only the original number of shares to which
          you  subscribed  and  receive  a  refund  of the  difference  in  your
          subscription  offer.  For  example,  if you paid $950 to purchase  100
          shares at $9.50 per share, you would still purchase the 100 shares but
          now at $8.00  per  share.  Therefore,  you  would  receive a refund of
          $150.00,  with interest,  which is the difference  between the old and
          new purchase price per share; OR

     3.   You may choose to have your entire subscription offer refunded to you,
          with interest.

Please  mark the box next to your  choice  below,  sign and date the  form,  and
return it to Weststar Financial Services Corporation in the envelope provided.

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     [_]  I choose Option 1 above.  I want my  subscription  offer to remain the
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          same  amount  and would  like to  increase  my total  number of shares
          purchased as though I subscribed for shares at $8.00 per share.

     [_]  I choose  Option 2 above.  I want the number of shares I purchased  to
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          remain  the same,  and I want to  receive  the  difference  between my
          subscription at $9.50 per share and the new price of $8.00 per share.

     [_]  I choose Option 3 above. I want to have my entire  subscription  offer
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          refunded to me, with interest.



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