EXHIBIT 99.1


                             ARTICLE XIII AMENDMENTS

     Except as otherwise expressly provided in the Articles of Incorporation or
in these Bylaws, these Bylaws may be altered, amended or repealed by any duly
adopted resolution of the Board of Directors or at any annual or special meeting
of the shareholders. If the amendment is to be adopted at a special meeting of
the shareholders, the notice thereof shall specify the subject matter of the
proposed alteration, amendment or repeal and the Articles of these Bylaws to be
affected thereby. Bylaws adopted by the Directors may be altered or repealed by
the Directors or shareholders. Provided, further, that neither the time nor the
place for the election of Directors shall be changed within sixty (60) days next
preceding the day on which any election of Directors is to be held, and provided
further that a notice of any such change shall be given to each shareholder at
least twenty (20) days before the next election is held, in person or by letter
mailed to his last known post office address.