EVANS INC
SC 13D/A, 1999-07-15
APPAREL & ACCESSORY STORES
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                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                  SCHEDULE 13D

                   UNDER THE SECURITIES EXCHANGE ACT OF 1934
                               (AMENDMENT NO. 1)*

                                   EVANS, INC.
- --------------------------------------------------------------------------------
                                (Name of Issuer)

                          COMMON STOCK, PAR VALUE $.20
- --------------------------------------------------------------------------------
                         (Title of Class of Securities)

                                   299155101
         --------------------------------------------------------------
                                 (CUSIP Number)

- --------------------------------------------------------------------------------
                                  Norman Siegal
                                Intrepid Capital
                                  3521 Oaklawn
                                     PMB 105
                               Dallas, Texas 75219
                                 (214) 526-3500
   (Name, Address and Telephone Number of Person Authorized to Receive Notices
                              and Communications)

                                  July 9, 1999
         --------------------------------------------------------------
            (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  that is the subject of this Schedule 13D, and is filing
this schedule  because of Rule 13d-1(e),  Rule 13d-1(f) or Rule 13d-1(g),  check
the following box .

      Note:  Schedules  filed in paper format shall  include a signed  original
and five copies of the  schedule,  including  all  exhibits.  See Rule 13d-7(b)
for other parties to whom copies are to be sent.

      *The  remainder  of this cover  page  shall be filled out for a  reporting
person's  initial  filing on this  form with  respect  to the  subject  class of
securities,  and for any subsequent amendment containing information which would
alter disclosures provided in a prior cover page.

      The information  required on the remainder of this cover page shall not be
deemed to be "filed"  for the purpose of Section 18 of the  Securities  Exchange
Act of 1934 ("Act") or otherwise  subject to the  liabilities of that section of
the Act but shall be subject to all other  provisions of the Act  (however,  see
the Notes).

<PAGE>


                                  SCHEDULE 13D

- ----------------------------                           -------------------------
CUSIP NO. 299155101                                    PAGE 2 OF 14 PAGES
- ----------------------------                           -------------------------


- --------------------------------------------------------------------------------
1    NAME OF REPORTING PERSON
     S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
     Hal Robert Pettigrew, Jr. Trust
- --------------------------------------------------------------------------------
2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions)
     (A)[ ] (B)[X]
- --------------------------------------------------------------------------------
3    SEC USE ONLY

- --------------------------------------------------------------------------------
4    SOURCE OF FUNDS (See Instructions)
     WC
- --------------------------------------------------------------------------------
5    CHECK IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS
     2(d) or 2(e) [ ]
- --------------------------------------------------------------------------------
6    CITIZENSHIP OR PLACE OF ORGANIZATION
     Texas
- --------------------------------------------------------------------------------
                7     SOLE VOTING POWER
                      None
   NUMBER OF    ----------------------------------------------------------------
    SHARES      8     SHARED VOTING POWER
 BENEFICIALLY         41,075
   OWNED BY    ----------------------------------------------------------------
     EACH       9     SOLE DISPOSITIVE POWER
   REPORTING          None
    PERSON     ----------------------------------------------------------------
     WITH       10    SHARED DISPOSITIVE POWER
                      41,075
- --------------------------------------------------------------------------------
11     AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
       41,075
- --------------------------------------------------------------------------------
12     CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See
       Instructions) [ ]
- --------------------------------------------------------------------------------
13     PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
       3.16%
- --------------------------------------------------------------------------------
14     TYPE OF REPORTING PERSON (See Instructions)
       OO
- --------------------------------------------------------------------------------

<PAGE>


                                  SCHEDULE 13D

- ----------------------------                           -------------------------
CUSIP NO. 299155101                                    PAGE 3 OF 14 PAGES
- ----------------------------                           -------------------------


- --------------------------------------------------------------------------------
1    NAME OF REPORTING PERSON
     S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
     Charles Gordon Pettigrew Trust
- --------------------------------------------------------------------------------
2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions)
     (A)[ ] (B)[X]
- --------------------------------------------------------------------------------
3    SEC USE ONLY

- --------------------------------------------------------------------------------
4    SOURCE OF FUNDS (See Instructions)
     WC
- --------------------------------------------------------------------------------
5    CHECK IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS
     2(d) or 2(e) [ ]
- --------------------------------------------------------------------------------
6    CITIZENSHIP OR PLACE OF ORGANIZATION
     Texas
- --------------------------------------------------------------------------------
                7     SOLE VOTING POWER
                      None
   NUMBER OF    ----------------------------------------------------------------
    SHARES      8     SHARED VOTING POWER
 BENEFICIALLY         41,075
   OWNED BY     ----------------------------------------------------------------
     EACH       9     SOLE DISPOSITIVE POWER
   REPORTING          None
    PERSON      ----------------------------------------------------------------
     WITH       10    SHARED DISPOSITIVE POWER
                      41,075
- --------------------------------------------------------------------------------
11     AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
       41,075
- --------------------------------------------------------------------------------
12     CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See
       Instructions) [ ]
- --------------------------------------------------------------------------------
13     PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
       3.16%
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------
14     TYPE OF REPORTING PERSON (See Instructions)
       OO
- --------------------------------------------------------------------------------

<PAGE>


                                  SCHEDULE 13D

- ----------------------------                           -------------------------
CUSIP NO. 299155101                                    PAGE 4 OF 14 PAGES
- ----------------------------                           -------------------------


- --------------------------------------------------------------------------------
1    NAME OF REPORTING PERSON
     S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
     Jason Crockett Pettigrew Trust
- --------------------------------------------------------------------------------
2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions)
     (A)[ ] (B)[X]
- --------------------------------------------------------------------------------
3    SEC USE ONLY

- --------------------------------------------------------------------------------
4    SOURCE OF FUNDS (See Instructions)
     WC
- --------------------------------------------------------------------------------
5    CHECK IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS
     2(d) or 2(e) [ ]
- --------------------------------------------------------------------------------
6    CITIZENSHIP OR PLACE OF ORGANIZATION
     Texas
- --------------------------------------------------------------------------------
                7     SOLE VOTING POWER
                      None
   NUMBER OF    ----------------------------------------------------------------
    SHARES      8     SHARED VOTING POWER
 BENEFICIALLY         41,075
   OWNED BY    ----------------------------------------------------------------
     EACH       9     SOLE DISPOSITIVE POWER
   REPORTING          None
    PERSON      ----------------------------------------------------------------
     WITH       10    SHARED DISPOSITIVE POWER
                      41,075
- --------------------------------------------------------------------------------
11     AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
       41,075
- --------------------------------------------------------------------------------
12     CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See
       Instructions) [ ]
- --------------------------------------------------------------------------------
13     PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
       3.16%
- --------------------------------------------------------------------------------
14     TYPE OF REPORTING PERSON (See Instructions)
       OO
- --------------------------------------------------------------------------------

<PAGE>


                                  SCHEDULE 13D

- ----------------------------                           -------------------------
CUSIP NO. 299155101                                    PAGE 5 OF 14 PAGES
- ----------------------------                           -------------------------


- --------------------------------------------------------------------------------
1    NAME OF REPORTING PERSON
     S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
     Benjamin Virgil Pettigrew Trust
- --------------------------------------------------------------------------------
2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions)
     (A)[ ] (B)[X]
- --------------------------------------------------------------------------------
3    SEC USE ONLY

- --------------------------------------------------------------------------------
4    SOURCE OF FUNDS (See Instructions)
     WC
- --------------------------------------------------------------------------------
5    CHECK IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS
     2(d) or 2(e) [ ]
- --------------------------------------------------------------------------------
6    CITIZENSHIP OR PLACE OF ORGANIZATION
     Texas
- --------------------------------------------------------------------------------
                7     SOLE VOTING POWER
                      None
   NUMBER OF    ----------------------------------------------------------------
    SHARES      8     SHARED VOTING POWER
 BENEFICIALLY         41,075
   OWNED BY     ----------------------------------------------------------------
     EACH       9     SOLE DISPOSITIVE POWER
   REPORTING          None
    PERSON      ----------------------------------------------------------------
     WITH       10    SHARED DISPOSITIVE POWER
                      41,075
- --------------------------------------------------------------------------------
11     AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
       41,075
- --------------------------------------------------------------------------------
12     CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See
       Instructions) [ ]
- --------------------------------------------------------------------------------
13     PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
       3.16%
- --------------------------------------------------------------------------------
14     TYPE OF REPORTING PERSON (See Instructions)
       OO
- --------------------------------------------------------------------------------

<PAGE>


                                  SCHEDULE 13D

- ----------------------------                           -------------------------
CUSIP NO. 299155101                                    PAGE 6 OF 14 PAGES
- ----------------------------                           -------------------------


- --------------------------------------------------------------------------------
1    NAME OF REPORTING PERSON
     S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
     Amy Gay Margaret Pettigrew Trust
- --------------------------------------------------------------------------------
2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions)
     (A)[ ] (B)[X]
- --------------------------------------------------------------------------------
3    SEC USE ONLY

- --------------------------------------------------------------------------------
4    SOURCE OF FUNDS (See Instructions)
     WC
- --------------------------------------------------------------------------------
5    CHECK IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS
     2(d) or 2(e) [ ]
- --------------------------------------------------------------------------------
6    CITIZENSHIP OR PLACE OF ORGANIZATION
     Texas
- --------------------------------------------------------------------------------
                7     SOLE VOTING POWER
                      None
   NUMBER OF    ----------------------------------------------------------------
    SHARES      8     SHARED VOTING POWER
 BENEFICIALLY         41,075
   OWNED BY     ----------------------------------------------------------------
     EACH       9     SOLE DISPOSITIVE POWER
   REPORTING          None
    PERSON      ----------------------------------------------------------------
     WITH       10    SHARED DISPOSITIVE POWER
                      41,075
- --------------------------------------------------------------------------------
11     AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
       41,075
- --------------------------------------------------------------------------------
12     CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See
       Instructions) [ ]
- --------------------------------------------------------------------------------
13     PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
       3.16%
- --------------------------------------------------------------------------------
14     TYPE OF REPORTING PERSON (See Instructions)
       OO
- --------------------------------------------------------------------------------

<PAGE>


                                  SCHEDULE 13D

- ----------------------------                           -------------------------
CUSIP NO. 299155101                                    PAGE 7 OF 14 PAGES
- ----------------------------                           -------------------------


- --------------------------------------------------------------------------------
1    NAME OF REPORTING PERSON
     S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
     Clearview Investments, Ltd.
- --------------------------------------------------------------------------------
2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions)
     (A)[ ] (B)[X]
- --------------------------------------------------------------------------------
3    SEC USE ONLY

- --------------------------------------------------------------------------------
4    SOURCE OF FUNDS (See Instructions)
     WC
- --------------------------------------------------------------------------------
5    CHECK IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS
     2(d) or 2(e) [ ]
- --------------------------------------------------------------------------------
6    CITIZENSHIP OR PLACE OF ORGANIZATION
     Texas
- --------------------------------------------------------------------------------
                7     SOLE VOTING POWER
                      None
   NUMBER OF    ----------------------------------------------------------------
    SHARES      8     SHARED VOTING POWER
 BENEFICIALLY         45,050
   OWNED BY     ----------------------------------------------------------------
     EACH       9     SOLE DISPOSITIVE POWER
   REPORTING          None
    PERSON      ----------------------------------------------------------------
     WITH       10    SHARED DISPOSITIVE POWER
                      45,050
- --------------------------------------------------------------------------------
11     AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
       45,050
- --------------------------------------------------------------------------------
12     CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See
       Instructions)
- --------------------------------------------------------------------------------
13     PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
       3.50%
- --------------------------------------------------------------------------------
14     TYPE OF REPORTING PERSON (See Instructions)
       PN
- --------------------------------------------------------------------------------

<PAGE>


                                  SCHEDULE 13D

- ----------------------------                           -------------------------
CUSIP NO. 299155101                                    PAGE 8 OF 14 PAGES
- ----------------------------                           -------------------------


- --------------------------------------------------------------------------------
1    NAME OF REPORTING PERSON
     S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
     Clearview Equities, Inc.
- --------------------------------------------------------------------------------
2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions)
     (A)[ ] (B)[X]
- --------------------------------------------------------------------------------
3    SEC USE ONLY

- --------------------------------------------------------------------------------
4    SOURCE OF FUNDS (See Instructions)
     WC
- --------------------------------------------------------------------------------
5    CHECK IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS
     2(d) or 2(e) [ ]
- --------------------------------------------------------------------------------
6    CITIZENSHIP OR PLACE OF ORGANIZATION
     Texas
- --------------------------------------------------------------------------------
                7     SOLE VOTING POWER
                      None
   NUMBER OF    ----------------------------------------------------------------
    SHARES      8     SHARED VOTING POWER
 BENEFICIALLY         45,050
   OWNED BY     ----------------------------------------------------------------
     EACH       9     SOLE DISPOSITIVE POWER
   REPORTING          None
    PERSON      ----------------------------------------------------------------
     WITH       10    SHARED DISPOSITIVE POWER
                      45,050
- --------------------------------------------------------------------------------
11     AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
       45,050
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------
12     CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See
       Instructions) [ ]
- --------------------------------------------------------------------------------
13     PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
       3.50%
- --------------------------------------------------------------------------------
14     TYPE OF REPORTING PERSON (See Instructions)
       CO
- --------------------------------------------------------------------------------

<PAGE>


                                  SCHEDULE 13D

- ----------------------------                           -------------------------
CUSIP NO. 299155101                                    PAGE 9 OF 14 PAGES
- ----------------------------                           -------------------------


- --------------------------------------------------------------------------------
1    NAME OF REPORTING PERSON
     S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
     Virgil B. Pettigrew
- --------------------------------------------------------------------------------
2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions)
     (A)[ ] (B)[X]
- --------------------------------------------------------------------------------
3    SEC USE ONLY

- --------------------------------------------------------------------------------
4    SOURCE OF FUNDS (See Instructions)
     WC
- --------------------------------------------------------------------------------
5    CHECK IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS
     2(d) or 2(e) [ ]
- --------------------------------------------------------------------------------
6    CITIZENSHIP OR PLACE OF ORGANIZATION
     United States
- --------------------------------------------------------------------------------
                7     SOLE VOTING POWER
                      None
   NUMBER OF    ----------------------------------------------------------------
    SHARES      8     SHARED VOTING POWER
 BENEFICIALLY         106,925
   OWNED BY     ----------------------------------------------------------------
     EACH       9     SOLE DISPOSITIVE POWER
   REPORTING          None
    PERSON      ----------------------------------------------------------------
     WITH       10    SHARED DISPOSITIVE POWER
                      106,925
- --------------------------------------------------------------------------------
11     AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
       106,925
- --------------------------------------------------------------------------------
12     CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See
       Instructions) [ ]
- --------------------------------------------------------------------------------
13     PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
       8.20%
- --------------------------------------------------------------------------------
14     TYPE OF REPORTING PERSON (See Instructions)
       IN
- --------------------------------------------------------------------------------

<PAGE>


                                  SCHEDULE 13D

- ----------------------------                           -------------------------
CUSIP NO. 299155101                                    PAGE 10 OF 14 PAGES
- ----------------------------                           -------------------------


- --------------------------------------------------------------------------------
1    NAME OF REPORTING PERSON
     S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
     Norman Siegal
- --------------------------------------------------------------------------------
2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions)
     (A)[ ] (B)[X]
- --------------------------------------------------------------------------------
3    SEC USE ONLY

- --------------------------------------------------------------------------------
4    SOURCE OF FUNDS (See Instructions)
     WC
- --------------------------------------------------------------------------------
5    CHECK IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS
     2(d) or 2(e)

- --------------------------------------------------------------------------------
6    CITIZENSHIP OR PLACE OF ORGANIZATION
     United States
- --------------------------------------------------------------------------------
                7     SOLE VOTING POWER
                      None
   NUMBER OF    ----------------------------------------------------------------
    SHARES      8     SHARED VOTING POWER
 BENEFICIALLY         106,925
   OWNED BY     ----------------------------------------------------------------
     EACH       9     SOLE DISPOSITIVE POWER
   REPORTING          None
    PERSON      ----------------------------------------------------------------
     WITH       10    SHARED DISPOSITIVE POWER
                      16,039
- --------------------------------------------------------------------------------
11     AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
       106,925
- --------------------------------------------------------------------------------
12     CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (See
       Instructions) [ ]
- --------------------------------------------------------------------------------
13     PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
       8.20%
- --------------------------------------------------------------------------------
14     TYPE OF REPORTING PERSON (See Instructions)
       IN
- --------------------------------------------------------------------------------

<PAGE>


                                                             PAGE 11 OF 14 PAGES



      This Amendment No. 1 to the Statement on Schedule 13D heretofore  filed on
June 24, 1999, is filed by  (collectively,  the "Reporting  Persons") a group of
five  trusts  formed  under  the laws of the State of Texas  (collectively,  the
"Trust"),  Clearview Investments,  Ltd. ("Clearview Ltd."), a partnership formed
under the laws of Texas,  whose  General  Partner is  Clearview  Equities,  Inc.
("Clearview  Equities"),  a Texas  corporation,  Virgil B.  Pettigrew and Norman
Siegal. The Trust owns the entire limited partnership interest in Clearview Ltd.
Each of the trusts comprising the Trust owns 20% of any Trust property. The five
individual  trusts which  comprise the Trust are the Hal Robert  Pettigrew,  Jr.
Trust, the Charles Gordon  Pettigrew Trust, the Jason Crockett  Pettigrew Trust,
the Benjamin Virgil Pettigrew  Trust, and the Amy Gay Margaret  Pettigrew Trust.
The sole  trustee  of each of the  trusts  comprising  the  Trust is  Virgil  B.
Pettigrew.

ITEM 5 IS HEREBY AMENDED AND RESTATED TO READ AS FOLLOWS IN ITS ENTIRETY:

Item 5. Interest in Securities of the Issuer.

            (a) The responses of the Reporting Persons to Rows (11) through (13)
of the cover page of this statement on Schedule 13D are  incorporated  herein by
reference.

            According to the Corporation's Quarterly Report on Form 10-Q for the
quarter ended  November 28, 1998, as of January 18, 1999,  the  Corporation  had
issued and outstanding 1,299,961 shares of Common Stock.

            Clearview  Equities  is the  general  partner  and the  Trust is the
limited  partner of Clearview Ltd.  Clearview  Equities is  wholly-owned  by the
Trust. Virgil B. Pettigrew, as trustee of the Trust, has sole investment control
over all the shares held by the Trust and Clearview Equities has sole investment
control  over  all the  shares  held  by  Clearview  Ltd.  As a  result  of such
investment  control,  Virgil B. Pettigrew is deemed to be a beneficial  owner of
the  Common  Stock  held of  record by the Trust  and  Clearview  Ltd.  Under an
Assignment of Interests in Proceeds Agreement (the "Siegal Agreement"), which is
included as Exhibit A hereto and incorporated herein by reference, Norman Siegal
has  been  given  control  over  the  investment  in the  Common  Stock  but his
dispositive  power is limited to the right to sell up to 15% of the Common Stock
owned by the Trust and Clearview  Ltd.,  which is 16,039 shares.  As a result of
such  investment  control,  Norman Siegal is deemed to be a beneficial  owner of
106,925  shares of the Common  Stock owned of record by the Trust and  Clearview
Ltd.

            As of the date hereof,  (i) Virgil B.  Pettigrew  is the  beneficial
owner of 106,925 shares of Common Stock,  none of which are held directly by Mr.
Pettigrew,  which shares represent 8.20% of the outstanding  Common Stock,  (ii)
the Trust  beneficially  owns 106,925  shares of Common Stock,  61,875 shares of
which are owned  directly  by the Trust and 45,050  shares of which are owned of
record  by  Clearview  Ltd.,   which  106,925  shares  represent  8.20%  of  the
outstanding Common Stock, (iii) each of the five individual trusts which compose
the Trust,  is the direct and beneficial  owner of 12,375 shares of Common Stock
and,  through its ownership  interest in Clearview Ltd., the beneficial owner of
an additional  45,050 shares of Common Stock,  (iv) Clearview Ltd.  beneficially
owns 45,050 shares of Common Stock, all of which are owned

<PAGE>


                                                             PAGE 12 OF 14 PAGES




directly by Clearview  Ltd.,  which  shares  represent  3.50% of the outstanding
Common Stock, (v) Clearview  Equities,  as general partner of Clearview Ltd., is
the beneficial  owner of 45,050 shares of Common Stock,  none of which are owned
directly  by  Clearview  Equities  and (vi)  Norman  Siegal,  through the Siegal
Agreement,  is the beneficial  owner of 106,925 shares of Common Stock,  none of
which are owned directly by Mr. Siegal.

            (b) The responses of the  Reporting  persons to (i) Rows (7) through
(10) of the cover  page of this  statement  on  Schedule  13D and (ii) Item 5(a)
hereof are incorporated herein by reference.

            (c) Clearview  Investments,  Ltd. purchased a total of 45,050 shares
of Common Stock through  separate open market purchases of 20,400 shares on June
14, 1999,  5,500 shares on June 15, 1999,  2,800 shares on June 18, 1999,  1,750
shares on July 1, 1999,  3,000 shares on July 2, 1999 and 11,600  shares on July
9,  1999.  The  purchase  price  per  share was  $1.12240,  $1.15255,  $1.19020,
$1.18750,  $1.27500 and $1.12500 on June 14, 1999, June 15, 1999, June 18, 1999,
July 1, 1999, July 2, 1999 and July 9, 1999,  respectively.  Except as set forth
in Item 5(c) hereof,  none of the Reporting Persons has effected any transaction
in the Common Stock within the past 60 days.

            (d) Norman  Siegal  shares with the Trust,  Clearview  and Virgil B.
Pettigrew  the right to receive and the power to direct the receipt of dividends
from,  or the proceeds  from the sale of, the 106,925  shares of Common Stock in
which the Trust,  Clearview and Virgil B. Pettigrew  share voting and dispositve
power.

            (e) Not applicable.


<PAGE>


                                                             PAGE 13 OF 14 PAGES




SIGNATURE.

After  reasonable  inquiry and to the best of my knowledge and belief, I certify
that the information set forth in this statement is true, complete and correct.

      Date: July 15, 1999


                                          HAL ROBERT PETTIGREW, JR. TRUST


                                          /S/ VIRGIL B. PETTIGREW
                                          --------------------------------------
                                          Virgil B. Pettigrew
                                          Trustee


                                          CHARLES GORDON PETTIGREW TRUST


                                          /S/ VIRGIL B. PETTIGREW
                                          --------------------------------------
                                          Virgil B. Pettigrew
                                          Trustee


                                          JASON CROCKETT PETTIGREW TRUST


                                          /S/ VIRGIL B. PETTIGREW
                                          --------------------------------------
                                          Virgil B. Pettigrew
                                          Trustee


                                          BENJAMIN VIRGIL PETTIGREW TRUST


                                          /S/ VIRGIL B. PETTIGREW
                                          --------------------------------------
                                          Virgil B. Pettigrew
                                          Trustee


                                          AMY GAY MARGARET PETTIGREW TRUST


                                          /S/ VIRGIL B. PETTIGREW
                                          --------------------------------------
                                          Virgil B. Pettigrew
                                          Trustee

<PAGE>


                                                             PAGE 14 OF 14 PAGES




                                          VIRGIL B. PETTIGREW


                                          /S/ VIRGIL B. PETTIGREW
                                          --------------------------------------
                                          Virgil B. Pettigrew, individually

                                          CLEARVIEW INVESTMENTS, LTD.
                                          By: Clearview Equities, Inc.


                                          By: /S/ CARLA B. FULTON
                                              ----------------------------------
                                          Its: Vice President


                                          CLEARVIEW EQUITIES, INC.


                                          By: /S/ RONALD BLACK
                                              ----------------------------------
                                          Its: Vice President


                                          NORMAN SIEGAL


                                          /S/ NORMAN SIEGAL
                                          --------------------------------------
                                          Norman Siegal, individually




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