Exhibit A-2 FORM OF COMMERCIAL PAPER NOTE

                                                                   Exhibit A-2








                          FORM OF COMMERCIAL PAPER NOTE

                                (Name of Company)

$_________________________                                 No.________________

On_______________________for value received we promise to pay to the order of
bearer the sum of_____________________________DOLLARS payable at the principal
office of ________________________New York, N.Y.

Date Issued_________________________

Countersigned                                         (Name of Company)

as agent

By____________________                               By___________________
               (Title)                                             (Title)


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                                                                    (Title)