1

                                 Exhibit 10(jj)

                       Amendment No. 6 Dated June 1, 1995
                      to Employment Agreement Between the
                         Registrant and James H. Berick
   2


                               AMENDMENT NO. 6 TO
                               ------------------
                              EMPLOYMENT AGREEMENT
                              --------------------

  This Amendment No. 6 to Employment Agreement made as of June 1, 1995 between
REALTY ReFUND TRUST, an unincorporated association in the form of a business
trust organized under the laws of the State of Ohio having its principal
business address at 1385 Eaton Center, Cleveland, Ohio 44114 (the "Trust") and
JAMES H. BERICK ("Employee").


                                    RECITALS
                                    --------

  The Trust and Employee entered into an Employment Agreement dated as of
January 22, 1990.  As of June 1, 1994, the Employment Agreement was amended to
extend its term to January 21, 2005 (subject to the provisions for earlier
termination contained at Section 5 of the Employment Agreement). The January
22, 1990 Employment Agreement, as amended, is herein referred to as the
"Employment Agreement".

  The parties desire to extend the term of the Employment Agreement by
re-establishing the expiration date thereof.
   3
                                   AGREEMENTS
                                   ----------

        NOW, THEREFORE, in consideration of the foregoing, and their mutual
covenants and agreements herein contained, the parties hereto do hereby agree
as follows:

        1. The Trust and Employee agree to and do hereby amend the Employment
Agreement so that:

           (a) Section 2 on page 3 of the Employment Agreement stating:

           "2.  Term

                . . . this Agreement shall commence upon the execution hereof 
                and shall continue through and including the 21st day of 
                January, 2005."

is replaced in its entirety as though originally set forth therein with:

           "2.  Term

                . . . this Agreement shall commence upon the execution hereof 
                and shall continue through and including the 21st day of 
                January, 2006."

and,

           (b) Section 6 on page 5 of the Employment Agreement stating:




                                      -2-
   4


          "6. Covenant Against Competition

              (A) During the period commencing with the date hereof and 

          continuing until the latter of the expiration of the term of this
          Agreement or until January 21, 2005 if this Agreement shall be
          terminated for the reasons specified in Section 5(a) (i) hereof. . . "

is replaced in its entirety as though originally set forth therein with:

          "6. Covenant Against Competition

              (A) During the period commencing with the date hereof and 

          continuing until the latter of the expiration of the term of this
          Agreement or until January 21, 2006 if this Agreement shall be
          terminated for the reasons specified in Section 5(A) (i) hereof. . ."

        2. Except as herein specifically amended, all of the terms and
conditions of the Employment Agreement are hereby ratified and confirmed and
the Employment Agreement is hereby incorporated to the same extent as if fully
rewritten herein.

        IN WITNESS WHEREOF, the parties hereto have caused this





                                      -3-
   5

Amendment No. 6 to Employment Agreement to be duly executed as of June 1, 1995.

                                        REALTY ReFUND TRUST



                                        By:  /s/ James H. Berick
                                           ------------------------
                                           James H. Berick,
                                           President



                                        And: /s/ Christine Turk
                                            -----------------------
                                            Christine Turk,
                                            Secretary

                                                        THE TRUST

                                        /s/ Alan M. Krause
                                        ---------------------------
                                        ALAN M. KRAUSE


                                                        EMPLOYEE





                                      -4-