EXHIBIT 10(d)

                    SCHEDULE IDENTIFYING MATERIAL DETAILS OF
                       EXECUTIVE AGREEMENTS SUBSTANTIALLY
                            SIMILAR TO EXHIBIT 10(b)

<TABLE>
<CAPTION>
      NAME                                                     EFFECTIVE DATE
      -----                                                    ---------------
<S>                                                            <C>
Peter E. Geier                                                 April 1, 1998
Ronald J. Seiffert                                             April 1, 1998
Frank Wobst                                                    April 1, 1998
</TABLE>




                    SCHEDULE IDENTIFYING MATERIAL DETAILS OF
                       EXECUTIVE AGREEMENTS SUBSTANTIALLY
                            SIMILAR TO EXHIBIT 10(c)

<TABLE>
<CAPTION>
      NAME                                                     EFFECTIVE DATE
      -----                                                    ---------------
<S>                                                            <C>
Richard A. Cheap                                               May 4, 1998
Judith D. Fisher                                               April 1, 1998
Gerald R. Williams                                             April 1, 1998
</TABLE>