EXHIBIT 10.1




                   SCHEDULE OF OPTIONS GRANTED
              UNDER 1994 DIRECTOR STOCK OPTION PLAN
                    (THROUGH APRIL 30, 1997)

                    Number of     Date of   Option     Option
Grantee         Options Granted*   Grant    Price*     Period
                                         

Joseph C. Cook, Jr.    550         1/31/95 $12.09    1/30/2000

                       1,100       4/30/95  16.73    4/29/2000

                       550         7/31/95  13.75    7/30/2000

                       1,100       10/31/95  9.08    10/30/2000

                       825         01/31/96  5.90    1/30/2001

                       550         04/30/96  8.75    04/29/2001

                       550         07/31/96  6.98    07/30/2001

                       550         10/31/96  7.63    10/30/2001

                       550         1/31/97   9.45    1/30/2002

                       550         4/30/97   9.88    4/30/2002

David L. Swider        825         1/31/95  $9.95    1/30/2000
                                   (for the quarter
                                   ended 10/31/94)

                       1,100       1/31/95  12.09    1/30/2000

                       1,100       4/30/95  16.73    4/29/2000

                       550         7/31/95  13.75    7/30/2000

                       1,100       10/31/95  9.08    10/30/2000

                       1,100       01/31/96  5.90    01/30/2001

                       1,100       04/30/96  8.75    04/29/2001

                       825         07/31/96  6.98    07/30/2001

                       825         10/31/96  7.63    10/30/2001
                       
                       825         1/31/97   9.45    1/30/2002

                       550         4/30/97   9.88    4/30/2002

Richard L. VonDerHaar  825         1/31/95  $9.95    1/30/2000
                                                     (for the quarter
                                                     ended 10/31/94)

                       1,100       1/31/95  12.09    1/30/2000

                       1,100       4/30/95  16.73    4/29/2000

                       550         7/31/95  13.75    7/30/2000

                       1,100       10/31/95  9.08    10/30/2000

                       1,100       01/31/96  5.90    01/30/2001

                       550         04/30/96  8.75    04/29/2001

                       825         07/31/96  6.98    07/30/2001

                       825         10/31/96  7.63    10/30/2001

                       825         1/31/97   9.45    1/30/2002

                       550         4/30/97   9.88    4/30/2002

Max K. DeJonge         550         10/31/95 $9.08    10/30/2000

                       550         01/31/96  5.90    01/30/2001

                       550         04/30/96  8.75    04/29/2001

                       550         07/31/96  6.98    07/30/2001

                       550         10/31/96  7.63    10/30/2001

                       550         1/31/97   9.45    1/30/2002

                       550         4/30/97   9.88    4/30/2002



*All grants prior to April 24, 1995 retroactively adjusted for ten percent stock
dividend paid on that date.

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