<PAGE>
Prospectus Supplement Dated December 29, 1997 to Prospectus Dated November 19,
1997
The Company has been advised by officials of Monroe Parker Securities, Inc.
(the "Representative") that on December 22, 1997, the Representative ceased
market-making activities. The Company was further advised that the
Representative is not soliciting new customers or accounts, and has limited its
business to handling agency transactions to close out existing securities
positions. The Company has been advised that the Representative's withdrawal
from the securities business is voluntary, however, there is no expectation
that its business will resume.