EXHIBIT 23.1
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               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANT

I previously issued my report, accompanying the consolidated financial
statements, incorporated herein by reference, of the Registrant and subsidiary
on  Form 10-KSB for the fiscal year ended December 31, 1995. I hereby consent to
the incorporation by reference of said report in the Post-Effective Amendment
No. 2 to the Registration Statement on Form S-8 being filed with the Securities
and Exchange Commission by the Registrant.



                                   /s/  Fred Grant, Certified Public Accountant
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February 12, 1997

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