Exhibit 3.20


                          ARTICLES OF RESTATEMENT

                                     OF

                                 [Company]



                  FIRST: The name of the corporation is [Company]
         (hereinafter, the "Corporation").

                  SECOND: The address of the registered office of the
         Corporation is 4701 Cox Road, Suite 301, Glen Allen, Virginia
         23060. The name of the registered agent at that address is
         Commonwealth Legal Services Corporation.

                  THIRD: The principal office of the Corporation is
         [principal business address].

                  FOURTH: The purpose of the Corporation is to engage in
         any lawful act or activity for which a corporation may be
         organized under the Virginia Stock Corporation Act including, but
         not limited to, the acting as an insurance agent and the providing
         of insurance services, exclusive of the underwriting of insurance
         policies.

                  FIFTH: The total number of shares of stock which the
         Corporation shall have authority to issue is One Thousand (1000)
         shares of Common Stock, each having a par value of one cent
         ($0.01).

                  SIXTH: The names and addresses of the Directors of the
         Corporation are as follows:


                Jonathan P.  Ferrando          110 SE 6th Street
                                               Ft.  Lauderdale, Florida 33301


                Michael E. Maroone             110 SE 6th Street
                                               Ft.  Lauderdale, Florida 33301