Exhibit 3.46

                              ARTICLE OF AMENDMENT

                                     TO THE

                           ARTICLES OF INCORPORATION

                                    * * * * *

     CLODINE PROPERTIES INC., a Texas corporation (the "Corporation") acting
pursuant to Section 4.04 of the Texas Business Corporation Act does hereby
certify:

                                   ARTICLE ONE

     The name of the corporation is Clodine Properties Inc.

                                   ARTICLE TWO

     The following amendment to the Articles of Incorporation of the Corporation
which alters Article One of the Articles of Incorporation of the Corporation was
adopted by the sole shareholder of the Corporation, on May 25, 1994.

          "RESOLVED, THAT THE ARTICLES OF INCORPORATION OF THE CORPORATION BE
          AMENDED BY STRIKING ARTICLE ONE IN ITS ENTIRETY AND REPLACING THE
          FOLLOWING THEREFOR:

                                   Article One

                         The name of the corporation is
                      SOUTHWESTERN FINANCIAL CORPORATION."

                                  ARTICLE THREE

     The number of shares of the Corporation outstanding at the time of adoption
was one thousand (1,000); and the number of shares entitled to vote thereon was
one thousand (1,000).

                                  ARTICLE FOUR

     The number of shares of the Corporation voted in favor of the adoption is
one thousand (1,000); and the number of shares voted against the adoption is
zero (0).

Dated: May 25, 1994.

                                            CLODINE PROPERTIES INC.


                                            By: Barry M. Bone
                                                --------------------------------
                                                Barry M. Bone, President

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STATE OF TEXAS    (S)
                  (S)
COUNTY OF DALLAS  (S)

          Before me, the undersigned, a Notary Public in and for said County and
State, on this day personally appeared Barry m. Bone, known to me to be the
person and officer whose name is subscribed to the foregoing instrument, and
acknowledged to me that the same was the act of the said CLODINE PROPERTIES
INC., a corporation, and that he executed the same as the act of such
corporation for the purposes and consideration therein expressed, and in the
capacity therein stated.

          Given under my hand and seal of office this 25th day of MAY, 1994.


                                                  /s/ Illegible
                                                  ------------------------------
                                                  Notary Public in and for
                                                  The State of Texas

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