JOINT FILING AGREEMENT

                               JOINT FILING AGREEMENT

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

          Dated:  February 13, 1996
                                        By:  /s/ Xxxxx X. Xxxxxxxxx        
                                             __________________________
                                        Name:   Xxxxx X. Xxxxxxxxx

                                        WAND (XXXXXX) INC.

                                        By:  /s/ Xxxxx X. Xxxxxxxxx        
                                             __________________________
                                        Name:   Xxxxx X. Xxxxxxxxx
                                        Title:  Chairman

                                        WAND/XXXXXX INVESTMENTS L.P.

                                        By:     Wand (Xxxxxx) Inc., as
                                                General Partner

                                        By:  /s/ Xxxxx X. Xxxxxxxxx        
                                             __________________________
                                        Name:   Xxxxx X. Xxxxxxxxx
                                        Title:  Chairman

                                        WAND/XXXXXX INVESTMENTS II L.P.

                                        By:     Wand (Xxxxxx) Inc., as
                                                General Partner

                                        By:  /s/ Xxxxx X. Xxxxxxxxx        
                                             __________________________
                                        Name:   Xxxxx X. Xxxxxxxxx
                                        Title:  Chairman


                                        WAND/XXXXXX INVESTMENTS III L.P.

                                        By:     Wand (Xxxxxx) Inc., as
                                                General Partner

                                        By:  /s/ Xxxxx X. Xxxxxxxxx        
                                             __________________________
                                        Name:   Xxxxx X. Xxxxxxxxx
                                        Title:  Chairman