Exhibit 10.3

 
                                 Exhibit 10.3

     Xx. Xxxxxxxxxx'x Employment Agreement is the same as the Employment
Agreement in Exhibit 10.1, which is incorporated herein by reference except as
to: (i) the name of the signatory, which is Xxxx X. Xxxxxxxxxx, Xx.; (ii) the
signatory for the Company, which is Xxxxxx X. Xxxxxxx; (iii) the position in
Section 1, which is Senior Executive Vice President; and (iv) the amount of the
base salary in Section 3(a), which is $280,000.