Exhibit 4.4


                              CERTIFICATE OF TRUST
                                OF HSB CAPITAL II

                  This  Certificate  of Trust of HSB  Capital II (the  "Trust"),
dated  as of  December  31,  1997,  is  being  duly  executed  and  filed by the
undersigned,  as trustee,  to form a business trust under the Delaware  Business
Trust Act (12 Del. C. (S) 3801 et seq.).

               1. NAME.  The name of the business  trust being formed  hereby is
HSB Capital II.

               2.  DELAWARE  TRUSTEE.  The name and  business  address of the
trustee of the Trust with a principal place of business in the State of Delaware
is: First Chicago Delaware Inc., 300 King Street, Wilmington, Delaware 19801.

               3.  EFFECTIVE  DATE.  This   Certificate  of  Trust  shall  be
affective upon the filing of this Certificate of Trust.

               IN WITNESS WHEREOF,  the undersigned trustee of the Trust, has
executed this Certificate of Trust as of the date first above written.



                              Name: Saul L. Basch
                              Title: Administrative Trustee



                              Name: Roberta O'Brien
                              Title: Administrative Trustee


                              Name:  Robert C. Walker
                              Title: Administrative Trustee


                              FIRST CHICAGO DELAWARE INC.,
                              as Delaware Trustee


                              By:
                              Name:  Melissa G. Weisman
                              Title: Vice President