Form Three -- This document creates a trust for the lifetime use of an
individual (perhaps a single person) as Grantor with both the Grantor and a
Third Party as Co-Trustees.  Upon the death of the individual, property in
the trust goes to any person specified in the trust.
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                     REVOCABLE LIVING TRUST AGREEMENT

This Revocable Living Trust Agreement is made this (day) day of (month),
19(year), between (Name), of (address), City of (city), State of (State),
herein referred to as Grantor, and (name), of (address), City of (city),
State of (state), herein referred to as co-trustees.

Whereas, grantor is now the owner of the property described in Exhibit A
attached hereto and made a part hereof, and

Whereas, grantor desires to make provision for the care and management of
such property, and the collection of the income therefrom, and the
disposition of both such income and such property in the manner herein
provided:

Now, therefore, for the reasons set forth above, and in consideration of the
mutual covenants set forth herein, grantor and trustees agree as follows:

1. Transfer of Property: Grantor, in consideration of the acceptance by
trustee of the trust herein created, hereby convey, transfer, assign, and
delivers to trustees, their successors in trust and assigns, the property
described in Exhibit A attached hereto and made a part hereof, by this
reference, which property, together with all other property that may from
time to time be held by trustees hereunder, is herein referred to as Trust
Estate.  Grantor, and any other persons shall have the right at any time to
add property acceptable to trustees to this trust and such property, when
received and accepted by trustees, shall become part of the trust estate.

2. Disposition of Income and Principal: Trustees shall care for and manage
the trust estate and collect the income derived therefrom, and, after the
payment of all taxes and assessments thereon and all charges incident to the
management thereof, dispose of the net income therefrom and corpus thereof,
as follows:

During the lifetime of grantor the trustees may pay income of the trust
estate and such portions of the principal as the grantor from time to time
may direct to the grantor, or otherwise as he/she directs during his/her
life.  After the death of the grantor the successor trustee shall distribute
the trust estate to the following beneficiary or beneficiaries who shall
survive me:  (names and addresses) ____________________________

_________________________________________________________________________

_________________________________________________________________________

The share of any beneficiary who shall be under the age of (age) years shall
not be paid to such beneficiary but shall instead be held in trust to apply
to his/her use all the income thereof, and also such amounts of the
principal, even to the extent of all, as the trustee deems necessary or
suitable for the support, welfare, and education of such beneficiary; and
when he/she attains the age of (age) years, to pay him/her the remaining
principal, if any.  If any beneficiary for whom a share is held in trust
should die before having received all the principal thereof, then upon
his/her death the remaining principal shall be paid to his/her then living
child or children, equally if more than one, and in default thereof, to the
then living descendants of the grantor, per stirpes.  No interest hereunder
shall be transferrable or assignable by any beneficiary, or be subject during
his or her life to the claims of his or her creditors.  Notwithstanding
anything herein to the contrary, the trusts hereunder shall terminate not
later than twenty-one (21) years after the death of the last beneficiary name
herein.

3. Revocation and Amendment: The grantor may, by signed instrument delivered
to the trustee, revoke the trusts hereunder, in whole or in part, or amend
this Agreement from time to time in any manner.

4. Successor Trustees: In the event of the death or incapacity of both
trustees, I hereby nominate and appoint as successor trustee (name) and
(address).  In the event the successor trustee does not serve I appoint
whomever shall at the time be the first designated beneficiary hereunder. 
The trustees and their successors shall serve without bond.

5. Trustees' Acceptance: This trust has been accepted by trustees and will
be administered in the State of (state) and its validity, construction, and
all rights thereunder shall be governed by the laws of that state.

In Witness Whereof, grantors and trustees have executed this Agreement on
the date above written.


_________________________     _________________________
Grantor                       Co-Trustee

_________________________     _________________________
Witness 1                     Co-Trustee

_________________________     _________________________
Witness 1                     Witness 2

Sworn to and subscribed before me this (day) day of (month), 19(year).


My commission expires:          _________________________
                                Notary Public

_________________________
Date

                                 Exhibit A
                              (Separate Page)

               (Listing of property included in this agreement)

_________________________________________________________________________

_________________________________________________________________________

_________________________________________________________________________