Foot Locker
FL
#4440
Rank
$2.29 B
Marketcap
$24.01
Share price
-0.37%
Change (1 day)
-0.41%
Change (1 year)

Foot Locker - 10-Q quarterly report FY


Text size:
1
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

F O R M 10 - Q


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




For the quarterly period ended April 26, 1997


Commission file no. 1-10299


WOOLWORTH CORPORATION
(Exact name of registrant as specified in its charter)


<TABLE>
<CAPTION>
New York 13-3513936
<S> <C>
(State or other jurisdiction of incorporation (I.R.S. Employer Identification No.)
or organization)



233 Broadway, New York, New York 10279-0003
(Address of principal executive offices) (Zip Code)
</TABLE>


Registrant's telephone number: (212) 553-2000


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
--- ---

Number of shares of Common Stock outstanding at June 2, 1997: 134,286,970
2
WOOLWORTH CORPORATION

INDEX



<TABLE>
<CAPTION>
Page No.
--------
<S> <C> <C>
Part I. Financial Information

Item 1. Financial Statements

Condensed Consolidated Balance Sheets 3

Condensed Consolidated Statements
of Operations 4

Condensed Consolidated Statements
of Retained Earnings 5

Condensed Consolidated Statements
of Cash Flows 6

Notes to Condensed Consolidated
Financial Statements 7-8

Item 2. Management's Discussion and Analysis of
Financial Condition and Results of Operations 8-12



Part II. Other Information

Item 1. Legal Proceedings 12

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

Signature 13

Index to Exhibits 14-16
</TABLE>

-2-
3
PART I - FINANCIAL INFORMATION

Item 1. FINANCIAL STATEMENTS

WOOLWORTH CORPORATION

CONDENSED CONSOLIDATED BALANCE SHEETS
(in millions)

<TABLE>
<CAPTION>
April 26, April 27, January 25,
1997 1996 1997
---- ---- ----
(Unaudited) (Unaudited)

ASSETS
<S> <C> <C> <C>
CURRENT ASSETS
Cash and cash equivalents $ 50 $ 46 $ 321
Merchandise inventories 1,386 1,497 1,269
Other current assets 192 232 233
------ ------ ------
1,628 1,775 1,823
PROPERTY AND EQUIPMENT, net 1,017 1,182 1,058
DEFERRED CHARGES AND OTHER ASSETS 684 650 595
------- ------- ------
$3,329 $3,607 $3,476
===== ===== =====

LIABILITIES AND SHAREHOLDERS' EQUITY

CURRENT LIABILITIES
Short-term debt $ - $ 247 $ -
Accounts payable 401 372 334
Accrued liabilities 369 356 505
Current portion of long-term debt and obligations
under capital leases 16 19 17
------- ------- -------
786 994 856
LONG-TERM DEBT AND OBLIGATIONS
UNDER CAPITAL LEASES 575 616 580
DEFERRED TAXES AND OTHER LIABILITIES 677 797 706
SHAREHOLDERS' EQUITY
Preferred stock - - -
Common stock and paid-in capital 302 291 299
Retained earnings 1,051 869 1,050
Foreign currency translation adjustment (25) 75 22
Minimum pension liability adjustment (37) (35) (37)
------ ------ -----
Total shareholders' equity 1,291 1,200 1,334
COMMITMENTS
------ ------ ------
$3,329 $3,607 $3,476
===== ===== =====
</TABLE>

See accompanying notes to Condensed Consolidated Financial Statements.

-3-
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WOOLWORTH CORPORATION

CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS
(Unaudited)
(in millions, except per share amounts)

<TABLE>
<CAPTION>
Thirteen weeks ended
April 26, April 27,
1997 1996
---- ----
<S> <C> <C>
SALES $ 1,768 $ 1,820


COSTS AND EXPENSES
Cost of sales 1,253 1,295
Selling, general and administrative expenses 459 492
Depreciation and amortization 45 50
Interest expense 14 20
Other income (5) --
------- -------
1,766 1,857
------- -------

INCOME/(LOSS) BEFORE INCOME TAXES 2 (37)
Income tax expense (benefit) 1 (15)
------- -------

NET INCOME/(LOSS) $ 1 $ (22)
------- =======


Net Income/(Loss) Per Common Share $ 0.01 $ (0.17)

Weighted-average Common Shares outstanding 134.1 133.1
</TABLE>

See accompanying notes to Condensed Consolidated Financial Statements.

-4-
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WOOLWORTH CORPORATION

CONDENSED CONSOLIDATED STATEMENTS OF RETAINED EARNINGS
(Unaudited)
(in millions)

<TABLE>
<CAPTION>
Thirteen weeks ended
April 26, April 27,
1997 1996
---- ----
<S> <C> <C>
RETAINED EARNINGS AT BEGINNING OF YEAR $1,050 $ 891
Net Income/(Loss) 1 (22)
Cash dividends declared:
Preferred Stock (1996 - $0.55 per share) -- --
------ -----

RETAINED EARNINGS AT END OF INTERIM PERIOD $1,051 $ 869
====== =====
</TABLE>

See accompanying notes to Condensed Consolidated Financial Statements.

-5-
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WOOLWORTH CORPORATION

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS
(Unaudited)
(in millions)

<TABLE>
<CAPTION>
Thirteen weeks ended
April 26, April 27,
1997 1996
---- ----
<S> <C> <C>
FROM OPERATING ACTIVITIES
Net income/(loss) $ 1 $ (22)
Adjustments to reconcile net income/(loss) to net cash used
in operating activities:
Depreciation and amortization 45 50
Gain on sales of real estate (4) --
Change in assets and liabilities, net of acquisitions:
Merchandise inventories (102) (137)
Accounts payable 60 52
Other, net (107) (71)
----- -----
Net cash used in operating activities (107) (128)
----- -----

FROM INVESTING ACTIVITIES
Proceeds from sales of real estate 12 --
Capital expenditures (25) (16)
Payments for business acquired, net of cash acquired (140) --
Proceeds from sales of assets and investments -- 7
----- -----
Net cash used in investing activities (153) (9)
----- -----

FROM FINANCING ACTIVITIES
Increase in short-term debt -- 179
Reduction in long-term debt and capital lease obligations (1) (8)
Issuance of common stock 3 --
Dividends paid -- --
----- -----
Net cash provided by financing activities 2 171
----- -----

EFFECT OF EXCHANGE RATE FLUCTUATIONS
ON CASH AND CASH EQUIVALENTS (13) (1)
----- -----

NET CHANGE IN CASH AND CASH EQUIVALENTS (271) 33
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR 321 13
----- -----
CASH AND CASH EQUIVALENTS AT END OF INTERIM PERIOD $ 50 $ 46
===== =====

Cash Paid During the Period:
Interest $ 1 $ 9
Income Taxes $ 33 $ 4
</TABLE>

See accompanying notes to Condensed Consolidated Financial Statements.

-6-
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WOOLWORTH CORPORATION

NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

Basis of Presentation

The accompanying unaudited condensed consolidated financial statements
should be read in conjunction with the Notes to Consolidated Financial
Statements contained in the 1996 Annual Report to Shareholders of Woolworth
Corporation (the "Registrant"), portions of which Annual Report are incorporated
by reference in the Registrant's Annual Report on Form 10-K for the year ended
January 25, 1997, as filed with the Securities and Exchange Commission (the
"SEC"). Certain items included in these statements are based on management's
estimates. In the opinion of management, all material adjustments, which are of
a normal recurring nature, necessary for a fair presentation of the results for
the interim period have been included. The results for the thirteen weeks ended
April 26, 1997 are not necessarily indicative of the results expected for the
year.

Merchandise Inventories

Domestic merchandise inventories are stated at the lower of cost or
market determined using the last-in, first-out method. At April 26, 1997, April
27, 1996, and January 25, 1997 domestic merchandise inventories are stated at
$98 million, $102 million and $98 million less than the amounts that would have
been determined on the first-in, first-out basis.

Legal Proceedings

Between March 30, 1994 and April 18, 1994, the Registrant and certain
of its present and former directors and officers were named as defendants in
lawsuits brought by certain shareholders claiming to represent classes of
shareholders that purchased shares of the Registrant's common stock during
different periods between January 1992 and March 1994.

These class action complaints purport to present claims under the
federal securities and other laws and seek unspecified damages based on alleged
misleading disclosures during the class periods.

On April 29, 1994, United States Senior District Judge Richard Owen
entered an order consolidating 25 actions, purportedly brought as class actions,
commenced against the Registrant and certain officers and directors of the
Registrant in the United States District Court for the Southern District of New
York, under the caption In re Woolworth Corporation Securities Class Action
Litigation. Plaintiffs served an Amended and Consolidated Class Action
Complaint, to which the defendants responded. On February 17, 1995, Judge Owen
entered an order for certification of the action as a class action on behalf of
all persons who purchased the Registrant's common stock or options on the
Registrant's common stock from May 12, 1993 to March 29, 1994 inclusive,
pursuant to a stipulation among the parties. On March 13, 1997, the parties'
representatives engaged in a mediation proceeding with a view toward settling
the issues in dispute. As a result, the parties have agreed in principle to a
settlement of the class action, subject to final documentation and the approval
of the court. In the opinion of management, the settlement, if approved by the
court, would not have a material adverse effect on the financial position or
results of operations of the Registrant.

Five separate state-court derivative actions filed in April 1994 were
consolidated under the caption In re Woolworth Corporation Derivative Litigation
and are now pending in the Supreme Court of the State of New York, County of New
York. Plaintiffs served a Consolidated Complaint on behalf of the plaintiffs in
these five actions

-7-
8
together with the plaintiff in the former federal derivative action Sternberg v.
Woolworth Corp., which has been dismissed. Defendants moved to dismiss the
Consolidated Complaint, and on April 27, 1995, the court granted defendants'
motion, with leave to the plaintiffs to replead. On June 7, 1995, plaintiffs
served a Consolidated Amended Derivative Complaint. On June 27, 1995, defendants
moved to dismiss the Consolidated Amended Derivative Complaint with prejudice.
On April 10, 1996, the court granted defendants' motion with prejudice.
Plaintiffs filed a notice of appeal from the dismissal to the Appellate
Division, First Department. On June 5, 1997, the court affirmed the dismissal of
this action. There is one federal derivative action pending in the United States
District Court for the Southern District of New York under the caption Rosenbaum
v. Sells et al. There have been no material developments in this action. The
results of these actions will not have a material adverse effect on the
financial position or results of operations of the Registrant.

During 1994, the staff of the SEC initiated an inquiry relating to the
matters that were reviewed by the Special Committee of the Board of Directors as
well as in connection with trading in the Registrant's securities by certain
directors and officers of the Registrant. The SEC staff has advised that its
inquiry should not be construed as an indication by the SEC or its staff that
any violations of law have occurred. In the opinion of management, the result of
the inquiry will not have a material adverse effect on the financial position or
results of operations of the Registrant.

The information in this section on Legal Proceedings is current as of June 6,
1997.

Recent Accounting Pronouncement

In February 1997, the Financial Accounting Standards Board issued
Statement of Financial Accounting Standard No. 128, "Earnings per Share" ("SFAS
No. 128"), which is effective for financial statements issued for periods ending
after December 15, 1997 and therefore, effective for the Registrant for the
fiscal year ending January 31, 1998. SFAS No. 128 simplifies the standards for
computing earnings per share previously found in Accounting Principles Board
Opinion No. 15 and establishes new standards for computing and presenting
earnings per share. Application of SFAS No. 128 is not expected to have a
significant impact on the Registrant's earnings per share.

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

Total sales for the 1997 first quarter decreased 2.9 percent to $1,768
million compared with $1,820 million for the 1996 first quarter. This decline
reflects 550 fewer stores year-over-year and, in part, was attributable to
unseasonably cool spring weather. Comparable-store sales decreased 1.4 percent.
Excluding the effect of foreign currency fluctuations and sales from disposed
operations, sales increased $54 million, or 3.1 percent. Total Specialty segment
sales increased 6.5 percent in the first quarter and comparable-store sales
increased 1.5 percent. General Merchandise segment sales decreased 10.3 percent
for the first quarter of 1997, compared with the first quarter of 1996.
Comparable-store sales in the General Merchandise segment decreased 6.0 percent
during the period. Excluding the impact of foreign currency fluctuations, sales
decreased by 2.9 percent, as compared with the first quarter of 1996.

First quarter operating profit (before corporate expense, interest
expense and income taxes) of $33 million improved as compared with break-even
results in the first quarter of 1996. This improvement stemmed directly from the
continuing implementation of the Registrant's strategic plan. Selling, general
and administrative expenses declined by $33 million compared with the first
quarter of 1996 which reflected the cost reduction initiatives undertaken.

The Registrant reported net income of $1 million, or $0.01 per share,
for the first quarter of 1997, compared with a net loss of $22 million, or $0.17
per share, in the corresponding year-earlier period.

-8-
9
As of April 26, 1997, the Registrant operated a total of 7,558 stores
consisting of 6,556 Specialty stores and 1,002 General Merchandise stores. This
compares to 8,108 stores consisting of 7,091 Specialty stores and 1,017 General
Merchandise stores operated at April 27, 1996.

The net gain on the divestiture of non-strategic real estate totaled $4
million in the first quarter of 1997. This primarily related to the sale of a
vacant distribution center.

SALES

The following table summarizes sales by segment and by geographic area:

<TABLE>
<CAPTION>
Thirteen weeks ended
(in millions) April 26, April 27,
1997 1996
---- ----
<S> <C> <C>
By segment:
Specialty:
Athletic Group $ 907 $ 838
Specialty Footwear 121 122
Northern Group 74 66
Other Specialty 72 76
------ ------
Specialty total 1,174 1,102
------ ------

General Merchandise:
Germany 326 370
United States 224 244
Other 42 46
------ ------
General Merchandise total 592 660
------ ------

Disposed operations 2 58
------ ------
$1,768 $1,820
====== ======
By geographic area:
Domestic $1,208 $1,164
International 558 598
Disposed operations 2 58
------ ------
$1,768 $1,820
====== ======
</TABLE>

Specialty Segment

Athletic footwear and apparel division sales increased by 8.2 percent
as compared with the prior year period. This was primarily due to the opening
of 108 stores domestically and sales from Eastbay, Inc. ("Eastbay"), a first
quarter acquisition. Comparable-store sales increased by 1.6 percent. Northern
Group sales increased by 12.1 percent which was attributable to a combination
of store openings in the Northern Reflections U.S. format and the Canadian
children's apparel store, Northern Getaway. Comparable-store sales increased by
5.8 percent.

Specialty Footwear sales were level with the prior-year period,
however, comparable-store sales increased by 1.8 percent. Sales declines in the
Kinney format were offset by increases at Footquarters and the Registrant's

-9-
10
Australian formats. Other Specialty sales, adjusted for dispositions, decreased
by 5.3 percent while comparable-store sales declined by 3.3 percent. This
decline in Other Specialty sales was mainly due to the closure of 74
under-performing stores related to ongoing formats.

General Merchandise

German general merchandise first quarter sales decreased by 11.9
percent. However, excluding the impact of foreign currency fluctuations, sales
increased 1.2 percent.

United States general merchandise sales decreased by $20 million or
8.2 percent. Comparable-store sales declined by 7.9 percent. The decline in
sales was primarily attributable to both the discontinuance of certain
unprofitable merchandise categories and unseasonably cool weather.

A slight decline in sales was experienced by both the Mexican and
Canadian operations. Sales in this group fell by $4 million, or 8.7 percent, and
comparable-store sales declined by 3.4 percent. Excluding the favorable impact
of foreign currency fluctuations, sales declined by 7.3 percent. This decline
was primarily attributable to store closures and elimination of low-margin
merchandise categories.

OPERATING RESULTS

Operating results (before corporate expense, interest expense, and income taxes)
are as follows:

<TABLE>
<CAPTION>
Thirteen weeks ended
(in millions) April 26, April 27,
1997 1996
---- ----
<S> <C> <C>
By Segment:
Specialty $ 57 $ 40
General Merchandise (26) (21)
Disposed operations (2) (19)
Net gain on sales of real estate 4 --
---- ----
$ 33 $ --
==== ====

By geographic area:
Domestic $ 42 $ 42
International (11) (23)
Disposed operations (2) (19)
Net gain on sales of real estate 4 --
---- ----
$ 33 $ --
==== ====
</TABLE>

Specialty Segment

Specialty operating profits improved by $17 million over the 1996 first
quarter. This was primarily due to higher sales and significant gross margin
increases achieved by the Athletic Group as well as a positive earnings
contribution from Eastbay.

Within the Specialty Footwear group, significant inventory clearances
of aged merchandise in the Kinney format contributed an additional $8 million of
losses in the first quarter as compared with the prior year. The Northern

-10-
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Group, which historically had an operating loss in the first quarter, reduced
its operating loss by 8.5 percent through higher margins and expense reductions.

General Merchandise

The General Merchandise Segment's operating loss increased by $5
million as compared with the first quarter of 1996. This decline was primarily
attributable to declines in the United States general merchandise group offset
by improvements in Germany. Germany has significantly reduced expenses by
operating with a more flexible, smaller workforce. The benefits from this new
structure helped lower losses from $7 million to less than $1 million.

SEASONALITY

The Registrant's businesses are highly seasonal in nature.
Historically, the greatest proportion of sales and net income is generated in
the fourth quarter and the lowest proportion of sales and net income is
generated in the first quarter, reflecting seasonal buying patterns.

LIQUIDITY AND CAPITAL RESOURCES

Net cash used in operating activities was $107 million for the thirteen
weeks ended April 26, 1997, compared with $128 million in the comparable
prior-year period. The decrease in cash utilization during the 1997 first
quarter compared with 1996 was primarily due to improved operating results and
better inventory management.

Net cash used in investing activities amounted to $153 million for the
thirteen weeks ended April 26, 1997, compared with cash used in investing
activities of $9 million during the corresponding period in 1996. The increase
in cash used for investing was due to the January 30, 1997 cash acquisition of
Eastbay by the Registrant in a transaction accounted for as a purchase. Under
the purchase agreement, stockholders of Eastbay received cash in amounts between
$22 and $24 for their shares. The total acquisition cost was $140 million with
an additional $6 million contingently payable. Capital expenditures increased by
$9 million as compared to the prior-year first quarter; approximately $285
million of capital expenditures are planned for the 1997 fiscal year as compared
with $134 million in 1996.

Inventories decreased $111 million to $1,386 million as of April 26,
1997, from $1,497 million as of April 27, 1996. The decrease from the first
quarter of 1996 reflects the Registrant's merchandise improvement efforts as
well as the divestiture of the Rx Place Drug Mart and Accessory Lady chains and
the sale of Silk & Satin, Lady Plus, Rubin and Moderna chains. The $117 million
increase in inventory levels from January 25, 1997 is a normal seasonal
increase, as inventory levels are at their lowest in the fourth quarter.

Accounts payable at April 26, 1997 increased by $29 million as compared
with the first quarter 1996 and increased by $67 million to $401 million as
compared with the year-end level. The increase from January 25, 1997 coincides
with the increase in inventory.

Short-term debt decreased $247 million as compared with the level at
April 27, 1996 due to repayment using cash generated from operations and did not
change from the year-end level.

The $1.5 billion credit agreement which was negotiated in 1995 included
a $1.0 billion three-year facility and an additional $500 million facility for
the first year of the agreement. At the Registrant's election, in February 1997,
the $1.0 billion facility was reduced to $500 million and the terms were
modified. The new five-year agreement will

-11-
12
expire in April 2002.

Interest expense for the thirteen weeks ended April 26, 1997, decreased
$6 million over the comparable 1996 period. This was attributable to the
reduction in total debt levels of $291 million as compared with the prior-year
period.

Shareholders' equity at April 26, 1997 increased $91 million from the
level at April 27, 1996. This change was attributable to the Registrant's
improved results, offset by foreign currency translation.


PART II - OTHER INFORMATION

Item 1. Legal Proceedings

This information is incorporated by reference to the Legal Proceedings
section of the Notes to Condensed Consolidated Financial Statements on pages 7
through 8 of Part I, Item 1.

Item 6. Exhibits and Reports on Form 8-K

(a) Exhibits

An index of the exhibits that are required by this item, and which are
furnished in accordance with Item 601 of Regulation S-K, appears on pages 14
through 16. The exhibits which are in this report immediately follow the index.

(b) Reports on Form 8-K

The Registrant filed a Form 8-K dated April 9, 1997 (date of earliest
event reported), which announced that Andrew P. Hines resigned as Senior Vice
President and Chief Financial Officer of the Registrant effective April 30,
1997.

-12-
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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 thereunto duly authorized.




WOOLWORTH CORPORATION
(Registrant)





Date: June 6, 1997 /s/ Bruce L. Hartman
------------ --------------------
BRUCE L. HARTMAN
Vice President and Controller
(Principal Accounting Officer)

-13-
14
WOOLWORTH CORPORATION
INDEX OF EXHIBITS REQUIRED BY ITEM 6(a) OF FORM 10-Q
AND FURNISHED IN ACCORDANCE WITH ITEM 601 OF REGULATION S-K

<TABLE>
<CAPTION>
Exhibit No. in Item 601
of Regulation S-K Description
----------------- -----------
<S> <C>
1 *

2 *

3(i)(a) Certificate of Incorporation of the
Registrant, as filed by the Department of
State of the State of New York on April 7,
1989 (incorporated herein by reference to
Exhibit 3(a) to the Registration Statement on
Form S-4 filed by the Registrant with the
Securities and Exchange Commission ("SEC") on
May 9, 1989 (Registration No. 33-28469) (the
"S-4 Registration Statement").

3(i)(b) Certificates of Amendment of the Certificate
of Incorporation of the Registrant, as filed
by the Department of State of the State of New
York on (a) July 20, 1989 (incorporated herein
by reference to Exhibit 3(b) to the
Registration Statement on Form 8-B filed by
the Registrant with the SEC on August 7, 1989
(Registration No. 1-10299) (the "8-B
Registration Statement")) and (b) July 24,
1990 (incorporated herein by reference to
Exhibit 4(a) to the Quarterly Report on Form
10-Q for the quarterly period ended July 28,
1990, filed by the Registrant with the SEC on
September 7,1990 (the "July 28, 1990 Form
10-Q")).

3(ii) By-laws of the Registrant, as amended
(incorporated herein by reference to Exhibit
3(ii) to the Registrant's Annual Report on
Form 10-K for the year ended January 28, 1995,
filed by the Registrant with the SEC on April
24, 1995 (the "1994 10-K")).

4(a) The rights of holders of the Registrant's
equity securities are defined in the
Registrant's Certificate of Incorporation, as
amended (incorporated herein by reference to:
(a) Exhibit 3(a) to the S-4 Registration
Statement, (b) Exhibit 3(b) to the 8-B
Registration Statement and (c) Exhibit 4(a) to
the July 28, 1990 Form 10-Q).

4(b) Rights Agreement dated as of April 4, 1988, as
amended January 11, 1989, between F.W.
Woolworth Co. ("FWW") and Morgan Shareholder
Services Trust Company (now, First Chicago
Trust Company of New York), as Rights Agent
(incorporated herein by reference to (a)
Exhibit 1 to the Registration Statement on
Form 8-A filed by FWW with the SEC on April
12, 1988 (Registration No. 1-238) and (b) the
Form 8 Amendment to such Form 8-A filed
</TABLE>

-14-
15
<TABLE>
<CAPTION>
<S> <C>
by FWW with the SEC on January 13, 1989). The
rights and obligations of FWW under said
Rights Agreement were assumed by the
Registrant pursuant to an Agreement and Plan
of Share Exchange dated as of May 4, 1989, by
and between FWW and the Registrant
(incorporated herein by reference to Exhibit 2
to the S- 4 Registration Statement).

4(c) Indenture dated as of October 10, 1991
(incorporated herein by reference to Exhibit
4.1 to the Registration Statement on Form S-3
(Registration No. 33-43334) previously filed
with the SEC).

4(d) Forms of Medium-Term Notes (Fixed Rate and
Floating Rate) (incorporated herein by
reference to Exhibits 4.4 and 4.5 to the
Registration Statement on Form S-3
(Registration No. 33-43334) previously filed
with the SEC).

4(e) Form of 8-1/2% Debentures due 2022
(incorporated herein by reference to Exhibit 4
to Registrant's Form 8-K dated January 16,
1992).

4(f) Purchase Agreement dated June 1, 1995 and Form
of 7% Notes due 2000 (incorporated herein by
reference to Exhibits 1 and 4, respectively,
to Registrant's Form 8-K dated June 7, 1995).

4(g) Distribution Agreement dated July 13, 1995 and
Forms of Fixed Rate and Floating Rate Notes
(incorporated herein by reference to Exhibits
1, 4.1 and 4.2, respectively, to Registrant's
Form 8-K dated July 13, 1995).

5 *

8 *

9 *

10 Employment Agreement with Dale W. Hilpert
dated April 30, 1997.

11 Computation of Net Income (Loss) Per Common
Share.

12 Computation of Ratio of Earnings to Fixed
Charges.

13 *

15 Letter re: Unaudited Interim Financial
Statements.

16 *

17 *

18 *
</TABLE>

-15-
16
<TABLE>
<CAPTION>
<S> <C>
19 *

20 *

21 *

22 *

23 *

24 *

25 *

26 *

27 Financial Data Schedule, which is submitted
electronically to the SEC for information only
and not filed.

99 Independent Accountants' Review Report.
</TABLE>

* Not applicable

-16-
17
Exhibits filed with this Form 10-Q:


<TABLE>
<CAPTION>
Exhibit No.
- -----------
<S> <C>
10 Employment Agreement with Dale W. Hilpert.

11 Computation of Net Income (Loss) Per Common Share.

12 Computation of Ratio of Earnings to Fixed Charges.

15 Letter re: Unaudited Interim Financial Statements.

27 Financial Data Schedule.

99 Independent Accountants' Review Report.
</TABLE>