EXHIBIT 10.21 CONSULTING AGREEMENT - M. S. FARRELL & CO., INC. * Included in Registration statement in Form S-8 filed previously filed on July 13, 2001 and incorporated by reference herein.

                                                                   EXHIBIT 10.21

                CONSULTING AGREEMENT - X. X. XXXXXXX & CO., INC.

* Included in Registration statement in Form S-8 filed previously filed on July
13, 2001 and incorporated by reference herein.