Mr.  Plungis's  Employment is the same as the  Employment  Agreement in
Exhibit 10.3,  which is incorporated  herein by reference  except as to: (i) the
name of the  Executive,  which is Charles F. Plungis,  Jr.; (ii) the position in
Section  1,  which is Senior  Vice  President,  Treasurer  and  Chief  Financial
Officer;  and (iii) the  amount of the base  salary in  Section  3(a),  which is
$140,750.