EXHIBIT 7

Microfilm Number             Filed with the Department of State on July 23, 1997
                ---------                                          -------------

Entity Number 2766881           /s/
              -------           ------------------------------------------------
                                        Secretary  of  the  Commonwealth


                      ARTICLES OF INCORPORATION-FOR PROFIT
                                       OF
                          Lo Castro & Associates, Inc.
                               Name of Corporation
                      A TYPE OF CORPORATION INDICATED BELOW

Indicate  type  of  domestic  corporation:


                                                  
 x  Business-stock (15 Pa.C.S. Sec. 1306)                Management (15 Pa.C.S. Sec.2702)
- ---                                                  ---

    Business-nonstock (15 Pa.C.S. Sec. 2102)             Professional (15 Pa.C.S. Sec.2903)
- ---                                                  ---

    Business-statutory close (15 Pa.C.S. Sec. 2303)     Insurance (15 Pa.C.S. Sec. 3101)
- ---                                                  ---


                    ____ Cooperative (15 Pa.C.S. Sec. 7102)

              DSCB:15-1306/2102/2303/2702/2903/3101/7102A (Rev 91)

     In  compliance  with  the  requirements  of the applicable provisions of 15
Pa.C.S.  (relating  to  corporations  and  unincorporated  associations)  the
undersigned,  desiring  to incorporate a corporation for profit hereby, state(s)
that

1.   The name of the corporation is:    Lo  Castro  &  Associates,  Inc.
                                    --------------------------------------------

     ---------------------------------------------------------------------------

2.   The  (a)  address of  this corporation's  initial registered office in this
     Commonwealth  or  (b)  name  of its  commercial  registered office provider
     and the county  of  venue

     (a) 109 Tanglewood Drive      McMurray   PA   15317           Washington
        ------------------------------------------------------------------------
         Number and Street           City    State  Zip              County

     (b)  c/o:
              ------------------------------------------------------------------
                Name of Commercial Registered Office Provider      County

     For a corporation  represented by  a commercial registered office provider,
     The county  in (b) shall  be deemed the county in which the corporation  is
     located for venue  and  official  publication  purposes.

3.   The  corporation  is  incorporated  under  the provisions of the Business
     Corporation Law of 1988.

4.   The aggregate  number of shares  authorized is:     100,000  common
                                                    ----------------------------
     (other provisions, if any, attach 8 1/2 x 11 sheet)

5.   The  name  and  address,  including  number  and street, if  any,  of  each
     incorporator is:
     Name                           Address
       Vincent A. Lo Castro          109 Tanglewood Drive, McMurray,  PA  15317
     --------------------------     --------------------------------------------

6.   The specified effective date, if any, is:
                                              ----------------------------------
                                                  month day year hour, if any



7.   Additional  provisions  of  the  articles,  if  any,  attach  an 8 1/2 x 11
     sheet.

8.   Statutory  close  corporation  only:  Neither  the  corporation  nor  any
     shareholder shall make an offering of any of its shares of any class that
     would constitute a "public offering" within the meaning of the Securities
     Act of 1933 (15  U.S.C. 77a  et  seq.).

9.   Cooperative  corporations  only:  (Complete  and  strike out inapplicable
     term) The common bond of membership among  its  members/shareholders  is:



IN TESTIMONY WHEREOF, the incorporator(s) has (have) signed these Articles  of
Incorporation  this  18th  day  of  July,  1997.
                     ----           ----     --


- --------------------------------                 -------------------------------
       (Signature)                                        (Signature)