Exhibit 3(i)(qq)

                            ARTICLES OF INCORPORATION
                                       OF
                            NORTHLAND HOLDINGS MANAGEMENT, INC.

      1. The name of the corporation is "Northland Holdings Management, Inc." 

      2. The number of shares that the corporation is authorized to issue is
5,000 shares of common stock.

      3. The post office address of the corporation's initial registered office
is 100 Shockoe Slip, 3rd Floor, Richmond, Virginia 23219, located in the City of
Richmond, Virginia, and the name of the corporation's initial registered agent
at the aforesaid office is Charles W. Laughlin, who is a resident of Virginia
and a member of the Virginia State Bar. 

March 18, 1998
 

                                       Northland Holdings Management, Inc.



                                       By:________________________________
                                          Incorporator