Dividend Reinvestment Plans (DRP)
             *********************************


        Small individual investors have a way to buy into some

of the largest U.S. corporations without paying middleman (broker)

fees. It's called Dividend Reinvestment Plans. Just a few companies

that offer such a plan:

                Abbott Labs
                AT&T
                Coca-Cola
                Con Edison
                Exxon
                Heinz
                Johnson & Johnson
                McDonalds
                Merck
                Sara Lee
                Texaco  ......plus hundreds more


     Three sources of information on participation in DRPs:


        1) American Association of Individual Investors 

           625 North Michigan Avenue

           Chicago, IL 60611


        2) National Association of Investors Corp.

           711 West 13 Mile Road

           Madison Heights, MI 48071


        3) The Moneypaper

           1010 Mamaroneck Avenue

           Mamaroneck, NY 10543

end

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