CHIQUITA BRANDS INTERNATIONAL INC
SC 13D/A, 1995-04-12
MEAT PACKING PLANTS
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          <PAGE>
                          SECURITIES AND EXCHANGE COMMISSION
                                WASHINGTON, D.C. 20549

                                     SCHEDULE 13D

                      Under the Securities Exchange Act of 1934


                                  (Amendment No. 36)


                         Chiquita Brands International, Inc.
                                   (Name of Issuer)


                         Common Capital Stock, $.33 Par Value
                            (Title of Class of Securities)



                                     170032-10-6  
                                    (CUSIP Number)



                                 James E. Evans, Esq.
                                One East Fourth Street
                                Cincinnati, Ohio 45202
                                    (513) 579-2536                     
                    (Name, Address and Telephone Number of Person
                   Authorized to Receive Notices and Communications)



                                    April 3, 1995                     
               (Date of Event Which Requires Filing of this Statement)


          If the filing person has previously filed a statement on Schedule
          13G to report the acquisition which is the subject of this
          Schedule 13D, and is filing this schedule because of Rule
          13d-1(b)(3) or (4), check the following box [ ].

          Check the following box if a fee is being paid with this
          statement [ ].

                                  Page 1 of 19 Pages
<PAGE>



          <PAGE>

          CUSIP NO. 170032-10-6          13D             Page 2 of 19 Pages
            
          1    NAME OF REPORTING PERSONS
               S.S. OR I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS

                    American Premier Group, Inc.               31-1422526
                    American Financial Corporation             31-0624874

          2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*    (a) [X]
                                                                    (b) [ ]

          3    SEC USE ONLY

          4    SOURCE OF FUNDS*

                    N/A

          5    CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS
               IS REQUIRED PURSUANT TO ITEM 2(d) or 2(e)                [ ]

          6    CITIZENSHIP OR PLACE OF ORGANIZATION

                    Ohio corporations
             
          7    NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON
               WITH:
               SOLE VOTING POWER

                     - - - 

          8    SHARED VOTING POWER

                    22,987,640 (See Item 5)

          9    SOLE DISPOSITIVE POWER

                     - - -

          10    SHARED DISPOSITIVE POWER

                    22,987,640 (See Item 5)

          11    AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING
                PERSON

                    22,987,640 (See Item 5)

          12    CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11)
                EXCLUDES CERTAIN SHARES*                                [ ]

          13    PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)

                    45.8% (See Item 5)

          14    TYPE OF REPORTING PERSON*
                
                    HC
                    CO
<PAGE>



          <PAGE>

          CUSIP NO. 170032-10-6          13D             Page 3 of 19 Pages
            
          1    NAME OF REPORTING PERSONS
               S.S. OR I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS

                    Carl H. Lindner

          2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*    (a) [X]
                                                                    (b) [ ]
          3    SEC USE ONLY

          4    SOURCE OF FUNDS*

                    N/A

          5    CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS
               IS REQUIRED PURSUANT TO ITEM 2(d) or 2(e)                [ ]

          6    CITIZENSHIP OR PLACE OF ORGANIZATION

                    United States Citizen
             
          7    NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON
               WITH:
               SOLE VOTING POWER

                    39,368

          8    SHARED VOTING POWER

                    22,987,640 (See Item 5)

          9    SOLE DISPOSITIVE POWER

                    39,368

          10    SHARED DISPOSITIVE POWER

                    22,987,640 (See Item 5)

          11    AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING
                PERSON

                    23,027,008 (See Item 5)

          12    CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11)
                EXCLUDES CERTAIN SHARES*                                [ ]

          13    PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)

                    45.8% (See Item 5)

          14    TYPE OF REPORTING PERSON*
                
                    IN
<PAGE>



          <PAGE>

          CUSIP NO. 170032-10-6          13D             Page 4 of 19 Pages
            
          1    NAME OF REPORTING PERSONS
               S.S. OR I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS

                    Carl H. Lindner III

          2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*    (a) [X]
                                                                    (b) [ ]
          3    SEC USE ONLY

          4    SOURCE OF FUNDS*

                    N/A

          5    CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS
               IS REQUIRED PURSUANT TO ITEM 2(d) or 2(e)                [ ]

          6    CITIZENSHIP OR PLACE OF ORGANIZATION

                    United States Citizen
             
          7    NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON
               WITH:
               SOLE VOTING POWER

                     - - - 

          8    SHARED VOTING POWER

                    22,987,640 (See Item 5)

          9    SOLE DISPOSITIVE POWER

                     - - -

          10    SHARED DISPOSITIVE POWER

                    22,987,640 (See Item 5)

          11    AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING
                PERSON

                    22,987,640 (See Item 5)

          12    CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11)
                EXCLUDES CERTAIN SHARES*                                [ ]

          13    PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)

                    45.8% (See Item 5)

          14    TYPE OF REPORTING PERSON*
                
                    IN
<PAGE>



          <PAGE>

          CUSIP NO. 170032-10-6          13D             Page 5 of 19 Pages
            
          1    NAME OF REPORTING PERSONS
               S.S. OR I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS

                    S. Craig Lindner

          2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*    (a) [X]
                                                                    (b) [ ]
          3    SEC USE ONLY

          4    SOURCE OF FUNDS*

                    N/A

          5    CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS
               IS REQUIRED PURSUANT TO ITEM 2(d) or 2(e)                [ ]

          6    CITIZENSHIP OR PLACE OF ORGANIZATION

                    United States Citizen
             
          7    NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON
               WITH:
               SOLE VOTING POWER

                    38,730 

          8    SHARED VOTING POWER

                    22,987,640 (See Item 5)

          9    SOLE DISPOSITIVE POWER

                    38,730

          10    SHARED DISPOSITIVE POWER

                    22,987,640 (See Item 5)

          11    AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING
                PERSON

                    23,026,370 (See Item 5)

          12    CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11)
                EXCLUDES CERTAIN SHARES*                                [ ]

          13    PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)

                    45.8% (See Item 5)

          14    TYPE OF REPORTING PERSON*
                
                    IN
<PAGE>



          <PAGE>

          CUSIP NO. 170032-10-6          13D             Page 6 of 19 Pages
            
          1    NAME OF REPORTING PERSONS
               S.S. OR I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS

                    Keith E. Lindner

          2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*    (a) [X]
                                                                    (b) [ ]
          3    SEC USE ONLY

          4    SOURCE OF FUNDS*

                    N/A

          5    CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS
               IS REQUIRED PURSUANT TO ITEM 2(d) or 2(e)                [ ]

          6    CITIZENSHIP OR PLACE OF ORGANIZATION

                    United States Citizen
             
          7    NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON
               WITH:
               SOLE VOTING POWER

                    37,216 

          8    SHARED VOTING POWER

                    22,987,640 (See Item 5)

          9    SOLE DISPOSITIVE POWER

                    37,216

          10    SHARED DISPOSITIVE POWER

                    22,987,640 (See Item 5)

          11    AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING
                PERSON

                    23,024,856 (See Item 5)

          12    CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11)
                EXCLUDES CERTAIN SHARES*                                [ ]

          13    PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)

                    45.8% (See Item 5)

          14    TYPE OF REPORTING PERSON*
                
                    IN
<PAGE>






          <PAGE>



          Item 1.  Security and Issuer.


              This Amendment No. 36 to Schedule 13D is filed on behalf of
          American Premier Group, Inc. ("American Premier"), American
          Financial Corporation ("AFC"), and Carl H. Lindner, Carl H.
          Lindner III, S. Craig Lindner and Keith E. Lindner (collectively,
          the "Lindner Family") (American Premier, AFC and the Lindner
          Family are collectively referred to as the "Reporting Persons"),
          to amend and update the Schedule 13D most recently amended by AFC
          and Carl H. Lindner on November 11, 1992, relative to the common
          capital stock par value $.33 per share ("Common Stock") issued by
          Chiquita Brands International, Inc. ("Chiquita").  American
          Premier, Carl H. Lindner III, S. Craig Lindner and Keith E.
          Lindner are being added as Reporting Persons as a result of the
          transaction described in Item 3 below.

              The principal executive offices of Chiquita are located at
          250 East Fifth Street, Cincinnati, Ohio  45202.  All capitalized
          terms not otherwise defined herein shall have the meanings
          assigned to them in the Schedule 13D, as amended.  Items not
          included in this amendment are either not amended or are not
          applicable.

              As of April 7, 1995, the Lindner Family beneficially owned
          approximately 49.8% of the outstanding common stock of American
          Premier and American Premier beneficially owned all of the common
          stock of AFC (approximately 79% of AFC's outstanding voting
          equity securities).


          Item 2.  Identity and Background.

              See the schedule attached hereto as Exhibit 1 which contains
          additional information concerning the Lindner Family, American
          Premier and AFC.


          Item 3.  Source and Amount of Funds or Other Consideration.

              On April 3, 1995, American Premier acquired AFC and American
          Premier Underwriters, Inc. ("APU") in a transaction involving the
          merger of AFC and APU with two separate wholly-owned subsidiaries
          of American Premier.  As a result of that transaction, American
          Premier became the beneficial owner of all of the equity
          securities held by AFC, APU and their subsidiaries.  The shares
          of Chiquita Common Stock to which this Statement relates are held
          as set forth in Item 5.




                                        - 7 -
<PAGE>






          <PAGE>


              Through their ownership of approximately 49.8% of the
          outstanding common stock of American Premier and their positions
          as directors and executive officers of American Premier, the
          members of the Lindner Family may be deemed to be controlling
          persons with respect to American Premier.


          Item 4.  Purpose of the Transaction.

              The Reporting Persons consider their beneficial ownership of
          Chiquita equity securities as an investment which they continue
          to evaluate.  From time to time, the Reporting Persons may
          acquire additional Chiquita equity securities or dispose of some
          or all of the Chiquita equity securities which they beneficially
          own.

                The Reporting Persons have substantial influence over the
          management and operations of Chiquita and participate in the
          formulation, determination and direction of business policies. 
          Carl H. Lindner is the Chairman of the Board and Chief Executive
          Officer, Keith E. Lindner is the President and Chief Operating
          Officer and Fred J. Runk and Thomas E. Mischell are Vice
          Presidents of Chiquita.  In addition, designees of American
          Premier constitute five of eight members on Chiquita's Board of
          Directors.  As a result of the foregoing, the members of the
          Reporting Persons may be deemed to be controlling persons of
          Chiquita.

              Except as set forth in this Item 4, the Reporting Persons
          presently have no plans or proposals that relate to or would
          result in any of the actions specified in clauses (a) through (j)
          of Item 4 of Schedule 13D.


          Item 5.  Interest in Securities of the Issuer.

              As of April 7, 1995, the Reporting Persons beneficially owned
          23,102,954 shares (or approximately 45.9% of the outstanding
          shares) of Chiquita Common Stock as follows:














                                        - 8 -
<PAGE>






          <PAGE>

                  Holder                         Number of Shares

                  Carl H. Lindner                       39,368*
                  S. Craig Lindner                      38,730*
                  Keith E. Lindner                      37,216*
                  AAL                                   39,649
                  AEIC                                  75,717
                  AESIC                                 63,705
                  AESLIC                             1,684,447
                  AFC                                4,551,314
                  AGR                                   25,574
                  ANF                                   41,217
                  ASI                                   73,134
                  EAI                                   27,281
                  EPI                                   37,238
                  GAI                               12,096,496
                  GALIC                              2,672,572
                  MCC                                  563,755
                  OSC                                   58,561
                  SHIC                                   5,135
                  SIC                                  644,543
                  SSLIC                                 29,065
                  TICO                                  18,227
                  TRANS                                280,010
                             TOTAL                  23,102,954


          *Represents shares issuable pursuant to employee stock options
          exercisable within sixty days.

          AAL     =  American Alliance Insurance Company (a)
          AEIC    =  American Empire Insurance Company (a)
          AESIC   =  Agricultural Excess and Surplus Insurance Company (a)
          AESLIC  =  American Empire Surplus Lines Insurance Company (a)
          AGR     =  Agricultural Insurance Company (a)
          ANF     =  American National Fire Insurance Company (a)
          ASI     =  American Spirit Insurance Company (a)
          EAI     =  Eagle American Insurance Company (a)
          EPI     =  Eden Park Insurance Company (a)
          GAI     =  Great American Insurance Company ("GAI") (b)
          GALIC   =  Great American Life Insurance Company (c)
          MCC     =  Mid-Continent Casualty Company (a)
          OSC     =  Oklahoma Surety Company (a)
          SHIC    =  Seven Hills Insurance Company (a)
          SIC     =  Stonewall Insurance Company (a)
          SSLIC   =  Stonewall Surplus Lines Insurance Company (a)
          TICO    =  TICO Insurance Company (a)
          TRANS   =  Transport Insurance Company (a)

          (a)     100% owned subsidiaries of GAI
          (b)     100% owned subsidiary of AFC
          (c)     81.4% owned subsidiary of American Premier


                                        - 9 -
<PAGE>






          <PAGE>

                  On March 7, 1995, Chiquita distributed 24,976 shares of
          Chiquita Common Stock to GAI as the capitalized dividend on its
          $1.32 Depositary Shares.

                  Each company listed above shares with the Reporting
          Persons the power to vote or to direct the voting of, and the
          power to dispose or to direct the disposition of, the Chiquita
          Common Stock held by such company.

                  Certain officers and directors of American Premier and
          AFC beneficially own shares of Chiquita Common Stock.

                  Holder                             Number of Shares

                  Ronald F. Walker                       38,730
                  Fred J. Runk                          124,837
                  Thomas E. Mischell                     75,606
                  Robert C. Lintz                         5,000

                  In addition, certain of these officers and directors are
          participants in the Chiquita Savings and Investment Plan.  The
          shares held in the Plan are voted by the Plan trustees.

                  As of April 7, 1995 and within the past 60 days, to the
          best knowledge and belief of the undersigned and other than as
          set forth herein, no transactions involving Chiquita Common Stock
          had been engaged in by the Reporting Persons, by American
          Premier's or AFC's directors or executive officers.


          Item 6. Contracts, Arrangements, Understandings or Relationships
                  with Respect to Securities of the Issuer.

                  None.


          Item 7.   Material to be filed as Exhibits.

               (1)  Schedule referred to in Item 2.

               (2)  Agreement required pursuant to Regulation Section
                    240.13d-1(f)(1) promulgated under the Securities
                    Exchange Act of 1934, as amended.

               (3)  Powers of Attorney executed in connection with filings
                    under the Securities Exchange Act of 1934, as amended.








                                        - 10 -
<PAGE>






          <PAGE>


               After reasonable inquiry and to the best knowledge and
          belief of the undersigned, it is hereby certified that the
          information set forth in this statement is true, complete and
          correct.


          Dated:  April 12, 1995     AMERICAN PREMIER GROUP, INC.


                                      By: James E. Evans                
                                             James E. Evans, Senior Vice
                                              President and General Counsel

                                     AMERICAN FINANCIAL CORPORATION


                                     By: James C. Kennedy                 
                                         James C. Kennedy, Deputy General
                                           Counsel and Secretary


                                            James C. Kennedy               
                                          James C. Kennedy, As              
                                             Attorney-in-Fact for:
                                               Carl H. Lindner
                                               Carl H. Lindner III
                                               S. Craig Lindner
                                               Keith E. Lindner






          (CQB.#36)


















                                        - 11 -
<PAGE>






          <PAGE>

          Exhibit 1

          Item 2.  Identity and Background.

               American Premier is a holding company which was formed to
          acquire and own all of the outstanding common stock of both
          American Financial Corporation ("AFC") and American Premier
          Underwriters, Inc. in a transaction which was consummated on
          April 3, 1995.  American Premier operates through indirect,
          wholly-owned and majority-owned subsidiaries (including AFC and
          American Premier Underwriters, Inc.) and other companies in which
          it beneficially owns significant equity interests.  These
          companies operate in a variety of financial businesses, primarily
          property and casualty insurance and including annuities and
          portfolio investing.  In non-financial areas, these companies
          have substantial operations in the food products industry, and
          radio and television station operations.  

               Carl H. Lindner's principal occupation is as Chairman of the
          Board of Directors and Chief Executive Officer of American
          Premier.  Mr. Lindner has been Chairman of the Board and Chief
          Executive Officer of AFC since it was founded over 35 years ago
          and has been Chairman of the Board and Chief Executive Officer of
          American Premier Underwriters, Inc. since 1987.  

               Carl H. Lindner III's principal occupation is as President
          of American Premier.

               S. Craig Lindner's principal occupations are as Vice
          Chairman of American Premier and President of American Annuity
          Group, Inc., a subsidiary of American Premier.  

               Keith E. Lindner's principal occupations are as Vice
          Chairman of American Premier and President and Chief Operating
          Officer of Chiquita Brands International, Inc., an affiliate of
          American Premier.  

               The identity and background of the executive officers,
          directors and controlling persons of American Premier (other than
          the Lindner Family, which is set forth above) are as follows:

               1.  Theodore H. Emmerich is a retired managing partner of
          Ernst & Young, certified public accountants, Cincinnati, Ohio. 
          He is presently a director of American Premier.  Mr. Emmerich's
          address is 1201 Edgecliff Place, Cincinnati, Ohio, 45206.

               2.  James E. Evans' principal occupation is as Senior Vice
          President and General Counsel of American Premier.  He is
          presently a director of American Premier.





                                        - 12 -
<PAGE>






          <PAGE>

               3.  Thomas M. Hunt's principal occupation is as President of
          Hunt Petroleum Corporation, an oil and gas production company. 
          He is presently a director of American Premier.  Mr. Hunt's
          business address is 5000 Thanksgiving Tower, 1601 Elm Street,
          Dallas, Texas, 75201.

               4.  Alfred W. Martinelli's principal occupation is as
          Chairman and Chief Executive Officer of Buckeye Management
          Company.  He is presently a director of American Premier.  Mr.
          Martinelli's business address is 100 Matsonford Road, Building 5,
          Suite 445, Radnor, Pennsylvania 19807. 

               5.  William Martin's principal occupation is as Chairman of
          the Board of MB Computing, Inc., a privately held computer
          software development company.  He is presently a director of
          American Premier.  Mr. Martin's business address is 245 46th
          Avenue, St. Petersburg Beach, Florida 33706.

               6.  Neil M. Hahl's principal occupation is as a Senior Vice
          President of American Premier.  He is presently a director of
          American Premier.

               7.  Robert W. Olson's principal occupation is as Senior Vice
          President and Secretary of American Premier.  He is presently a
          director of American Premier.

               8.  Fred J. Runk's present principal occupation is as Senior
          Vice President and Treasurer of American Premier. 

               9.  Thomas E. Mischell's principal occupation is as Senior
          Vice President - Taxes of American Premier.  

               The identity and background of the executive officers,
          directors and controlling persons of AFC (other than the Lindner
          Family, which is set forth above) are as follows:

               1.  Robert D. Lindner's principal occupation is as Chairman
          of the Board of Directors of United Dairy Farmers, Inc.   He is
          presently a director of AFC.  Mr. Lindner's business address is
          3955 Montgomery Road, Cincinnati, Ohio 45212.

               2.  Richard E. Lindner is a private investor.  He was
          Chairman of the Board and Chief Executive Officer of Thriftway,
          Inc. (a privately-held supermarket chain) until its sale in March
          1995.  He is presently a director of AFC.  Mr. Lindner's business
          address is 4901 Hunt Road, Cincinnati, Ohio 45242, Cincinnati,
          Ohio 45242.

               3.  Ronald F. Walker's principal occupation is as an
          executive of AFC.  He is presently a director of AFC.  Mr.
          Walker's business address is 580 Walnut Street, Cincinnati, Ohio
          45202.


                                        - 13 -
<PAGE>






          <PAGE>

               4.  James E. Evans' principal occupation is as Senior Vice
          President and General Counsel of American Premier.  

               5.  Sandra W. Heimann's principal occupation is as a Vice
          President of AFC.

               6.  Robert C. Lintz's principal occupation is as a Vice
          President of AFC.  

               7.  Thomas E. Mischell's principal occupation is as Senior
          Vice President - Taxes of American Premier.  

               8.  Fred J. Runk's present principal occupation is as Senior
          Vice President and Treasurer of American Premier. 

               The Lindner Family and American Premier may be deemed to be
          controlling persons with respect to AFC.  

                    Unless otherwise noted, the business address of
          American Premier, AFC and each of the persons listed above is One
          East Fourth Street, Cincinnati, Ohio, 45202, and all of the
          individuals are citizens of the United States.

               None of the persons listed above have during the last five
          years (i) been convicted in a criminal proceeding (excluding
          traffic violations or similar misdemeanors) or (ii) been a party
          to a civil proceeding of a judicial or administrative body of
          competent jurisdiction and as a result of such proceeding was or
          is subject to a judgment, decree or final order enjoining future
          violations of, or prohibiting or mandating activities subject to,
          federal or state securities laws or finding any violation with
          respect to such laws.






















                                        - 14 -
<PAGE>



          <PAGE>

          Exhibit 2
                                      AGREEMENT

               This Agreement executed this 7th day of April, 1995, is by
          and between American Premier Group, Inc. ("American Premier") and
          American Financial Corporation ("AFC"), both Ohio corporations,
          located at One East Fourth Street, Cincinnati, Ohio 45202, and
          Carl H. Lindner ("CHL"), Carl H. Lindner III (CHL III), S. Craig
          Lindner ("SCL") and Keith E. Lindner ("KEL"), each an individual,
          the business address of each is One East Fourth Street,
          Cincinnati, Ohio 45202.  CHL, CHL III, SCL and KEL are referred
          to herein collectively as the Lindner Family.

               WHEREAS, as of the date of this Agreement, American Premier
          owns 100% of the common stock of AFC and the Lindner Family
          beneficially owns approximately 49.9% of American Premier's
          outstanding Common Stock and each member of the Lindner Family is
          a director and executive officer of American Premier and AFC;

               WHEREAS, the Lindner Family may be deemed to be the
          beneficial owner of securities held by AFC and its subsidiaries
          pursuant to Regulation Section 240.13d-3 promulgated under the
          Securities Exchange Act of 1934, as amended;

               WHEREAS, American Premier and AFC and their subsidiaries
          from time to time must file statements pursuant to certain
          sections of the Securities Exchange Act of 1934, as amended,
          concerning the ownership of equity securities of public
          companies; 

               NOW THEREFORE BE IT RESOLVED, that American Premier, AFC and
          the Lindner Family, do hereby agree to file jointly with the
          Securities and Exchange Commission any schedules or other filings
          or amendments thereto made by or on behalf of American Premier,
          AFC or any of their subsidiaries pursuant to Section 13(d),
          13(f), 13(g), and 14(d) of the Securities Exchange Act of 1934,
          as amended.
                                   AMERICAN PREMIER GROUP, INC.
                                   AMERICAN FINANCIAL CORPORATION

                                   By: /s/ James E. Evans          
                                        James E. Evans
                                        Vice President & General Counsel

                                        /s/ Carl H. Lindner              
                                             Carl H. Lindner

                                        /s/ Carl H. Lindner III          
                                             Carl H. Lindner III

                                        /s/ S. Craig Lindner             
                                             S. Craig Lindner

                                        /s/ Keith E. Lindner             
                                             Keith E. Lindner


                                        - 15 -
<PAGE>



          <PAGE>

          Exhibit 3

                                  POWER OF ATTORNEY



               I, Carl H. Lindner, do hereby appoint James E. Evans and
          James C. Kennedy, or either of them, as my true and lawful
          attorneys-in-fact to sign on my behalf individually and as
          Chairman of the Board of Directors and Chief Executive Officer of
          American Premier Group, Inc. or as a director or executive
          officer of any of its subsidiaries and to file with the
          Securities and Exchange Commission any schedules or other filings
          or amendments thereto made by me or on behalf of American Premier
          Group, Inc. or any of its subsidiaries pursuant to Sections
          13(d), 13(f), 13(g), and 14(d) of the Securities and Exchange Act
          of 1934, as amended.

               IN WITNESS WHEREOF, I have hereunto set my hand at
          Cincinnati, Ohio this 4th day of April, 1995.



                                        /s/ Carl H. Lindner               
                                        Carl H. Lindner
































                                        - 16 -
<PAGE>



          <PAGE>

                                  POWER OF ATTORNEY



               I, Carl H. Lindner III, do hereby appoint James E. Evans and
          James C. Kennedy, or either of them, as my true and lawful
          attorneys-in-fact to sign on my behalf individually and as an
          officer or director of American Premier Group, Inc. or as a
          director or executive officer of any of its subsidiaries and to
          file with the Securities and Exchange Commission any schedules or
          other filings or amendments thereto made by me or on behalf of
          American Premier Group, Inc. or any of its subsidiaries pursuant
          to Sections 13(d), 13(f), 13(g), and 14(d) of the Securities and
          Exchange Act of 1934, as amended.

               IN WITNESS WHEREOF, I have hereunto set my hand at
          Cincinnati, Ohio this 4th day of April, 1995.



                                        /s/ Carl H. Lindner III             
                                        Carl H. Lindner III



































                                        - 17 -
<PAGE>



          <PAGE>

                                  POWER OF ATTORNEY



               I, S. Craig Lindner, do hereby appoint James E. Evans and
          James C. Kennedy, or either of them, as my true and lawful
          attorneys-in-fact to sign on my behalf individually and as an
          officer or director of American Premier Group, Inc. or as a
          director or executive officer of any of its subsidiaries and to
          file with the Securities and Exchange Commission any schedules or
          other filings or amendments thereto made by me or on behalf of
          American Premier Group, Inc. or any of its subsidiaries pursuant
          to Sections 13(d), 13(f), 13(g), and 14(d) of the Securities and
          Exchange Act of 1934, as amended.

               IN WITNESS WHEREOF, I have hereunto set my hand at
          Cincinnati, Ohio this 4th day of April, 1995.



                                        /s/ S. Craig Lindner                
                                        S. Craig Lindner



































                                        - 18 -
<PAGE>



          <PAGE>

                                  POWER OF ATTORNEY



               I, Keith E. Lindner, do hereby appoint James E. Evans and
          James C. Kennedy, or either of them, as my true and lawful
          attorneys-in-fact to sign on my behalf individually and as an
          officer or director of American Premier Group, Inc. or as a
          director or executive officer of any of its subsidiaries and to
          file with the Securities and Exchange Commission any schedules or
          other filings or amendments thereto made by me or on behalf of
          American Premier Group, Inc. or any of its subsidiaries pursuant
          to Sections 13(d), 13(f), 13(g), and 14(d) of the Securities and
          Exchange Act of 1934, as amended.

               IN WITNESS WHEREOF, I have hereunto set my hand at
          Cincinnati, Ohio this 4th day of April, 1995.



                                        /s/ Keith E. Lindner              
                                             Keith E. Lindner










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