AGREEMENT REGARDING JOINT FILING OF SCHEDULE 13D ------------------------------------------------ The undersigned agree that Amendment No. 2 to the Statement on Schedule 13D to which this Agreement is attached is filed on behalf of each one of them...

               AGREEMENT REGARDING JOINT FILING OF SCHEDULE 13D 
               ------------------------------------------------ 

     The undersigned agree that Amendment No. 2 to the Statement on Schedule 13D
to which this Agreement is attached is filed on behalf of each one of them
pursuant to Rule 13d-1(f)(1)(iii). This Agreement may be executed in any number
of counterparts, each of which shall be deemed to be an original and all of
which shall together constitute one instrument.


Dated: July 11, 1997

                                           /s/ Xxxxxx X. Xxxxxxx, Xx.
                                           -------------------------------
                                           Xxxxxx X. Xxxxxxx, Xx.

                                       XXX, XX. INVESTMENT CORPORATION

                                       By: /s/ Xxxxxx X. Xxxxxxx, Xx.
                                           -------------------------------
                                           Xxxxxx X. Xxxxxxx, Xx.
                                           Chairman and Vice President

                                       XXX, XX. INVESTMENTS LIMITED 
                                       PARTNERSHIP

                                       By: XXX, Xx. Investment Corporation,
                                           its general partner

                                       By: /s/ Xxxxxx X. Xxxxxxx, Xx.
                                           -------------------------------
                                           Xxxxxx X. Xxxxxxx, Xx.
                                           Chairman and Vice President