Air T, Inc.
AIRT
#9800
Rank
$58.64 M
Marketcap
$21.70
Share price
-0.46%
Change (1 day)
29.78%
Change (1 year)

Air T, Inc. - 10-Q quarterly report FY


Text size:
FORM 10-Q

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

Quarterly Report Under Section 13 or 15 (d)
of the Securities Exchange Act of 1934


For Quarter Ended December 31, 1997
Commission File Number 0-11720

AIR TRANSPORTATION HOLDING COMPANY, INC.
(Exact name of registrant as specified in its charter)

Delaware 52-1206400
(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification No.)

Post Office Box 488, Denver, North Carolina 28037
(Address of principal executive offices)

(704) 377-2109
(Registrant's telephone number, including area code)
Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15 (d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to
such filing requirements for the past 90 days.


Yes X No

APPLICABLE ONLY TO CORPORATE ISSUERS:

Indicate the number of shares outstanding of each of the issuer's classes
of common stock, as of the latest practicable date.

2,650,653 Common Shares, par value of $.25 per share were outstanding as
of February 5, 1998.
AIR TRANSPORTATION HOLDING COMPANY, INC. AND SUBSIDIARIES

INDEX



PART I. FINANCIAL INFORMATION

Item 1. Financial Statements

Consolidated Statements of Earnings
for the three and nine-month periods ended
December 31, 1997 and 1996 (Unaudited) 3

Consolidated Balance Sheets at
December 31, 1997 (Unaudited)
and March 31, 1997 4

Consolidated Statements of Cash
Flows for the nine-month periods
ended December 31, 1997 and 1996 (Unaudited) 5

Notes to Consolidated Financial
Statements (Unaudited) 6-7

Item 2. Management's Discussion and Analysis
of Financial Condition and Results
of Operations 8-11


PART II. OTHER INFORMATION

Item 6. Exhibits and Reports on Form 8-K 12-14


Exhibit Index 15



Exhibits 16-27
















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<TABLE>
AIR TRANSPORTATION HOLDING COMPANY, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF EARNINGS (UNAUDITED)

<CAPTION>

Three Months Ended Nine Months
Ended
December 31, December 31,
1997 1996 1997 1996
<S> <C> <C> <C> <C>
Operating Revenues:
Cargo $ 4,852,046 4,763,349 13,880,202 13,604,185
Maintenance 3,634,535 2,519,679 10,146,148 8,514,370
Ground equipment sales 6,367,958 - 7,920,810 -
Aircraft services and other 1,608,000 1,628,259 3,426,775 3,130,781
16,462,539 8,911,287 35,373,935 25,249,336


Operating Expenses:
Flight operations 3,498,380 3,306,428 9,876,900 9,367,683
Maintenance 4,618,683 3,993,513 12,103,188 11,132,431
Cost of ground equipment sales 4,869,276 - 6,040,056 -
General and administrative 1,931,954 1,102,440 4,328,167 3,172,792
Depreciation and amortization 162,030 95,681 384,037 317,043
Start-up & merger expense 8,766 9,000 188,521 219,000
15,089,089 8,507,062 32,920,869 24,208,949

Operating Income 1,373,450 404,225 2,453,066 1,040,387

Non-operating (Income) Expense:
Investment income (51,234) (41,769) (208,687) (161,054)
Deferred retirement obligation - - 418,000 -
Loss (gain) on asset sale & other 12,501 - 20,833 (182,359)
(38,733) (41,769) 230,146 (343,413)

Earnings Before Income Taxes 1,412,183 445,994 2,222,920 1,383,800

Provision For Income Taxes 519,667 141,414 817,267 545,370

Net Earnings $ 892,516 304,580 1,405,653 838,430


Weighted Average Shares:
Basic 2,650,653 2,611,100 2,649,246 2,620,322

Diluted 2,780,392 2,793,977 2,784,411 2,803,199

Net Earnings Per Common Share:
Basic $ 0.34 0.12 0.53 0.32

Diluted $ 0.32 0.11 0.50 0.30


<FN>
See notes to consolidated financial statements.




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</TABLE>
<TABLE>
AIR TRANSPORTATION HOLDING COMPANY, INC. AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS

<CAPTION>

December 31, 1997 March 31, 1997
(Unaudited)
<S> <C> <C>
ASSETS
Current Assets:
Cash and equivalents $ 1,100,796 2,377,898
Short term investments 2,474,019 2,229,708
Accounts receivable, net 7,052,685 3,310,810
Inventory, parts and supplies 3,983,252 1,069,206
Deferred tax asset, net 424,980 344,980
Prepaid expense and other 7,853 119,828
Total Current Assets 15,043,585 9,452,430

Property and Equipment 4,190,451 3,398,636
Less accumulated depreciation (2,291,057) (1,943,020)
1,899,394 1,455,616

Intangible pension asset and other 562,606 210,365
Total Assets $ 17,505,585 11,118,411


LIABILITIES AND STOCKHOLDERS' EQUITY
Current Liabilities:
Accounts payable $ 3,465,800 809,245
Notes payable to bank 1,545,645 -
Accrued liabilities 1,854,477 1,665,046
Income taxes 420,453 389,916
Customer deposits 155,000 -
Total Current Liabilities 7,441,375 2,864,207

Deferred Retirement Obligation 718,000 -

Stockholders' Equity:
Preferred stock, $1 par value, authorized
10,000,000 shares, none issued - -
Common stock, par value $.25; authorized
4,000,000 shares; 2,650,653 and
2,651,433 shares issued 661,991 662,858
Additional paid in capital 7,078,657 7,126,294
Retained earnings 1,605,562 465,052
9,346,210 8,254,204

Total Liabilities and Stockholders' Equity $ 17,505,585 11,118,411


<FN>
See notes to consolidated financial statements.







4
</TABLE>
<TABLE>
AIR TRANSPORTATION HOLDING COMPANY, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)
<CAPTION>
Nine Months Ended
December 30,
1997 1996
<S> <C> <C>
CASH FLOWS FROM OPERATING ACTIVITIES:
Net earnings $ 1,405,653 838,430
Adjustments to reconcile net earnings to
net cash provided by (used in) operations:
Depreciation and amortization 384,037 317,043
Change in deferred tax asset (80,000) 122,858
Change in retirement obligation 718,000 -
Gain on sale of assets - (182,359)
Charge in lieu of income taxes - 15,837
Asset and liability changes which
provided (used) cash:
Accounts receivable (4,719,768) 494,351
Parts and supplies (1,391,017) (228,000)
Prepaid expense and other (240,266) 75,008
Accounts payable 2,656,555 (300,778)
Accrued expenses 227,635 (109,532)
Income taxes payable 30,537 (21,409)
Total adjustments (2,414,287) 183,019
Net cash provided by (used in)
operating activities (1,008,634) 1,021,449
CASH FLOWS FROM INVESTING ACTIVITIES:
Business acquisition (715,981) -
Capital expenditures (540,174) (295,091)
Purchase of short term investments (960,757) (1,165,593)
Sale of short term investments 716,446 -
Proceeds from disposal of equipment - 415,000

Net cash used in investing activities (1,500,466) (1,045,684)

CASH FLOWS FROM FINANCING ACTIVITIES:
Notes payable to bank 1,545,645 -
Payment of cash dividend (265,143) (218 435)
Repurchase of common stock (67,254) (508,215)
Proceeds from exercise of stock options 18,750 5,000

Net cash provided by (used in)
financing activities 1,231,998 (721,650)

NET DECREASE IN CASH & EQUIVALENTS (1,277,102) (745,885)
CASH & EQUIVALENTS AT BEGINNING OF PERIOD 2,377,898 2,213,841

CASH & EQUIVALENTS AT END OF PERIOD $ 1,100,796 1,467,956

SUPPLEMENTAL CASH FLOW INFORMATION:
Cash paid during the period for:
Interest $ 3,760 491
Income/Franchise taxes 879,176 448,223

<FN>
See notes to consolidated financial statements.


5
</TABLE>
AIR TRANSPORTATION HOLDING COMPANY, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(UNAUDITED)

A. Financial Statements

The Consolidated Balance Sheet as of December 31, 1997, the Consolidated
Statements of Earnings for the three and nine-month periods ended December 31,
1997 and 1996 and the Consolidated Statements of Cash Flows for the nine-month
periods ended December 31, 1997 and 1996 have been prepared by Air
Transportation Holding Company, Inc. (the Company) without audit. In the
opinion of management, all adjustments (consisting only of normal recurring
adjustments) necessary to present fairly the financial position, results of
operations and cash flows as of December 31, 1997, and for prior periods
presented, have been made.

It is suggested that these financial statements be read in conjunction
with the financial statements and notes thereto included in the Company's
Annual Report on Form 10-K for the year ended March 31, 1997. The results of
operations for the period ended December 31 are not necessarily indicative of
the operating results for the full year.

B. Acquisition

On August 29, 1997, the Company acquired the Simon Deicer Division of
Terex, Inc. for $715,000 cash. The acquisition, renamed Global Ground
Support, LLC (Global), manufactures, sells and services aircraft deice
equipment on a worldwide basis. The acquisition was accounted for using the
purchase method; accordingly, the assets and liabilities (which included
$1,522,000 inventory, $287,000 fixed assets and $3,000 accounts receivable,
net of $1,048,000 in customer deposits and $49,000 warranty obligation) of the
acquired entity have been recorded at their estimated fair value at the date
of acquisition. Global's results of operations have been included in the
Consolidated Statement of Income since the date of acquisition.

The following table presents unaudited pro forma results of operations as
if the acquisition had occurred on April 1, 1996. These pro forma results
have been prepared for comparative purposes only and do not purport to be
indicative of what would have occurred had the acquisition been made at the
beginning of fiscal 1997 or of results which may occur in the future.
Furthermore, no effect has been given in the pro forma information for
operating benefits that are expected to be realized through the combination of
the entities because precise estimates of such benefits cannot be quantified.

Nine Months Ended
December 31,
(Unaudited) 1997 1996

Operating revenues $37,109,000 31,745,000
Net earnings 1,418,000 353,000
Net basic earnings per share .53 .13





6
C.  Income Taxes

The tax effect of temporary differences gave rise to the Company's
deferred tax asset in the accompanying December 31, 1997 and March 31, 1997
consolidated balance sheets.

The Company has recorded a valuation allowance in order to reduce its
deferred tax asset to an amount which is more likely than not to be realized.
Changes in the valuation allowance, related to future utilization of net
operating losses, reduced the provision for income taxes by $44,000 and
$72,000, respectively, during the nine-months ended December 31, 1997 and
1996.

The income tax provisions for the three and nine-months ended December
31, 1997 and 1996 differ from the federal statutory rate primarily as a result
of state income taxes and reductions in the valuation allowance.

The Company completed the utilization of all federal net operating loss
carryforwards available for tax return purposes during the quarter ended
December 31, 1996. These carryforwards, to the extent realized, resulted in a
reduction of goodwill, until goodwill was reduced to zero in the quarter ended
June 30, 1996.

D. Net Earnings Per Share

Earnings per share has been calculated based on Statement of Accounting
Standards ("SFAS") No. 128 "Earnings Per Share" which became effective for the
quarter ended December 31, 1997. As required by SFAS No. 128, per share data
for all periods presented has been retroactively restated to conform to the
new standard.

Basic earnings per share has been compiled by dividing net earnings by
weighted average number of common shares outstanding during each period.
Shares issuable under employee stock options are considered common share
equivalents and were included in the weighted average common shares for
purposes of the diluted per share calculation.

E. Reclassifications

Certain reclassifications have been made in the 1996 financial statements
to conform with the 1997 presentation.













7
Item 2.  Management's Discussion and Analysis of Financial
Condition and Results of Operations.


Overview

The Company's most significant component of revenue is generated through
its air cargo subsidiaries, Mountain Air Cargo, Inc. (MAC) and CSA Air, Inc.
(CSA), which are short-haul express air freight carriers flying nightly
contracts for a major express delivery company out of 81 cities, principally
located in 30 states in the eastern half of the United States and in Puerto
Rico, Canada and the Virgin Islands. Under the terms of its dry-lease service
contracts (which currently cover approximately 98% of the revenue aircraft
operated), the Company passes through to its customer certain cost components
of its operations without markup. The cost of fuel, landing fees, outside
maintenance, aircraft certification and conversion, parts and certain other
direct operating costs are included in operating expenses and billed to the
customer as cargo and maintenance revenue.

In 1993, the Company organized Mountain Aircraft Services, LLC (MAS) to
engage in the sale of commercial aircraft parts and provide aircraft engine
overhaul management and component repair services. In August 1997 the Company
acquired certain assets and order backlog of Simon Deicer Company, a division
of Terex Aviation Ground Equipment, Inc. located in Olathe, Kansas. The
acquisition, renamed Global Ground Support, LLC (Global), manufactures,
services and supports aircraft deicers on a worldwide basis. Global is
operated as a subsidiary of MAS.

Results of Operations

Consolidated revenue increased $10,125,000 (40.1%) to $35,374,000 and
$7,551,000 (84.9%) to $16,463,000, respectively, for the nine and three-month
periods ended December 31, 1997 compared to their equivalent 1996 periods. The
nine and three-month current period net increase in revenue primarily resulted
from a $7,921,000 and $6,368,000 respective increase in revenue associated
with the September 2, 1997 acquisition of Global, and increases in maintenance
service, engine overhaul and parts revenue.

Operating expenses increased $8,712,000 (36.0%) to $32,921,000 for the
nine-month period ended December 31, 1997 and $6,582,000 (77.4%) to
$15,089,000 for the three-month period ended December 31, 1997 compared to
their equivalent 1996 periods. The change in operating expenses for the nine-
month period consisted of the following: cost of flight operations increased
$509,000 (5.4%), primarily as a result of additional costs associated with
flight crews and airport fees; maintenance expense increased $971,000 (8.7%),
primarily due to cost of parts required for heavy maintenance checks due on
aircraft and increased maintenance staffing; ground equipment increased
$6,040,000 (100.0%), as a result of the August 1997 Global acquisition;
depreciation and amortization increased $67,000 (21.1%) as a result of
additional depreciable assets purchased in the acquisition of Global, offset
by depreciation related to the sale of aircraft in fiscal 1997; general and
administrative expense increased $1,155,000 (36.4%) as a result of $562,000 in
G&A costs associated with the Company's operation of Global and increased
insurance, employee benefits, staffing, salary and wage rates.

8
Results of Operations (cont'd)

Facility start-up expenses decreased $30,000 (13.9%) and, reflect for fiscal
1997, cost associated with the Company's start-up and relocation of
maintenance operations to Kinston, N.C. compared to proposed merger and repair
shop component start-up cost for fiscal 1998. The change in operating
expenses for the three-month periods, except for the September 1997
acquisition of Global, primarily followed the nine month changes.

As a percentage of operating revenue, operating income increased to 6.9%
for the nine-month period ended December 31, 1997 from 4.1% for the equivalent
period in 1996, and 8.3% for the three-month period ended December 31, 1997
from 4.5% for the equivalent period in 1996, primarily as a result of the
addition of Global in September 1997.The $574,000 increase in non-operating
expense was principally due to a fiscal 1998 $418,000 provision to fulfill
contractual benefits related to the death of the Company's Chairman and CEO
and a $182,000 gain on sale of aircraft which took place in fiscal 1997.

Pretax earnings increased $839,000 and $966,000 for the nine and three-
month periods ended December 31, 1997 compared to their December 31, 1996
periods. The changes were respectively due to the second and third quarter
current period profitable results of Global, which added $1,244,000 to the
Company's pretax earnings for the nine-month period, partially offset by the
above $418,000 obligation recorded in the first quarter of fiscal 1998.

The provision for income taxes increased $272,000 and $378,000 for the
nine and three-month periods ended December 31, 1997 compared to their
respective 1996 periods due to changes in taxable income and effective tax
rates.

Seasonality

Global's business has historically been highly seasonal. In general, the
bulk of Global's revenues have been recognized during the second and third
fiscal quarters, and comparatively little revenue has been recognized during
the first and fourth fiscal quarters. The Company plans to reduce Global's
seasonal fluctuation in revenues by broadening its product line to increase
revenues in the first and fourth fiscal quarters. The remainder of the
Company's business is not materially seasonal.



Liquidity and Capital Resources

As of December 31, 1997 the Company's working capital amounted to
$7,602,000, an increase of $1,014,000 compared to March 31, 1997. The net
increase primarily resulted from profitable operations offset by cash required
for the Global acquisition.

The Company's secured bank financing line provides credit in the
aggregate of up to $4,000,000 through August 1998. Loans under the line of
credit bear interest at the lender's prime rate less 25 basis points.

Substantially all of the Company's accounts receivable and inventory,
have been pledged as collateral under this financing arrangement. As of

9
Liquidity and Capital Resources (cont'd)

December 31, 1997 the Company was in a net borrowing position against its
credit line of $1,546,000. Management believes that funds anticipated from
operations and existing credit facilities will provide adequate cash flow to
meet the Company's financial needs for the foreseeable future.

The respective nine-month periods ended December 31, 1997 and 1996
resulted in the following changes in cash flow: operating activities used
$1,009,000 and provided $1,021,000, investing activities used $1,500,000 and
$1,046,000 and financing activities provided and used, respectively,
$1,232,000 and $722,000. Net cash decreased $1,277,000 and $746,000 for the
respective nine-month periods ended December 31, 1997 and 1996.

Cash used in operating activities was $2,030,000 more for the nine-months
ended December 31, 1997 compared to the similar 1996 period, principally due
to the change in net assets resulting from the operations of Global, partially
offset by the deferred retirement obligations booked in 1997. Cash used in
investing activities for the nine-months ended December 31, 1997 was
approximately $455,000 more than the comparable period in 1996, principally
due to expenditures related to the acquisition of Global, offset by net
decreases in purchase of short-term investments. Cash provided by financing
activities was $1,954,000 more in the 1997 nine-month period due to a note
payable to bank and a reduction in the repurchase of common stock.

During the nine months ended December 31, 1997 the Company repurchased
15,780 shares of its common stock at a total cost of $67,000. Pursuant to its
previously announced stock repurchase program, $204,000 remains available for
repurchase of common stock.

Cost associated with the Company's start-up of an FAA approved 145
component repair facility which opened at Kinston, N. C. in May 1997,
professional fees related to terminated first quarter merger discussions and
start-up cost associated with Global amounted to $189,000 for the nine-month
period ended December 31, 1997. There are currently no commitments for
significant capital expenditures. The Company paid a $.10 per share cash
dividend in June 1997. The Company's Board of Directors on August 7, 1997
adopted the policy to pay an annual cash dividend in the first quarter of each
fiscal year, in an amount to be determined by the board.

Year 2000 Issue

The Company has initiated a comprehensive review of its computer systems
to identify the systems that could be affected by the "year 2000 issue", which
is the result of computer programs being written using two digits rather than
four to define the applicable year. Like most owners of computer software,
the Company will be required to modify significant portions of its software so
that it will function properly in the Year 2000. The Company presently
believes that, with modifications to existing software and conversions to new
software, the Year 2000 problem will not pose significant operational problems
for the Company's computer systems. Management has not yet completely
assessed the year 2000 compliance expense and related potential effect on the
Company's earnings.


10
Impact of Inflation

The Company believes the impact of inflation and changing prices on its
revenues and earnings is not material since the major cost components of its
operations, consisting principally of fuel, aircraft, crew and certain
maintenance costs are passed through to its customer under current contract
terms.

















































11
PART II -- OTHER INFORMATION

Item 6. Exhibits and Reports on Form 8-K

(a) Exhibits

No. Description

3.1 Certificate of Incorporation, as amended, incorporated by reference to
Exhibit 3.1 of the Company's Annual Report on Form 10-K for the fiscal
year ended March 31, 1994

3.2 By-laws of the Company, incorporated by reference to Exhibit 3.2 of the
Company's Annual Report on Form 10-K for the fiscal year ended March 31,
1996.

4.1 Specimen Common Stock Certificate, incorporated by reference to
Exhibit 4.1 of the Company's Annual Report on Form 10-K for the fiscal
year ended March 31, 1994

10.1 Aircraft Dry Lease and Service Agreement dated February 2,
between Mountain Air Cargo, Inc. and Federal Express Corporation,
incorporated by reference to Exhibit 10.13 to Amendment No. 1 on Form 10-Q/A
to the Company's Quarterly Report on Form 10-Q for the quarterly period
ended December 31, 1993

10.2 Loan Agreement among NationsBank of North Carolina, N.A., the
Company and its subsidiaries, dated January 17, 1995, incorporated by
reference to Exhibit 10.7 to the Company's Quarterly Report on Form 10-Q
for the period ended December 31,1994

10.3 Aircraft Wet Lease Agreement dated April 1, 1994 between Mountain Air
Cargo, Inc. and Federal Express Corporation, incorporated by reference to
Exhibit 10.4 of Amendment No. 1 on Form 10-Q/Q to the Company's Quarterly
Report on Form 10-Q for the period ended September 30, 1994

10.4 Adoption Agreement regarding the Company's Master 401(k) Plan and Trust,
incorporated by reference to Exhibit 10.7 to the Company's Annual Report
on Form 10-K for the fiscal year ended March 31, 1993*

10.5 Form of options to purchase the following amounts of Common
Stock issued by the Company to the following executive officers
during the following fiscal years ended March 31:*

Number of Shares
Executive Officer 1993 1992 1991

J. Hugh Bingham 150,000 150,000 200,000
John J. Gioffre 100,000 100,000 125,000
William H. Simpson 200,000 200,000 300,000

incorporated by reference to Exhibit 10.8 of the Company's Annual Report
on Form 10-K for the fiscal year ended March 31, 1993.



12
10.6 Premises and Facilities Lease dated November 16, 1995 between Global
TransPark Foundation, Inc. and Mountain Air Cargo, Inc., incorporated by
reference to Exhibit 10.5 to Amendment No. 1 on form 10-Q/A to the
Company's Quarterly Report on Form 10-Q for the period ended December 31,
1995.

10.7 Employment Agreement dated January 1, 1996 between the Company,
Mountain Air Cargo Inc. and Mountain Aircraft Services, LLC and
William H. Simpson, incorporated by reference to Exhibit 10.8 to the
Company's Annual Report Form 10-K for the fiscal year ended March 31,
1996.*

10.8 Employment Agreement dated January 1, 1996 between the Company,
Mountain Air Cargo Inc. and Mountain Aircraft Services, LLC and John J.
Gioffre, incorporated by reference to Exhibit 10.9 to the Company's Annual
Report Form 10-K for the fiscal year ended March 31, 1996.*

10.9 Employment Agreement dated January 1, 1996 between the Company,
Mountain Air Cargo Inc. and Mountain Aircraft Services, LLC and J. Hugh
Bingham, incorporated by reference to Exhibit 10.10 to the Company's Annual
Report Form 10-K for the fiscal year ended March 31, 1996.*

10.10 Employment Agreement dated September 30, 1997 between Mountain Aircraft
Services, LLC and J. Leonard Martin.

11.1 Computation of Primary and Fully Diluted Earnings per Common Share

21.1 List of subsidiaries of the Company, incorporated by reference to
Exhibit 21.1 to the Company's Quarterly Report on Form 10-Q for the
period ended September 30, 1997.

27.1 Financial Data Schedule (For SEC use only)



* Management compensatory plan or arrangement required to be filed as an
exhibit to this report.

b. Reports on form 8-K

No Current Reports on Form 8-K were filed in the third quarter of fiscal
1997.














13
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.


AIR TRANSPORTATION HOLDING COMPANY, INC.
(Registrant)


Date: February 10, 1998 /s/ Walter Clark
Walter Clark, Chief Executive Officer

Date: February 10, 1998 /s/ John Gioffre
John J. Gioffre, Chief Financial Officer






























14
AIR TRANSPORTATION HOLDING COMPANY, INC.

EXHIBIT INDEX

Exhibit
PAGE
10.10 Employment agreement dated September 30, 1997 between
Mountain Aircraft Services, LLC
And J. Leonard Martin.............................16-26

11.1 Computation of Primary and Fully Diluted
Earnings Per Common Share........................... 27











































15