EXHIBIT 10.23 EXECUTIVE SEVERANCE AGREEMENT As of December 31, 1998, each of the following officers have entered into an Executive Severance Agreement identical to the form of Executive Severance Agreement that is incorporated by reference from...

                              EXHIBIT 10.23

                       EXECUTIVE SEVERANCE AGREEMENT

          As of December 31, 1998, each of the following officers have
entered into an Executive Severance Agreement identical to the form of
Executive Severance Agreement that is incorporated by reference from
Exhibit 10.18 of the Company's Form 8-K filed March 5, 1997:

                         Xxxx X. Xxxxxxx
                         Xxxxxx X. Xxxxxxx
                         Xxxxxx X. Xxxxxxxx
                         Xxxxx X. Dams
                         Xxxxxxx X. Xxxxxxx
                         E. Xxxxxx Xxxxxx
                         Xxxx X. Xxxxxxx
                         Xxxxx X. Xxxxxxx
                         Xxxxxx X. Xxxxxxx
                         Xxxxxxx X. Xxxx
                         Xxxxx X. Xxxxxxxx
                         Xxxxxxx X. XxXxxxx
                         Xxxxxx X. Xxxxxxx
                         Xxxxxxx X. Xxxxxxx
                         Xxxxx X. Xxxxxxxxx
                         Xxxxxx X. Xxxxxxx
                         Xxxxxxxx X. XxxXxxx
                         Xxxxxxx X. Xxxxxx