EXHIBIT 10.1




             SCHEDULE OF OPTION GRANTS AND EXERCISES
              UNDER 1994 DIRECTOR STOCK OPTION PLAN
                    (THROUGH JANUARY 31, 1998)


                         
                                                               Number of
             Number of    Date of  Option Option     Date     Shares for
Grantee  Options Granted* Grant    Price* Period    ExercisedWhich Exercised
                                                 

Joseph C. Cook, Jr. 550        1/31/95   $12.09 1/30/2000 1/28/98  550
                    1,100      4/30/95   16.73  4/29/2000          
                    550        7/31/95   13.75  7/30/2000 1/28/98  550
                    1,100      10/31/95  9.08   10/30/2000         1/28/98   700
                    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 
                    550        10/31/97  11.74  10/30/2002         
                    1,100      1/31/98   11.79  1/30/2003 




David L. Swider     825        1/31/95   $9.95  1/30/2000 1/28/98  825
                               (for the quarter
                               ended 10/31/94)

                    1,100      1/31/95   12.09  1/30/2000 1/28/98  1,100
                    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 
                    825        10/31/97  11.74  10/30/2002         
                    1,650      1/31/98   11.79  1/30/2003 

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         1/28/98   1,100

                    1,100      01/31/96  5.90   01/30/2001         1/28/98   550

                    550        04/30/96  8.75   04/29/2001         1/28/98   275

                    825        07/31/96  6.98   07/30/2001         1/28/98   403

                    825        10/31/96  7.63   10/30/2001         1/28/98   400

                    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

                    825        10/31/97  11.74  10/30/2002
                    
                    1,650      1/31/98   11.79  1/30/2002



Max K. DeJonge      550        10/31/95  $9.08  10/30/2000         1/28/98   550

                    550        01/31/96  5.90   01/30/2001         1/28/98   275

                    550        04/30/96  8.75   04/29/2001         1/28/98   275

                    550        07/31/96  6.98   07/30/2001         1/28/98   275

                    550        10/31/96  7.63   10/30/2001         1/28/98   275

                    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

                    550        10/31/97  11.74  10/30/2002
       
                    550        1/31/98   11.79  1/30/2003



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