EXHIBIT 10.1




                           SCHEDULE OF OPTIONS GRANTED
                      UNDER 1994 DIRECTOR STOCK OPTION PLAN
                             (THROUGH JULY 31, 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

                            550            7/31/97     9.63      7/30/2002

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

                            825            7/31/97     9.63      7/30/2002


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

                            825            7/31/97     9.63      7/30/2002

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

                            550            7/31/97     9.63      7/30/2002



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

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