EXHIBIT 99



                           EXHIBIT INDEX



     Exhibit
     Number                 Description 


       4(a)    Copy of First Amended Line of Credit Loan
               Agreement providing for the Issuance of a
               Line of Credit Note in the amount of
               $20,000,000.

       4(b)    Copy of Line of Credit Note Under First
               Amended Line of Credit Loan Agreement

         15    Letter from independent public accountants
               pursuant to paragraph (d) of Rule 10-01 of
               Regulation S-X (incorporated by reference to
               Independent Accountants' Review Report at page 2
               hereof).

         20    Report to Stockholders for the six months ended  
               March 31, 1995.

         27    Financial Data Schedule for the nine months ended
               March 31, 1995.