Exhibit 99.5
Mr. Jack D. Cowles' Biography

      Mr.  Jack D.  Cowles has been a Managing  Director  of JDC  Consulting,  a
management  consulting  firm,  since 1997. JDC,  headquartered in New York City,
provides a broad range of senior level management  consulting services including
strategy,  business process improvement and  implementation,  change management,
financial management, due diligence and merger integration.  Mr. Cowles received
a Bachelor of Arts,  Economics  degree;  Phi Beta Kappa,  from the University of
Michigan  in 1983  and a  Masters  of  Business  Administration  degree  for the
University of Pennsylvania, Wharton School of Business in 1994.