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                                                                   EXHIBIT 10.98


                                 PLAN OF MERGER


         PLAN OF MERGER between, IMS Colonial, Inc., a Florida corporation and
Colonial Catastrophe Claims Corporation, a Florida corporation pursuant to
Florida Statute Section 607.1101.

         1. The names of the two corporations planning to merge are IMS
            Colonial, Inc. and Colonial Catastrophe Claims Corporation.

         2. Colonial Catastrophe Claims Corporation shall be merged into IMS
            Colonial, Inc., and IMS Colonial, Inc. shall be the surviving
            corporation; provided that IMS Colonial, Inc. shall change it's
            name to Colonial Claims Corporation as set forth in Paragraph 4
            hereof.

         3. The terms and conditions of the proposed merger are as follows:

               Since IMS Colonial, Inc. is the owner and holder of 1,000 shares
               of the common capital stock, $1.00 par value of Colonial
               Catastrophe Claims Corporation, and there being no other stock
               of Colonial Catastrophe Claims Corporation issued and
               outstanding, upon the merger said shares of Colonial Catastrophe
               Claims Corporation stock shall be canceled.

         4. The Articles of Incorporation of IMS Colonial, Inc. are hereby
            amended, by deleting Article I thereof in it's entirety and
            substituting the following Article I in lieu thereof:


                                   ARTICLE I.

                                      NAME

         The name of this corporation is Colonial Claims Corporation.

         The undersigned being the secretaries of IMS Colonial, Inc. and
Colonial Catastrophe Claims Corporation respectively, hereby certify that the
within plan of merger is a true, correct and complete copy of said plan as
approved by the Directors and Shareholders of IMS Colonial, Inc. and the
Directors and Shareholders of Colonial Catastrophe Claims Corporation all on
the 7th day of January, 1999, to be effective 15th day of January, 1999.


                                  Exhibit "A"



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                                      IMS COLONIAL, INC.


                                      BY:  /s/ Kelly K. King
                                         --------------------------------------
                                               Kelly K. King, Secretary


                                      COLONIAL CATASTROPHE CLAIMS CORPORATION


                                      BY:  /s/ Felicia A. Rivas
                                         --------------------------------------
                                               Felicia A. Rivas, Secretary

STATE OF FLORIDA      )
COUNTY OF Pinellas    )

         The foregoing instrument was acknowledged before me this 7 day of
January, 1999, by Kelly K. King, as Secretary of IMS Colonial, Inc., a Florida
corporation, on behalf of the corporation. He is personally known to me or who
has produced identification, and did not take an oath.


                                      /s/ Nancy C. Haire
(NOTARY SEAL)                         -----------------------------------------
                                          Nancy C. Haire, Notary Public
                                          Serial Number:  No.  CC 440661
                                          My Commission Expires:  3/25/99


STATE OF FLORIDA     )
COUNTY OF PINELLAS   )

         The foregoing instrument was acknowledged before me this ___ day of
January, 1999, by Felicia A. Rivas, as Secretary of Colonial Catastrophe Claims
Corporation, a Florida corporation, on behalf of the corporation. She is
personally known to me or who has produced identification, and did not take an
oath.


                                      /s/ Nancy C. Haire
(NOTARY SEAL)                         -----------------------------------------
                                          Notary Public
                                          Serial Number:
                                          My Commission Expires: