EXHIBIT 10.48


                       CERTIFICATE OF LIMITED PARTNERSHIP
                                       OF
                      CRIT-CORNERSTONE LIMITED PARTNERSHIP


         CRIT-SC,  Inc.,  a  Virginia  corporation,  is the  general  partner of
CRIT-Cornerstone Limited Partnership (the "Partnership").

         The General Partner submits this Certificate of Limited Partnership for
filing in the office of the Virginia State Corporation  Commission in accordance
with ss. 50-73.11 of the Virginia  Revised Uniform Limited  Partnership Act (the
"Act"):

         1. The name of the Partnership is CRIT-Cornerstone Limited Partnership.

         2. (a)  The  post  office  and  street  address  of the  office  of the
Partnership at which the records of the Partnership required to be maintained by
ss. 50-73.8 of the Act shall be kept is:

                             306 East Main Street
                             Richmond, Virginia 23219
                             (City of Richmond, Virginia)

            (b) The  registered  agent of the  Partnership is James W. C. Canup,
who is a resident of Virginia and a member of the  Virginia  State Bar. The post
office address of the registered  agent is c/o McGuire,  Woods,  Battle & Boothe
LLP, One James Center,  901 East Cary Street,  Richmond,  Virginia  23219.  This
address is in the City of Richmond, Virginia.

         3. The name and post  office  address  of the  General  Partner  are as
follows:

                             CRIT-SC, Inc.
                             (a Virginia corporation)
                             306 East Main Street
                             Richmond, Virginia 23219

         4. The  Partnership  shall be  dissolved  and its  affairs  wound up on
December 31, 2100 or at such earlier time as is required by law or the agreement
of limited partnership of the Partnership.

         IN WITNESS  WHEREOF,  the General Partner has executed this Certificate
of Limited Partnership as of December 22, 1999.

                                           CRIT-SC, INC.

                                           By:    /s/  Stanley J. Olander, Jr.
                                                  ------------------------------
                                           Name:  Stanley J. Olander, Jr.
                                           Title: President