*** DIRECT.TXT
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                   ***      C A U T I O N      ***
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            Do Not Use These Documents Without Consulting
                     An Estate Planning Attorney.

The purpose of this software product is to assist you in the
preparation of sample estate planning documents.  You must have these
documents reviewed and approved by an Estate Planning Attorney to
ensure that the documents meet your particular needs, as well as to
ensure that the documents conform to requirements of state and federal
laws.

JIAN and the authors of the software do not represent or guarantee
that these documents are appropriate for your needs, satisfy any
provision of state or federal law or will have any particular state or
federal tax effect.

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                               REMEMBER

   to change the complete insertion code (***Q1***, ***Q2***, etc.)
                    and not just the "Q1" or "Q2".

       This document references the following insertion codes:
                               (None)

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                 Directive To Physician (Living Will)

This document, sometimes called a "Living Will," describes your
desires regarding life support and, while the document may not be
legally binding, confirms the elections made in the Durable Power Of
Attorney For Health Care.  This document expires at the end of five
years.

    This Document Must Be Reviewed By An Estate Planning Attorney
                         Before You Sign It.

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                        DIRECTIVE TO PHYSICIAN



DIRECTIVE made this _____ day of ____________, 19___.

I, ___________________________, being of sound mind, willfully and
voluntarily make known my desire that my life shall not be
artificially prolonged under the circumstances set forth below, and do
hereby declare:

1.  If at any time I should have an incurable injury, disease, or
illness certified to be a terminal condition by two (2) physicians,
and where the application of life-sustaining procedures would serve
only to artificially prolong the moment of my death and where my
physician determines that my death is imminent whether or not
life-sustaining procedures are utilized, I direct that such procedures
be withheld or withdrawn, and that I be permitted to die naturally.

2.  In the absence of my ability to give directions regarding the use
of such life-sustaining procedures, it is my intention that this
Directive shall be honored by my family and physician(s) as the final
expression of my legal right to refuse medical or surgical treatment
and accept the consequences of such refusal.

3.  If I have been diagnosed as pregnant and that diagnosis is known
to my physician, this Directive shall have no force or effect during
the course of my pregnancy.

4.  I have been diagnosed and notified at least fourteen (14) days
ago as having a terminal condition by ________________, M.D., whose
address is __________________________________________________ and
whose telephone number is ______________.

I understand that if I have not filled in the physician's name and
address, it shall be presumed that I did not have a terminal condition
when I made this Directive;

5.  This Directive shall have no force or effect five (5) years from
the date filled in above.

6.  I understand the full import of this Directive and I am
emotionally and mentally competent to make this Directive.





Signed _______________________________



                        STATEMENT OF WITNESSES

     The Declarant has been personally known to me and I believe
Declarant to be of sound mind.



Signature:     __________________________________


Print Name:    __________________________________


Address:       __________________________________


               __________________________________



Signature:     __________________________________


Print Name:    __________________________________


Address:       __________________________________


               __________________________________