Robert Half
RHI
#4322
Rank
A$3.60 B
Marketcap
A$35.61
Share price
-2.87%
Change (1 day)
-57.33%
Change (1 year)

Robert Half - 10-Q quarterly report FY


Text size:
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SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

------------------------

FORM 10-Q

(MARK ONE)
/X/ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934

FOR THE QUARTERLY PERIOD ENDED SEPTEMBER 30, 1997

OR

/ / TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934

FOR THE TRANSITION PERIOD FROM TO
.

------------------------

COMMISSION FILE NUMBER 1-10427

ROBERT HALF INTERNATIONAL INC.
(Exact name of registrant as specified in its charter)

DELAWARE 94-1648752
(State or other jurisdiction (I.R.S. Employer
of incorporation or organization) Identification No.)

2884 SAND HILL ROAD
SUITE 200
MENLO PARK, CALIFORNIA
(Address of principal executive 94025
offices) (zip-code)

Registrant's telephone number, including area code: (650) 234-6000

------------------------

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) had been subject to such
filing requirements for the past 90 days. Yes _X_ No ____

Indicate the number of shares outstanding of each of the issuer's classes of
common stock as of September 30, 1997:

90,957,694 shares of $.001 par value Common Stock

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- --------------------------------------------------------------------------------
PART I -- FINANCIAL INFORMATION

ITEM 1. FINANCIAL STATEMENTS

ROBERT HALF INTERNATIONAL INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF FINANCIAL POSITION
(IN THOUSANDS, EXCEPT SHARE AMOUNTS)

<TABLE>
<CAPTION>
SEPTEMBER 30, DECEMBER 31,
1997 1996
------------- ------------
<S> <C> <C>
(UNAUDITED)
ASSETS:
Cash and cash equivalents........................................................... $ 130,795 $ 80,181
Accounts receivable, less allowances of $6,425 and $4,016........................... 173,030 125,383
Other current assets................................................................ 17,658 12,184
------------- ------------
Total current assets............................................................ 321,483 217,748
Intangible assets, less accumulated amortization of $44,364 and $39,461............. 173,420 174,663
Other assets........................................................................ 42,246 23,601
------------- ------------
Total assets.................................................................... $ 537,149 $ 416,012
------------- ------------
------------- ------------

LIABILITIES AND STOCKHOLDERS' EQUITY:
Accounts payable and accrued expenses............................................... $ 21,262 $ 15,049
Accrued payroll costs............................................................... 90,665 66,087
Income taxes payable................................................................ 7,842 3,883
Current portion of notes payable and other indebtedness............................. 3,594 1,542
------------- ------------
Total current liabilities....................................................... 123,363 86,561
Notes payable and other indebtedness, less current portion.......................... 4,829 5,069
Deferred income taxes............................................................... 15,994 15,937
------------- ------------
Total liabilities............................................................... 144,186 107,567

Stockholders' Equity:
Common stock, $.001 par value authorized 160,000,000 shares; issued and outstanding
90,969,384 and 89,622,256 shares.................................................. 91 90
Capital surplus..................................................................... 178,757 140,443
Deferred compensation............................................................... (35,332) (26,802)
Accumulated translation adjustments................................................. (1,079) 23
Retained earnings................................................................... 250,526 194,691
------------- ------------
Total stockholders' equity...................................................... 392,963 308,445
------------- ------------
Total liabilities and stockholders' equity...................................... $ 537,149 $ 416,012
------------- ------------
------------- ------------
</TABLE>

All shares and amounts have been restated to retroactively reflect the
three-for-two stock split effected in the form of a stock dividend in September
1997.
The accompanying Notes to Consolidated Financial Statements are
an integral part of these financial statements.

1
ROBERT HALF INTERNATIONAL INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME

(IN THOUSANDS, EXCEPT PER SHARE AMOUNTS)

<TABLE>
<CAPTION>
THREE MONTHS ENDED NINE MONTHS ENDED
SEPTEMBER 30, SEPTEMBER 30,
---------------------- ----------------------
1997 1996 1997 1996
---------- ---------- ---------- ----------
(UNAUDITED) (UNAUDITED)

<S> <C> <C> <C> <C>
Net service revenues............................................. $ 339,754 $ 232,950 $ 934,399 $ 639,838
Direct costs of services, consisting of payroll, payroll taxes
and insurance costs for temporary employees.................... 204,554 141,162 563,165 387,487
---------- ---------- ---------- ----------
Gross margin..................................................... 135,200 91,788 371,234 252,351
Selling, general and administrative expenses..................... 93,411 63,983 257,281 176,133
Amortization of intangible assets................................ 1,233 1,356 3,693 4,025
Interest income.................................................. (1,154) (609) (2,840) (1,577)
---------- ---------- ---------- ----------
Income before income taxes....................................... 41,710 27,058 113,100 73,770
Provision for income taxes....................................... 17,079 11,112 46,339 30,361
---------- ---------- ---------- ----------
Net income....................................................... $ 24,631 $ 15,946 $ 66,761 $ 43,409
---------- ---------- ---------- ----------
---------- ---------- ---------- ----------
Net income per share............................................. $ .26 $ .17 $ .71 $ .47
---------- ---------- ---------- ----------
---------- ---------- ---------- ----------
</TABLE>

All per share amounts have been restated to retroactively reflect
the three-for-two stock split effected in the form of a stock dividend in
September 1997.
The accompanying Notes to Consolidated Financial Statements are
an integral part of these financial statements.

2
ROBERT HALF INTERNATIONAL INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY

(IN THOUSANDS)

<TABLE>
<CAPTION>
NINE MONTHS ENDED
SEPTEMBER 30,
----------------------
1997 1996
---------- ----------
(UNAUDITED)
<S> <C> <C>
COMMON STOCK--SHARES:
Balance at beginning of period.......................................................... 89,622 86,677
Issuance of restricted stock............................................................ 483 955
Repurchases of common stock............................................................. (413) (263)
Exercises of stock options.............................................................. 1,263 1,492
Issuance of common stock for acquisitions............................................... 14 544
---------- ----------
Balance at end of period.............................................................. 90,969 89,405
---------- ----------
---------- ----------
COMMON STOCK--PAR VALUE:
Balance at beginning of period.......................................................... $ 90 $ 87
Issuance of restricted stock............................................................ -- 1
Exercises of stock options.............................................................. 1 1
---------- ----------
Balance at end of period.............................................................. $ 91 $ 89
---------- ----------
---------- ----------
CAPITAL SURPLUS:
Balance at beginning of period.......................................................... $ 140,443 $ 99,739
Issuance of restricted stock--excess over par value..................................... 17,251 24,335
Exercises of stock options--excess over par value....................................... 4,885 3,577
Issuance of common stock for acquisition................................................ 400 --
Tax benefits from exercises of stock options and restricted stock vesting............... 15,778 10,692
---------- ----------
Balance at end of period.............................................................. $ 178,757 $ 138,343
---------- ----------
---------- ----------
DEFERRED COMPENSATION:
Balance at beginning of period.......................................................... $ (26,802) $ (9,642)
Issuance of restricted stock............................................................ (17,251) (24,336)
Amortization of deferred compensation................................................... 8,721 4,706
---------- ----------
Balance at end of period.............................................................. $ (35,332) $ (29,272)
---------- ----------
---------- ----------
ACCUMULATED TRANSLATION ADJUSTMENTS:
Balance at beginning of period.......................................................... $ 23 $ 51
Translation adjustments................................................................. (1,102) (264)
---------- ----------
Balance at end of period.............................................................. $ (1,079) $ (213)
---------- ----------
---------- ----------
RETAINED EARNINGS:
Balance at beginning of period.......................................................... $ 194,691 $ 137,695
Issuance of common stock for acquisition................................................ -- 1,285
Repurchases of common stock--excess over par value...................................... (10,926) (4,522)
Net income.............................................................................. 66,761 43,409
---------- ----------
Balance at end of period.............................................................. $ 250,526 $ 177,867
---------- ----------
---------- ----------
</TABLE>

All shares and amounts have been restated to retroactively reflect the
three-for-two stock split effected in the form of a stock dividend in September
1997.
The accompanying Notes to Consolidated Financial Statements are
an integral part of these financial statements.

3
ROBERT HALF INTERNATIONAL INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CASH FLOWS

(IN THOUSANDS)

<TABLE>
<CAPTION>
NINE MONTHS ENDED
SEPTEMBER 30,
----------------------
1997 1996
---------- ----------
(UNAUDITED)
<S> <C> <C>
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income................................................................................ $ 66,761 $ 43,409
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of intangible assets....................................................... 3,693 4,025
Depreciation expense.................................................................... 8,995 4,396
Deferred income taxes................................................................... (4,946) (1,128)
Changes in assets and liabilities, net of effects of acquisitions:
Increase in accounts receivable....................................................... (47,158) (25,530)
Increase in accounts payable, accrued expenses and accrued payroll costs.............. 29,900 20,934
Increase (decrease) in income taxes payable........................................... 3,959 (6,136)
Change in other assets, net of change in other liabilities............................ 9,014 (2,081)
---------- ----------
Total adjustments..................................................................... 3,457 (5,520)
---------- ----------
Net cash and cash equivalents provided by operating activities............................ 70,218 37,889
CASH FLOWS FROM INVESTING ACTIVITIES:
Acquisitions, net of cash acquired...................................................... (3,338) (1,038)
Capital expenditures.................................................................... (24,550) (13,302)
---------- ----------
Net cash and cash equivalents used in investing activities................................ (27,888) (14,340)
CASH FLOWS FROM FINANCING ACTIVITIES:
Repurchases of common stock or common stock equivalents................................. (10,926) (4,522)
Principal payments on notes payable and other indebtedness.............................. (1,454) (3,632)
Proceeds and tax benefits from exercise of stock options and restricted stock vesting... 20,664 14,270
---------- ----------
Net cash and cash equivalents provided by financing activities............................ 8,284 6,116
---------- ----------
Net increase in cash and cash equivalents................................................. 50,614 29,665
Cash and cash equivalents at beginning of period.......................................... 80,181 41,346
---------- ----------
Cash and cash equivalents at end of period................................................ $ 130,795 $ 71,011
---------- ----------
---------- ----------
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Cash paid during the period for:
Interest................................................................................ $ 348 $ 434
Income taxes............................................................................ $ 29,805 $ 25,923
Acquisitions:
Fair value of assets acquired--
Intangible assets..................................................................... $ 4,079 $ 4,155
Other................................................................................. 499 1,713
Liabilities incurred--
Notes payable and contracts........................................................... (536) (2,625)
Other................................................................................. (304) (920)
Common stock issued..................................................................... (400) (1,285)
---------- ----------
Cash paid, net of cash acquired......................................................... $ 3,338 $ 1,038
---------- ----------
---------- ----------
</TABLE>

The accompanying Notes to Consolidated Financial Statements are
an integral part of these financial statements.

4
ROBERT HALF INTERNATIONAL INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

SEPTEMBER 30, 1997

(UNAUDITED)

NOTE A--SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

NATURE OF OPERATIONS. Robert Half International Inc. (the "Company")
provides specialized staffing services through such divisions as
ACCOUNTEMPS-REGISTERED TRADEMARK-, ROBERT HALF-REGISTERED TRADEMARK-,
OFFICETEAM-REGISTERED TRADEMARK-, RHI CONSULTING-REGISTERED TRADEMARK- and RHI
MANAGEMENT RESOURCES-REGISTERED TRADEMARK-. The Company, through its
Accountemps, Robert Half, and RHI Management Resources divisions, is the world's
largest specialized provider of temporary and permanent personnel in the fields
of accounting and finance. OfficeTeam specializes in skilled temporary
administrative personnel. RHI Consulting provides contract information
technology professionals. RHI Management Resources places senior-level
accounting and financial professionals on longer term, more complex projects
lasting for several months to a year or longer. Revenues are predominantly from
temporary services. The Company operates in the United States, Canada and
Europe. The Company is a Delaware corporation.

PRINCIPLES OF CONSOLIDATION. The Consolidated Financial Statements include
the accounts of the Company and its subsidiaries, all of which are wholly-owned.
All significant intercompany balances have been eliminated. Certain
reclassifications have been made to the 1996 financial statements to conform to
the 1997 presentation.

INTERIM FINANCIAL INFORMATION. The Consolidated Financial Statements have
been prepared pursuant to the rules and regulations of the Securities and
Exchange Commission ("SEC") and, in management's opinion, include all
adjustments necessary for a fair statement of results for such interim periods.
Certain information and note disclosures normally included in annual financial
statements prepared in accordance with generally accepted accounting principles
have been condensed or omitted pursuant to SEC rules or regulations; however,
the Company believes that the disclosures made are adequate to make the
information presented not misleading.

The interim results for the three and nine months ended September 30, 1997,
and 1996 are not necessarily indicative of results for the full year. It is
suggested that these financial statements be read in conjunction with the
financial statements and the notes thereto included in the Company's Annual
Report on Form 10-K for the year ended December 31, 1996.

REVENUE RECOGNITION. Temporary service revenues are recognized when the
services are rendered by the Company's temporary employees. Permanent placement
revenues are recognized when employment candidates accept offers of permanent
employment. Reserves are established to estimate losses due to placed candidates
not remaining in employment for the Company's guarantee period, typically 90
days.

CASH AND CASH EQUIVALENTS. For purposes of the Consolidated Statements of
Cash Flows, the Company classifies all highly-liquid investments with a maturity
of three months or less as cash equivalents.

INTANGIBLE ASSETS. Intangible assets represent the cost of acquired
companies in excess of the fair market value of their net tangible assets at the
acquisition date, and are being amortized on a straight-line basis over a period
of 40 years. The carrying value of intangible assets is periodically reviewed by
the Company and impairments are recognized when the expected future operating
cash flows derived from such intangible assets are less than their carrying
value. Based upon its most recent analysis, the Company believes that no
material impairment of intangible assets existed at September 30, 1997.

INCOME TAXES. Deferred taxes are computed based on the difference between
the financial statement and income tax bases of assets and liabilities using the
enacted marginal tax rate.

5
ROBERT HALF INTERNATIONAL INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)

SEPTEMBER 30, 1997

(UNAUDITED)

NOTE A--SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED)
FOREIGN CURRENCY TRANSLATION. Foreign income statement items are translated
at the monthly average exchange rates prevailing during the period. Foreign
balance sheets are translated at the current exchange rates at the end of the
period, and the related translation adjustments are recorded as part of
Stockholders' Equity. Gains and losses resulting from foreign currency
transactions are included in the Consolidated Statements of Income.

USE OF ESTIMATES. The preparation of financial statements in conformity
with generally accepted accounting principles requires management to make
estimates and assumptions that affect the reported amounts of assets and
liabilities and disclosure of contingent assets and liabilities at the date of
the financial statements and the reported amounts of revenues and expenses
during the reporting period.

NOTE B--NEW ACCOUNTING PRONOUNCEMENTS

In March 1997, the Financial Accounting Standards Board issued Statement of
Financial Accounting No. 128 (SFAS No. 128), Earnings Per Share. SFAS No. 128
requires the disclosure of basic net income per share and modifies existing
guidance for computing fully diluted net income per share. Under the new
standard, basic net income per share is computed as net income divided by
weighted average shares, excluding the dilutive effects of stock options and
other potentially dilutive securities. The effective date of SFAS No. 128 is
December 15, 1997 and early adoption is not permitted. The Company intends to
adopt SFAS No. 128 during the quarter and year ended December 31, 1997. The
Company does not expect this pronouncement to have a material impact on net
income per share.

NOTE C--STOCK SPLIT

In September 1997, the Company effected a three-for-two stock split in the
form of a stock dividend. All share and per share amounts in the financial
statements have been restated to retroactively reflect the three-for-two stock
split.

NOTE D--SUBSEQUENT EVENT

In October 1997, the Company authorized the repurchase, from time to time,
of up to four million shares of the Company's common stock on the open market or
in privately negotiated transactions, depending on market conditions.

6
ITEM 2. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
OF OPERATIONS

RESULTS OF OPERATIONS FOR EACH OF THE THREE MONTHS AND NINE MONTHS ENDED
SEPTEMBER 30, 1997 AND 1996

Temporary services revenues were $313 million and $215 million for the three
months ended September 30, 1997 and 1996, respectively, increasing by 46% during
the three months ended September 30, 1997 compared to the same period in 1996.
Temporary services revenues were $861 million and $589 million for the nine
months ended September 30, 1997 and 1996, respectively, increasing by 46% during
the nine months ended September 30, 1997 compared to the same period in 1996.
Permanent placement revenues were $27 million and $18 million for the three
months ended September 30, 1997 and 1996, respectively, increasing by 50% during
the three months ended September 30, 1997 compared to the same period in 1996.
Permanent placement revenues were $73 million and $51 million for the nine
months ended September 30, 1997 and 1996, respectively, increasing by 43% during
the nine months ended September 30, 1997 compared to the same period in 1996.
Overall revenue increases reflect continued improvement in demand for the
Company's services, which the Company believes is a result of increased
acceptance in the use of professional staffing services. Revenues from companies
acquired during the nine months ended September 30, 1997 were not material.

The Company currently has more than 200 offices in 39 states and five
foreign countries. Domestic operations represented 90% of revenues for both the
three and nine months ended September 30, 1997 and 91% of revenues for both the
three and nine months ended September 30, 1996. Foreign operations represented
10% of revenues for both the three and nine months ended September 30, 1997 and
9% of revenues for both the three and nine months ended September 30, 1996.

Gross margin dollars from the Company's temporary services represent
revenues less direct costs of services, which consist of payroll, payroll taxes
and insurance costs for temporary employees. Gross margin dollars from permanent
placement services are equal to revenues, as there are no direct costs
associated with such revenues. Gross margin dollars for the Company's temporary
services were $108 million and $298 million for the three and nine months ended
September 30, 1997, respectively, compared to $74 million and $201 million for
the comparable periods in 1996, increasing by 46% and 48% for the three and nine
months ended September 30, 1997, respectively. Gross margin amounts equaled 35%
of revenues for temporary services for both the three and nine months ended
September 30, 1997, compared to 34% of temporary service revenues for both the
three and nine months ended September 30, 1996, which the Company believes
reflects its ability to adjust billing rates and wage rates to underlying market
conditions. Gross margin dollars for the Company's permanent placement division
were $27 million and $73 million for the three and nine months ended September
30, 1997, respectively, compared to $18 million and $51 million for the
comparable periods in 1996, increasing by 50% and 43% for the three and nine
months ended September 30, 1997, respectively.

Selling, general and administrative expenses were $93 million and $257
million for the three and nine months ended September 30, 1997, respectively,
compared to $64 million and $176 million during the three and nine months ended
September 30, 1996, respectively. Selling, general and administrative expenses
as a percentage of revenues were 27% and 28% for the three and nine months ended
September 30, 1997, respectively, compared to 27% and 28% for the three and nine
months ended September 30, 1996, respectively. Selling, general and
administrative expenses consist primarily of staff compensation, advertising,
and occupancy costs, most of which generally follow changes in revenues.

7
The Company allocates the excess of cost over the fair market value of the
net tangible assets first to identifiable intangible assets, if any, and then to
goodwill. Although management believes that goodwill has an unlimited life, the
Company amortizes these costs over 40 years. Management believes that its
strategy of making acquisitions of established companies in established markets
and maintaining its presence in these markets preserves the goodwill for an
indeterminate period. The carrying value of intangible assets is periodically
reviewed by the Company and impairments are recognized when the expected future
operating cash flows derived from such intangible assets is less than their
carrying value. Based upon its most recent analysis, the Company believes that
no material impairment of intangible assets existed at September 30, 1997.
Intangible assets represented 32% of total assets and 44% of total stockholders'
equity at September 30, 1997.

Interest income for the three months ended September 30, 1997 and 1996 was
$1,443,000 and $783,000, respectively, while interest expense for the three
months ended September 30, 1997 and 1996 was $289,000 and $174,000,
respectively. Interest income for the nine months ended September 30, 1997 and
1996 was $3,540,000 and $2,006,000, respectively, while interest expense for the
nine months ended September 30, 1997 and 1996 was $700,000 and $429,000,
respectively. These changes primarily reflect an increase in cash and cash
equivalents.

The provision for income taxes was 41% for all periods presented.

LIQUIDITY AND CAPITAL RESOURCES

The change in the Company's liquidity during nine months ended September 30,
1997 is the net effect of funds generated by operations and the funds used for
the staffing services acquisitions, capital expenditures and principal payments
on outstanding notes payable. For the nine months ended September 30, 1997, the
Company generated $70.2 million from operations, used $27.9 million in investing
activities and provided $8.3 million by financing activities.

The Company's working capital at September 30, 1997 included $130.8 million
in cash and cash equivalents. In addition at September 30, 1997, the Company had
available $71.4 million of its $80 million bank revolving line of credit. The
Company's working capital requirements consist primarily of the financing of
accounts receivable. While there can be no assurances in this regard, the
Company expects that internally generated cash plus the bank revolving line of
credit will be sufficient to support the working capital needs of the Company,
the Company's fixed payments, and other obligations on both a short and long
term basis. As of September 30, 1997, the Company had no material capital
commitments.

In March 1997, the Financial Accounting Standards Board issued Statement of
Financial Accounting Standard ("SFAS") No. 128, Earnings Per Share. SFAS No. 128
requires the disclosure of basic net income per share and modifies existing
guidance for computing fully diluted net income per share. Under the new
standard, basic net income per share is computed as net income divided by
weighted average shares, excluding the dilutive effects of stock options and
other potentially dilutive securities. The effective date of SFAS No. 128 is
December 15, 1997 and early adoption is not permitted. The Company intends to
adopt SFAS No. 128 during the quarter and year ended December 31, 1997 and does
not expect this pronouncement to have a material impact on net income per share.

In September 1997, the Company effected a three-for-two stock split in the
form of a stock dividend. All share and per share amounts in the financial
statements have been restated to retroactively reflect the three-for-two stock
split.

8
PART II--OTHER INFORMATION

ITEM 1. LEGAL PROCEEDINGS

None

ITEM 2. CHANGES IN SECURITIES

None

ITEM 3. DEFAULTS UPON SENIOR SECURITIES

None

ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

None

ITEM 5. OTHER INFORMATION

None

ITEM 6. EXHIBITS AND REPORTS ON FORM 8-K

(a) Exhibits.

<TABLE>
<CAPTION>
EXHIBIT NO. EXHIBIT
- ------------- -------------------------------------------------------------------------------------------
<C> <S>
10.1 1985 Stock Option Plan.
10.2 StockPlus Plan.
10.3 Outside Directors' Option Plan.
10.4 1989 Restricted Stock Plan.
11 Computation of Per Share Earnings.
27 Financial Data Schedule.
</TABLE>

(b) The registrant filed no current report on Form 8-K during the
quarter covered by this report.

9
SIGNATURES

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.

ROBERT HALF INTERNATIONAL INC.
(Registrant)

By /s/ M. KEITH WADDELL

------------------------------------

M. Keith Waddell,
SENIOR VICE PRESIDENT, CHIEF
FINANCIAL
OFFICER AND TREASURER
(PRINCIPAL FINANCIAL OFFICER
AND DULY AUTHORIZED SIGNATORY)

Date: November 10, 1997

10
INDEX TO EXHIBITS

<TABLE>
<CAPTION>
EXHIBIT NO. PAGE
- ------------- ---------
<C> <S> <C>
10.1 1985 Stock Option Plan........................................................................
10.2 StockPlus Plan................................................................................
10.3 Outside Directors' Option Plan................................................................
10.4 1989 Restricted Stock Plan....................................................................
11 Computation of Per Share Earnings.............................................................
27 Financial Data Schedule.......................................................................
</TABLE>