Exhibit 99.29 RIDER TO GUARANTY AGREEMENT DATED _______________, 1999 (THE "GUARANTY AGREEMENT") BY AND BETWEEN UNITED SHIELDS CORPORATION ("GUARANTOR") AND WENTWORTH CAPITAL, A DIVISION OF CHARTER FINANCIAL, INC. ("OBLIGEE") The Guaranty Agreement...

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	Exhibit 99.29




RIDER TO GUARANTY AGREEMENT DATED _______________, 1999 (THE
"GUARANTY AGREEMENT") BY AND BETWEEN UNITED XXXXXXX CORPORATION
("GUARANTOR") AND WENTWORTH CAPITAL, A DIVISION OF CHARTER
FINANCIAL, INC. ("OBLIGEE")




The Guaranty Agreement shall be amended as follows:




1.  Amend Section 6 of the Guaranty Agreement by adding at the end of the Section the following:




Nothing contained herein shall be construed to prohibit Obligor's right to pay to Guarantor (and
Guarantor's right to receive payment from Obligor) a monthly management fee not to exceed six
percent (6%) of Obligor's gross monthly revenues for such month (the "Monthly Fee") so long as
(i) Obligor's "cash flow coverage ratio" for such month is at least 1.25:1.00, and (ii) no event of
default has occurred under the Agreements or under this Guaranty Agreement.  "Cash flow coverage
ratio" shall mean Obligor's "cash flow" divided by Obligor's "current funded debt requirements."
"Cash flow" shall mean Obligor's after tax, net profit (after payment of the Monthly Fee or any
portion thereof as permitted under the Agreements) exclusive of extraordinary gains plus non-cash
outlay expenses of depreciation and amortization less dividends and distributions to shareholders.
"Current funded debt requirements" shall mean all current maturities of Obligor's long term debt,
including capital leases, shown on applicable financial statements.  Notwithstanding the foregoing,
Guarantor agrees that to the extent, if any, that Obligor determines, after calculating its gross
monthly revenues and its cash flow coverage for such month, that it has paid Guarantor a Monthly
Fee in excess of six percent (6%) and/or has failed to meet the cash flow coverage ratio after
payment of the Monthly Fee (or a portion thereof) to Guarantor, then Guarantor shall promptly pay
to Obligor a rebate for such excess previously paid by Obligor.







This Rider shall be deemed a supplement to and an indivisible part of the Guaranty Agreement.







IN WITNESS WHEREOF, the parties have executed this Rider simultaneously with the Guaranty
Agreement.







UNITED XXXXXXX CORPORATION

(GUARANTOR)
WENTWORTH CAPITAL, A DIVISION OF

CHARTER FINANCIAL, INC.
By:_______________________________
By:________________________________
Title:_____________________________
Title:_______________________________