EX-3.(i)(y)

                            ARTICLES OF ORGANIZATION

                                       OF

                                  NCR III, LLC

      The undersigned sets forth the following as the Articles of Organization
of NCR III, LLC (the "Company"), a Virginia limited liability company:

      1. NAME. The name of the Company shall be "NCR III, LLC".

      2. REGISTERED AGENT AND ADDRESS. The initial registered office of the
Company is 100 Shockoe Slip, 3rd Floor, Richmond, Virginia 23219 located in the
City of Richmond, Virginia, and the name of the initial registered agent of the
Company at the foregoing address is Charles W. Laughlin, an individual who is a
resident of the Commonwealth of Virginia and a member of the Virginia State Bar.

      3. PRINCIPAL OFFICE. The principal office of the Company is 420 N.W. Fifth
Street, Suite 3-B, Evansville, Indiana 47708, located in the City of Evansville,
Indiana.

      4. DURATION. Unless sooner terminated by operation of law or otherwise,
the latest date on which the Company shall be dissolved, its existence
terminated, and its affairs wound up is fifty (50) years from the date of
issuance of the Company's Certificate of Organization by the State Corporation
Commission of Virginia.

      Witness the following signature this 22nd day of May, 1997.


                                  -----------------------------
                                  Alison V. Fauls, Organizer