EXHIBIT 3.10

                            ARTICLES OF INCORPORATION

                                       OF

                       BAY COLONY REALTY ASSOCIATES, INC.

                  The undersigned, for purposes of forming a corporation under
the Florida General Corporation Act, does hereby adopt the following Articles of
Incorporation:

                                 ARTICLE I. NAME

                  The name of the corporation shall be Bay Colony Realty
Associates, Inc. The principal place of business of this corporation shall be
801 Laurel Oak Drive, Naples, Florida 33963.

                            ARTICLE II. CAPITAL STOCK

                  The maximum number of shares of stock that this corporation is
authorized to have outstanding at any one time is five thousand (5000) shares of
common stock having one dollar ($1.00) par value per share.

                    ARTICLE III. REGISTERED OFFICE AND AGENT

                  The street address of the initial registered office of the
corporation shall be 801 Laurel Oak Drive, Naples, Florida 33963, and the name
of the initial registered agent of the corporation is Robert W. McClure.

                            ARTICLE IV. INCORPORATORS

                  The name and street address of the incorporator to these
Articles of Incorporation is:

                     Robert W. McClure - 801 Laurel Oak Drive, Suite 500,
                                         Naples, Florida 33963

                  IN WITNESS WHEREOF, THE UNDERSIGNED, as incorporator, hereby
executes these Articles of Incorporation on this 29th day of October, 1990.


                                   ---------------------------------
                                   Robert W. McClure



                                                                               2

                  Before me, the undersigned authority, personally appeared
Robert W. McClure, who is to me well known to be the person described in and who
signed the above Articles of Incorporation, and he did freely and voluntarily
acknowledge before me according to the law that he made and subscribed the same
for the uses and purposes therein mentioned.

                  IN WITNESS WHEREOF, I have hereunto set my hand and my
official seal, at Naples, Florida, in said County and State this 29th day of
October, 1990.


                                       -----------------------------
                                       Notary Public
(SEAL)                                 My Commission Expires: