JOINT FILING AGREEMENT

   1
                                                                     EXHIBIT (a)


                           JOINT FILING AGREEMENT

     We, the signatories of the statement on Schedule 13D to which this
Agreement is attached, hereby agree that such statement is filed on behalf of
each of us.


Dated: January 16, 1997        X. X. XXXXXXX INVESTMENT, L. P.
                               By: X. X. XXXXXXX ENTERPRISES, INC.
                                General Partner

                               By:
                                  -----------------------------------
                                      XXXXXX X. XXXXXXX, President

                               XXXXXXX XXXXXX & COMPANY FINANCIAL 
                               SERVICES, INC.

                               By:
                                  -----------------------------------
                                     XXXXXX X. XXXXXXX, President

                               XXXXXXX XXXXXX & COMPANY LEASING, INC.

                               By:
                                  -----------------------------------
                                     XXXXXX X. XXXXXXX, President

                               XXXXXXX XXXXXX & COMPANY
                               INVESTMENTS, INC.

                               By:
                                  -----------------------------------
                                     XXXXX X. XXXXX, President

                               XXXXXXX XXXXXX & COMPANY

                               By:
                                  -----------------------------------
                                     XXXXXX X. XXXXXXX, President


                               --------------------------------------
                               XXXXXX X. XXXXXXX

                               X. X. XXXXXXX ENTERPRISES, INC.

                              By:
                                  -----------------------------------
                                   XXXXXX X. XXXXXXX, President


                               --------------------------------------
                               XXXXXX XXXXXXX


                               --------------------------------------
                               XXXXXX XXXXXXX, as Custodian for Xxxxx Xxxxxxx


                               --------------------------------------
                               XXXXXX XXXXXXX, as Custodian for Xxxxxxx Xxxxxxx





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