EXHIBIT 10.48 February 15, 1995 Robert L. Pevenstein 14 Chilhowie Ct. Hunt Valley, MD 21030 Dear Bob: The period for termination benefits in UNC's August 19, 1987, employment agreement letter is changed as follows: In the event of involuntary...

                                                          EXHIBIT    10.48
February 15, 1995



Xxxxxx X. Xxxxxxxxxx
00 Xxxxxxxxx Xx.
Xxxx Xxxxxx, XX 00000


Dear Xxx:

The period for termination benefits in UNC's August 19, 1987, employment
agreement letter is changed as follows:

In the event of involuntary termination, for any reason other than for cause,
you will be entitled to twelve (12) months of salary and employee benefits
continuance from the termination date.

Sincerely,



/s/ Xxx X. Xxxxxxx
Chairman &
Chief Executive Officer