Dana Incorporated
DAN
#3582
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Dana Incorporated - 10-Q quarterly report FY


Text size:
1
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20509

FORM 10-Q

[X] Quarterly Report Pursuant to Section 13 or 15(d)
Of the Securities Exchange Act of 1934

Commission
For the Quarterly Period Ended June 30, 1997 File Number 1-1063
------------- ------

Dana Corporation
- -------------------------------------------------------------------------------
(Exact Name of Registrant as Specified in its Charter)

Virginia 34-4361040
- --------------------------------------- ------------------------------
(State or other jurisdiction (IRS Employer
of incorporation or organization) Identification Number)

4500 Dorr Street, Toledo, Ohio 43615
- ---------------------------------------- -------------------------------
(Address of Principal Executive Offices) (Zip Code)

(419) 535-4500
----------------------------------------------------
(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
---

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

Class Outstanding at June 30, 1997
-------------------------- ----------------------------
Common stock, $1 par value 104,379,207
2


DANA CORPORATION AND CONSOLIDATED SUBSIDIARIES
INDEX
<TABLE>
<CAPTION>

Page Number
-----------
<S> <C>
Cover 1

Index 2

Part I. Financial Information

Item 1. Financial Statements

Condensed Balance Sheet
December 31, 1996 and
June 30, 1997 3

Statement of Income
Three Months and Six Months Ended
June 30, 1996 and 1997 4

Condensed Statement of Cash Flows
Six Months Ended
June 30, 1996 and 1997 5

Notes to Condensed Financial Statements 6-7

Item 2. Management's Discussion and Analysis
of Financial Condition and Results
of Operations 8-13

Part II. Other Information

Item 1. Legal Proceedings 14

Item 6. Exhibits and Reports on Form 8-K 15


Signature 16

Exhibit Index 17
</TABLE>

2
3

PART I. FINANCIAL INFORMATION

ITEM 1. DANA CORPORATION
- ------
CONDENSED BALANCE SHEET (Unaudited)

(in Millions)

<TABLE>
<CAPTION>
Assets December 31, 1996 June 30, 1997
- ------ ----------------- -------------
<S> <C> <C>
Cash and Cash Equivalents $ 227.8 $ 179.8
Accounts Receivable, Net 1,069.1 1,363.8
Inventories
Raw Materials 209.9 259.9
Work in Process and Finished Goods 703.0 672.5
Lease Financing 1,167.3 1,223.7
Investments and Other Assets 958.1 1,287.6
Property, Plant and Equipment 3,642.0 3,859.1
Less: Accumulated Depreciation 1,817.2 1,911.8
-------- --------

Total Assets $6,160.0 $6,934.6
======== ========

Liabilities and Shareholders' Equity
- ------------------------------------

Accounts Payable and Other Liabilities $1,196.8 $1,452.8
Short-Term Debt 640.3 571.1
Long-Term Debt 1,697.7 2,097.5
Deferred Employee Benefits 1,025.6 1,059.9
Minority Interest 170.9 167.7
Shareholders' Equity 1,428.7 1,585.6
-------- --------

Total Liabilities and
Shareholders' Equity $6,160.0 $6,934.6
======== ========
</TABLE>

3
4

ITEM 1. (Continued)
- ------
DANA CORPORATION

STATEMENT OF INCOME (Unaudited)

(in Millions Except Per Share Amounts)

<TABLE>
<CAPTION>
Three Months Ended June 30 Six Months Ended June 30
--------------------------- ------------------------

1996 1997 1996 1997
---- ---- ---- ----
<S> <C> <C> <C> <C>
Net Sales $2,020.5 $2,140.8 $3,993.2 $4,256.1
Revenue from Lease Financing
and Other Income 49.0 75.5 112.5 211.4
-------- -------- -------- --------

2,069.5 2,216.3 4,105.7 4,467.5
-------- -------- -------- --------
Costs and Expenses

Cost of Sales 1,700.0 1,825.1 3,377.3 3,646.4
Selling, General and
Administrative Expenses 190.2 187.6 372.0 380.6
Interest Expense 37.0 49.7 75.5 97.9
-------- -------- -------- --------

1,927.2 2,062.4 3,824.8 4,124.9
-------- -------- -------- --------

Income Before Income Taxes 142.3 153.9 280.9 342.6
Estimated Taxes on Income (49.4) (60.7) (103.4) (157.3)
Minority Interest (7.0) (6.2) (15.0) (11.8)
Equity in Earnings of Affiliates 5.6 6.8 7.7 12.9
-------- -------- -------- --------

Net Income $ 91.5 $ 93.8 $ 170.2 $ 186.4
======== ======== ======== ========

Net Income Per Common Share $ .90 $ .90 $ 1.68 $ 1.80
======== ======== ======== ========


Dividends Declared and Paid per
Common Share $ .25 $ .25 $ .48 $ .50

Average Number of Shares Outstanding 101.6 103.8 101.6 103.8
</TABLE>


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ITEM 1. (Continued)
- ------
DANA CORPORATION

CONDENSED STATEMENT OF CASH FLOWS (Unaudited)

(in Millions)

<TABLE>
<CAPTION>
Six Months Ended June 30
------------------------

1996 1997
---- ----
<S> <C> <C>
Net Income $170.2 $186.4
Depreciation and Amortization 131.0 168.7
Working Capital Change and Other (14.1) (90.5)
------ ------
Net Cash Flows from Operating Activities 287.1 264.6
------ ------


Purchases of Property, Plant and Equipment (160.5) (169.4)
Purchases of Assets to be Leased (206.0) (236.7)
Payments Received on Leases and Loans 150.2 158.0
Acquisitions (51.5) (475.8)
Divestitures 10.9 152.0
Other 14.3 (0.1)
------ ------
Net Cash Flows-Investing Activities (242.6) (572.0)
------ ------


Net Change in Short-Term Debt (28.2) (95.9)
Proceeds from Long-Term Debt 220.4 700.3
Payments on Long-Term Debt (203.0) (300.2)
Dividends Paid (48.8) (51.9)
Other 3.2 7.1
------ ------
Net Cash Flows-Financing Activities (56.4) 259.4
------- ------

Net Change in Cash and Cash Equivalents (11.9) (48.0)
Cash and Cash Equivalents-beginning of year 66.6 227.8
------ ------
Cash and Cash Equivalents-end of period $ 54.7 $179.8
====== ======
</TABLE>

5
6



ITEM 1. (Continued)
- ------
NOTES TO CONDENSED FINANCIAL STATEMENTS

(in Millions Except Per Share Amounts)

1. In the opinion of management, all normal recurring adjustments necessary to
a fair presentation of results for the unaudited interim periods have been
included.

2. In accordance with generally accepted accounting principles, Dana's
wholly-owned financial subsidiary, Dana Credit Corporation (DCC), is
included in the consolidated financial statements. The following is a recap
of the revenue, net income, total assets, total liabilities and
shareholder's equity of this subsidiary (unaudited):

<TABLE>
<CAPTION>
DANA CREDIT CORPORATION

Three Months Ended June 30 Six Months Ended June 30
-------------------------- ------------------------
1996 1997 1996 1997
---- ---- ---- ----
<S> <C> <C> <C> <C>
Revenue $58.2 $78.8 $118.2 $142.3
Net Income 8.4 10.5 15.9 18.0

December 31, 1996 June 30, 1997
----------------- -------------

Total Assets $1,669.2 $1,749.4
Total Liabilities 1,545.3 1,615.9
-------- --------

Shareholder's Equity $ 123.9 $ 133.5
======== ========
</TABLE>


3. In February 1997, Dana acquired the assets of Clark-Hurth Components, a
worldwide manufacturer of off-highway vehicle and equipment components, and
the worldwide piston ring and cylinder liner operations and assets of SPX
Corporation. These acquisitions have been accounted for as purchases and
their results of operations have been included since the dates of
acquisition. Goodwill relating to the acquisitions is included in
Investments and Other Assets.

4. In March 1997, Dana completed the sale of its warehouse distribution
operations in the U.K., the Netherlands and Portugal to U.K.-based Partco
Group plc. for pound sterling 103 (U.S. $164) resulting in an after-tax
gain of $45 (44 cents per share).

5. The Company initiated a rationalization plan at its Perfect Circle Europe
operations resulting in a charge of $36 (35 cents per share) in the first
quarter of 1997. The plan includes the sale of its Liancourt piston
manufacturing facility, reorganization of its Dreux piston ring machining
operation, sale of its Distribution France operation, and downsizing and
relocation of its division office.


6
7

ITEM 1. (Continued)
- ------

6. In July, 1997, Dana announced, subject to regulatory approval, agreements
to purchase the global axle and brake business of Eaton Corporation for
$287 and to sell its worldwide vehicular clutch business to Eaton for $180.
The sale will result in an after-tax gain of approximately $70 (67 cents
per share) when completed.

7. Dana has announced the closing of its Berwick, Pa. facility and the sale of
its operating assets. The estimated after-tax cost of closing, $5 (five
cents per share), was charged to earnings in the second quarter.


7
8


ITEM 2.
- -------

MANAGEMENT'S DISCUSSION AND ANALYSIS OF
---------------------------------------
FINANCIAL CONDITION AND RESULTS OF OPERATIONS
---------------------------------------------

Liquidity and Capital Resources
- -------------------------------

(in Millions)

- ------------------------------------------
CASH FLOWS FROM OPERATIONS
FOR
SIX MONTHS ENDED JUNE 30
- ------------------------------------------
1995 $ 79
- ------------------------------------------
1996 287
- ------------------------------------------
1997 265
- ------------------------------------------

Net cash provided by operating activities decreased $22 for the six
months ended June 30, 1997 when compared to the same six months in 1996. This
decrease is primarily due to increased working capital requirements which more
than offset the increases in net income and depreciation and amortization
expenses.

- ---------------------------------------------------------
CAPITAL EXPENDITURES
- ---------------------------------------------------------
SIX MONTHS ENDED YEAR ENDED
JUNE 30 DECEMBER 31
- ---------------------------------------------------------
1995 $168 $410
- ---------------------------------------------------------
1996 161 357
- ---------------------------------------------------------
1997 169 380*
- ---------------------------------------------------------

*Projected

Net cash of $572 used in investing activities includes $324 relating to
the acquisitions of the assets of Clark-Hurth Components (CH) and the piston and
cylinder liner operations of SPX Corporation (SPD), offset by the divestiture of
the European warehouse distribution operations. Capital expenditures were $8
higher than in 1996 with slightly higher spending anticipated in the second six
months of the year. The Company currently anticipates an increase of
approximately $23 in capital spending for 1997. Net purchases of assets to be
leased(purchases less principal payments on leases and loans) were $79 in 1997,
an increase of $23 over 1996.

Financing activities provided net cash of $259, primarily to support
the acquisitions of CH and SPD. Total consolidated debt increased $331 over
December 31, 1996. DCC's debt increased $48 over year end 1996.

Dana utilizes short-term committed and uncommitted bank lines for the
issuance of commercial paper and bank direct borrowings. Dana (excluding DCC)
had committed and uncommitted borrowing lines of credit totaling approximately
$1.4 billion at June 30, 1997, while DCC's lines were $887. Dana's strong cash
flows from operations, together with sufficient worldwide credit facilities, are
expected to provide adequate liquidity to meet the Company's debt service
obligations, projected capital expenditures and working capital requirements for
1997.



8
9


ITEM 2. Liquidity and Capital Resources (continued)
- ---------------------------------------------------

(in Millions)

Dana's management and legal counsel have reviewed the legal proceedings
to which the Company and its subsidiaries were parties as of June 30, 1997
(including, among others, those involving product liability claims and alleged
violations of environmental laws) and concluded that neither the liabilities
that may result from these legal proceedings nor the timing of the cash flows
for these liabilities is reasonably likely to have a material adverse effect on
the Company's liquidity, financial condition or results of operations. The
Company estimates its contingent environmental and product liabilities based
upon the most probable method of remediation or outcome considering currently
enacted laws and regulations and existing technology. Measurement of liabilities
is made on an undiscounted basis and excludes the effects of inflation and other
societal and economic factors. In those cases where there is a range of equally
probable remediation methods or outcomes, the Company accrues at the lower end
of the range. At June 30, 1997, the Company accruals were $58 for product
liability costs (products) and $55, including $11 relating to acquisitions, for
environmental liability costs (environmental), compared to $65 for products and
$47 for environmental at December 31, 1996. The difference between the Company's
minimum and maximum estimates for contingent liabilities, while not considered
material, was $17 for products and $1 for environmental at June 30, 1997,
unchanged since December 31, 1996. Probable recoveries of $37 for products and
$10 for environmental from insurance or third parties have been recorded as
assets at June 30, 1997, compared to $39 for products and $10 for environmental
at December 31, 1996.




9
10


ITEM 2. (Continued)
- ------

Results of Operations (Second Quarter 1997 vs Second Quarter 1996)
- ------------------------------------------------------------------

(in Millions)

- ---------------------------------------------------
SECOND QUARTER SALES
- ---------------------------------------------------
%
1996 1997 CHANGE
- ---------------------------------------------------
U.S. $ 1,454 $1,538 6
- ---------------------------------------------------
International 566 603 7
- ---------------------------------------------------
Total $2,020 $2,141 6
- ---------------------------------------------------

Sales for the second quarter of $2,141 exceeded 1996 second quarter
sales by $121 or 6%. During 1997, sales of companies acquired, net of the
European divestiture, amounted to $109 of the increase. On a comparable basis
the sales increased 1% during the quarter. International sales increased $37 or
7% with $21 related to acquisitions, net of the European divestiture. The $84
million, 6%, increase in U.S. sales for the second quarter was primarily due to
acquisitions. U.S. sales on a comparable basis remained even with the second
quarter of 1996, even though such sales were negatively impacted by work
stoppages at two major customers.

- ---------------------------------------------------------
SECOND QUARTER SALES BY REGION
- ---------------------------------------------------------
%
REGION 1996 1997 CHANGE
- ---------------------------------------------------------
North America $1,554 $1,630 5
- ---------------------------------------------------------
Europe 269 292 9
- ---------------------------------------------------------
South America 150 168 12
- ---------------------------------------------------------
Asia Pacific 47 51 9
- ---------------------------------------------------------

The work stoppages impacted domestic light truck and sport utility
vehicle component sales for the quarter, which were down 3% from 1996. U.S.
sales of heavy truck OE components rose 5% over last year. As a result of
acquisitions, worldwide sales to manufacturers of off-highway vehicles increased
57% and passenger car OE sales grew 22%.

Dana's second-quarter international distribution business declined 18%
due to the sale of the European distribution business in the first quarter,
while U.S. distribution sales increased 3%. Excluding the effect of the
acquisitions and the European divestiture, international distribution sales
increased 15%, U.S. sales decreased 4% and worldwide sales increased 2%.

Revenue from lease financing and other income increased $27 over the
second quarter 1996. Contributing to the increase were higher interest income
and the sale of an investment in a leveraged lease by DCC.

Dana's gross margin for the second quarter was 14.7% compared to 15.9%
in 1996 and operating margin declined from 6.4% in 1996 to 6.0% in 1997. These
margins were adversely affected by the work stoppages at two of our major
customers and the $9 charge related to the Berwick, Pa. plant closing.

Selling, general and administrative expenses (SG&A) decreased $3 in
1997. The European divestiture was a significant reason for the decrease,
partially offset by the effect of the acquisitions. The ratio of SG&A expense to
sales improved from 9.4% in 1996 to 8.8% in 1997.


10
11

ITEM 2. (Continued)
- ------

Results of Operations (Second Quarter 1997 vs Second Quarter 1996)
- ------------------------------------------------------------------

(in Millions)

Interest expense was $13 higher than last year due to higher average
debt levels related to acquisitions.

Dana's second quarter 1997 effective tax rate was 39% compared to 35%
for 1996's second quarter. The 1996 rate reflects a lower effective rate for a
Brazilian subsidiary.

Equity in earnings of affiliates increased $1 in 1997, the net effect
of higher earnings of the Company's affiliates in Mexico and lower earnings of a
South American affiliate.

The Company reported record second quarter profit of $94, a 3% increase
over 1996. Despite second-quarter work stoppages at two major customers,
earnings per share totaled 90 cents, level with the second quarter of 1996.



Results of Operations (Six Months 1997 vs Six Months 1996)
- ----------------------------------------------------------


- ---------------------------------------------------
SALES FOR SIX MONTHS ENDED JUNE 30
- ---------------------------------------------------
%
1996 1997 CHANGE
- ---------------------------------------------------
U.S. $2,889 $3,066 6
- ---------------------------------------------------
International 1,104 1,190 8
- ---------------------------------------------------
Total $3,993 $4,256 7
- ---------------------------------------------------

Dana's worldwide sales of $4,256 for the first six months of 1997 were
7% higher than the same period last year. Excluding the effect of acquisitions
and the European divestiture, sales increased $67 or 2% despite second-quarter
work stoppages at two major customers. Global sales of light truck components
(for sport utility vehicles, pick-up trucks and vans) to original equipment
manufacturers were 8% above Dana's strong performance during the same period in
1996.

Dana's international operations increased sales 8% over 1996, with
acquisitions adding $64 or 6% net of the European divestiture. Excluding these
items, sales increased $23 or 2% in 1997. U.S. sales increased 6% over 1996,
with acquisitions adding $132 or 4%. Excluding the effect of acquisitions, U.S.
sales increased $44 or 2% in 1997. U.S. sales of heavy truck OE components,
which strengthened in the second quarter, were still down 3% for the six months.
Fueled by Dana's first-quarter acquisitions, sales to global manufacturers of
off-highway vehicles were up 37% and worldwide sales to passenger car makers
were up 20%. Excluding the effect of acquisitions, worldwide sales to global
manufacturers of off-highway vehicles decreased 5% and worldwide sales to
passenger car makers were down 2%.


11
12

ITEM 2. (Continued)
- ------

Results of Operations (Six Months 1997 vs Six Months 1996)
- ----------------------------------------------------------

(in Millions)

- -----------------------------------------------------
SALES BY REGION FOR SIX MONTHS ENDED JUNE 30
- -----------------------------------------------------
%
REGION 1996 1997 CHANGE
- -----------------------------------------------------
North America $3,083 $3,247 5
- -----------------------------------------------------
Europe 555 610 10
- -----------------------------------------------------
South America 263 303 15
- -----------------------------------------------------
Asia Pacific 92 96 4
- -----------------------------------------------------

All regions reported increased sales over the comparable period in
1996. The European and South American sales continued to grow in the six-month
period as the Company concentrated on international growth of its core
businesses, particularly through acquisitions. North American sales were also
higher in part from the ongoing demand for light truck and sport utility
vehicles.

Dana's worldwide distribution business decreased 1% over the 1996
period, primarily due to the disposition of the European warehouse distribution
business. Automotive distribution sales were down 11% (due to the distribution
business disposition). Truck parts distribution was up 12% and
off-highway/industrial distribution increased 8%. On a comparable basis,
worldwide distribution sales increased 2%, automotive distribution sales
decreased 1%, truck parts distribution increased 11% and off-highway/industrial
distribution was even with 1996.

Revenue from lease financing and other income increased $99 in 1997.
Contributing to the increase were $76 of other income relating to the
divestiture of the European warehouse distribution operations, $13 from the sale
of an investment in a leveraged lease by DCC and increased lease-related revenue
at DCC.

Dana's gross margin for the first six months of 1997 was 14.3%,
compared to 15.4% in 1996. Charges to cost of sales of $26 related to the
rationalization plan at the Company's Perfect Circle Europe operations in France
and $9 related to the estimated cost of closing the Berwick, Pa. plant as well
as the effect of work stoppages at two of Dana's major customers were the
primary reasons for the decline in gross margin. Excluding these charges and the
estimated effect of the work stoppages, gross margin would have been comparable
to 1996.

SG&A increased 2% in 1997. The increase due to acquisitions was
substantially offset by the effect of the European divestiture. The ratio of
SG&A expense to sales improved from 9.3% in 1996 to 8.9% in 1997.

Dana's operating margin for the six-month period was 5.4% in 1997
versus 6.1% in 1996. Excluding the charges for the European rationalization plan
and the plant closing and the estimated effect of work stoppages, Dana's 1997
operating margin would have improved over 1996.

Interest expense increased $22 over the six-month period in 1996,
primarily due to higher average debt levels associated with acquisitions.


12
13

ITEM 2. (Continued)
- ------

Results of Operations (Six Months 1997 vs Six Months 1996)
- ----------------------------------------------------------

(in Millions)

Dana's effective tax rate for the first half of 1997 was 46% compared
to 37% for 1996's first six months. The effective rate is higher due to the
provision of a valuation reserve for tax benefits previously recorded in France
and the valuation reserve for tax benefits associated with the expenses recorded
for the rationalization plan at its Perfect Circle Europe operations.

Minority interest in net income of subsidiaries decreased $3, primarily
due to the lower earnings recorded by Dana's majority-owned subsidiary in
Brazil.

Equity in earnings of affiliates was higher in 1997 by $5, primarily
due to higher earnings of the Company's affiliates in Mexico, which were
partially offset by lower earnings of affiliates in Korea and South America.

The Company reported profit of $186, an increase of $16 or 9% from
1996. Earnings per share increased 7% over the first six months of 1996. The
earnings for 1997 included a $45 after-tax gain on the sale of the European
warehouse operations and charges of $36 for the rationalization plan of the
Perfect Circle Europe operations and $5 for the Berwick, Pa. plant closing.
Earnings were also negatively impacted by the work stoppages at two of Dana's
major customers.

With the strikes at two of Dana's largest customers resolved,
production of U.S. light trucks and sport utility vehicles is expected to
continue with volumes similar to the second half of 1996. The domestic heavy
truck market showed some improvement in the second quarter of 1997 and is
expected to continue this slight improvement for the remainder of the year.

Dana recently announced several major steps to rationalize its business
portfolio worldwide and to focus more sharply on its core businesses. These
plans include selling its global vehicular clutch business to Eaton Corporation
and purchasing Eaton's worldwide axle and brake operations; selling its
transmission business to a unit of its Mexican affiliate Spicer, S.A. de C.V.
and selling its global hydraulic cylinder manufacturing operations. These are
the latest in a series of strategic moves aimed at sharpening Dana's focus on
its core businesses - axles, driveshafts, structural components, sealing
products, filtration products, industrial products, engine products, and leasing
services.



13
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PART II. OTHER INFORMATION

ITEM 1. LEGAL PROCEEDINGS
- -------------------------

The Company and its consolidated subsidiaries are parties to various
pending judicial and administrative proceedings arising in the ordinary course
of business. The Company's management and legal counsel have reviewed the
probable outcome of these proceedings, the costs and expenses reasonably
expected to be incurred, the availability and limits of the Company's insurance
coverage, and the Company's established reserves for uninsured liabilities.
While the outcome of the pending proceedings cannot be predicted with certainty,
based on its review, management believes that any liabilities that may result
are not reasonably likely to have a material effect on the Company's liquidity,
financial condition or results of operations.

Under the rules of the Securities and Exchange Commission, certain
environmental proceedings are not deemed to be ordinary routine proceedings
incidental to the Company's business and are required to be reported in the
Company's annual and/or quarterly reports. The Company is not currently a party
to any such proceedings.




14
15


ITEM 6. EXHIBITS AND REPORTS ON FORM 8-K.
- ------

a) The Exhibits listed in the "Exhibit Index" are filed as a part of
this report

b) Reports on Form 8-K.

The Company filed a Current Report on Form 8-K on July 22, 1997,
to report that it had signed agreements with Eaton Corporation to
sell its clutch business to Eaton and to purchase Eaton's axle
and brake operations.




15
16





SIGNATURE

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 hereunto duly authorized.

DANA CORPORATION

Date: August 4, 1997 /s/ John S. Simpson
- -------------------- ----------------------------
John S. Simpson
Chief Financial Officer

Duly Authorized Officer and
Principal Financial Officer.



16
17

<TABLE>

EXHIBIT INDEX
-------------
<CAPTION>
Exhibit
- -------

<S> <C>
10-E(2) First Amendment to the Dana Corporation 1997 Stock Option
Plan, dated February 10, 1997

10-G(2) Second Amendment to the Dana Corporation Retirement Plan,
effective June 1, 1996

10-H Directors Retirement Plan, amended effective December 31, 1996

10-J(8) Amendment No. 3 dated December 9, 1996, to the Employment
Agreement between Registrant and Southwood J. Morcott.
Substantially similar amendments were made to the Employment
Agreements of Messrs. Hirsch, Magliochetti, and Strobel.

27 Financial Data Schedule


</TABLE>

17