EXHIBIT 3.1N


                          CERTIFICATE OF INCORPORATION
                                       OF
                    WITCO EUROPE FINANCIAL SERVICES COMPANY

                                    * * * * *

   1. The name of the corporation is Witco Europe Financial Services Company.

   2. The address of its registered office in the State of Delaware is
Corporation Trust Center, 1209 Orange Street, in the City of Wilmington, County
of New Castle. The name of its registered agent at such address is The
Corporation Trust Company.

   3. The nature of the business or purposes to be conducted or promoted is to
engage in any lawful act or activity for which corporations may be organized
under the General Corporation Law of Delaware.

   4. The total number of shares of stock which the corporation shall have
authority to issue is One Thousand Five Hundred (1,500); all of such shares
shall be without par value.

   5. The board of directors is authorized to make, alter or repeal the by-
laws of the corporation. Election of directors need not be by written ballot.

   6. The name and mailing address of the sole incorporator is:

                            M.A. Brzoska
                            Corporation Trust Center
                            1209 Orange Street
                            Wilmington, Delaware 19801


   I, THE UNDERSIGNED, being the incorporator hereinbefore named, for the
purpose of forming a corporation pursuant to the General Corporation Law of
the State of Delaware, do make this certificate, hereby declaring and
certifying that this is my act and deed and the facts herein stated are true,
and accordingly have hereunto set my hand this 7th day of November, 1995.

                                          /s/ M.A. Brzoska
                                          --------------------------------------
                                          Sole Incorporator