JOINT FILING AGREEMENT

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                                                             Page 25 of 26 Pages


                             JOINT FILING AGREEMENT


            The undersigned hereby agree to the joint filing of the Schedule 13D
to which this Agreement is attached.

Dated:    May 9, 1997


                                          XXXXXX, XXX & CO. LIMITED PARTNERSHIP


                                          By: /s/Xxxxxx X. Xxx
                                              -----------------------------
                                              Xxxxxx X. Xxx
                                              Managing General Partner


                                          X.X.X. XXXXXX FOUNDATION


                                          By: /s/ Xxxxxx X. Xxx
                                              -----------------------------
                                              Xxxxxx X. Xxx
                                              Vice President and Director


                                          QUAKER HILL ASSOCIATES, L.P.


                                          By: /s/ Xxxxxx X. Xxx
                                              -----------------------------
                                              Xxxxxx X. Xxx
                                              General Partner


                                          UPLAND ASSOCIATES L.P.

                                          By: /s/ Xxxxxx X. Xxx
                                              -----------------------------
                                              Xxxxxx X. Xxx
                                              General Partner


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                                                             Page 26 of 26 Pages

                                          NAMAKAGON ASSOCIATES, L.P.


                                          By: /s/ Xxxxxx X. Xxx
                                              --------------------------------
                                              Xxxxxx X. Xxx
                                              General Partner



                                              /s/ Xxxxxx X. Xxx
                                              --------------------------------
                                              Xxxxxx X. Xxx