JOINT FILING AGREEMENT ----------------------

                                    EXHIBIT D

                             JOINT FILING AGREEMENT
                             ----------------------



      The  undersigned,  and each of them,  do hereby  agree and  consent to the
filing  of a  single  statement  on  Schedule  13D  and  amendments  thereto  in
accordance  with the provisions of Rule  13d-1(k)(1) of the Securities  Exchange
Act of 1934.

Dated:  April 1, 1999



                                                      /s/ Xxxxx X. Xxxxxxxx 
                                                     ---------------------------
                                                     Signature
                                                     Name:  Xxxxx X. Xxxxxxxx

                                                      /s/ Xxxx Xxxxxx 
                                                     ---------------------------
                                                     Signature
                                                     Name:  Xxxx Xxxxxx