SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

                              --------------------

                                    FORM 8-K


                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934



        Date of Report (Date of earliest event reported): March 16, 1998
                      ------------------------------------


                          CITIBANK (SOUTH DAKOTA), N.A.
                                  ON BEHALF OF
                        CHOICE CREDIT CARD MASTER TRUST I
           (Issuer in respect of the Choice Credit Card Master Trust I
       7.20% Class B Credit Card Participation Certificates, Series 1992-2
                       (collectively, the "Certificates"))

               (Exact name of registrant as specified in charter)



    UNITED  STATES  OF  AMERICA                             33-55268
  (State  or  other   jurisdiction  of                 (Commission File No.)
         incorporation)

                                   46-0358360
                      (I.R.S. Employer Identification No.)

    701 EAST 60TH STREET, NORTH
     SIOUX FALLS, SOUTH DAKOTA                              57117
 (Address of principal executive offices)                 (Zip Code)


        Registrant's telephone number, including area code (605) 331-2626


                                 NOT APPLICABLE
          (Former name or former address, if changed since last report)

                                       1
<PAGE>

ITEM 5.  OTHER EVENTS.
     Set forth  below is the  monthly  report and  servicer's  certificate  (the
"Monthly  Report") relating to the Distribution Date occurring on March 16, 1998
and the related  Due Period  delivered  pursuant  to Section  5.02 of the Series
1992-2  Supplement  to the Pooling  and  Servicing  Agreement,  each dated as of
December 15, 1992 (together,  the  "Agreement"),  relating to Choice Credit Card
Master Trust I, among Citibank (South Dakota),  N.A. (the "Bank"),  as successor
to Citibank (Maryland),  National Association, as Seller, the Bank, as Servicer,
and Norwest Bank Minnesota, National Association, as Trustee. The Monthly Report
contains information relating to the distribution to  Certificateholders  on the
referenced  Distribution Date as well as information relating to the Receivables
and the Accounts from which the Receivables have arisen.  Capitalized terms used
but not defined herein have the meanings set forth in the Agreement.


                                       2


                          CITIBANK (SOUTH DAKOTA), N.A.

================================================================================

                        CHOICE CREDIT CARD MASTER TRUST I
                   For the Due Period Ending February 24, 1998

================================================================================


This Certificate relates to the Distribution Date occurring on  March  16,
1998 and the related Due Period.

A.  Information Regarding the Portfolio
    -----------------------------------

    1.  Portfolio Yield.........................................          9.46%

          Yield Component.......................................         16.45%

          Credit Loss Component.................................          6.99%

    2.  New Purchase Rate.......................................          6.84%

    3.  Total Payment Rate......................................          9.29%

    4.  Principal Payment Rate..................................          8.19%

    5.  Aggregate Amount of Principal Receivables in the Trust:

          Beginning of Due Period..............................$  2,754,619,487

          Average..............................................$  2,725,032,625

          Lump Sum Addition....................................$              0

          End of Due Period....................................$  2,706,537,695

    6.  Delinquencies (Aggregate outstanding balances in the Accounts that
        were delinquent by the time periods listed below as of the close of
        business of the month preceding the Distribution Date, as a percentage
        of aggregate Receivables as of the last day of the Due Period):

            Current............................................$  2,442,443,041
               5-34 days delinquent............................$    178,286,650
              35-64 days delinquent............................$     50,080,382
              65-94 days delinquent............................$     29,259,838
             95-124 days delinquent............................$     21,066,102
            125-154 days delinquent............................$     17,504,386
            155-184 days delinquent............................$     14,588,246

            Current.............................................         88.71%
               5-34 days delinquent.............................          6.48%
              35-64 days delinquent.............................          1.82%
              65-94 days delinquent.............................          1.06%
             95-124 days delinquent.............................          0.77%
            125-154 days delinquent.............................          0.64%
            155-184 days delinquent.............................          0.52%


                                       3
<PAGE>

                          CITIBANK (SOUTH DAKOTA), N.A.

================================================================================

                   CHOICE CREDIT CARD MASTER TRUST I - GROUP 1
                   For the Due Period Ending February 24, 1998

================================================================================

                                             Current Due       Current Due
                                             Period on an      Period on a
                                             Actual Basis(1)   Standard Basis(1)
B. Information Regarding Group 1
   -----------------------------
   (Percentage Basis)

   1.  Portfolio Yield                               9.46%               9.46%
   2.  Weighted Average Certificate Rate             3.60%               3.60%
   3.  Weighted Average Investor Fee Rates
           Fixed Servicing Fee                       0.77%               0.77%
           Others                                    1.83%               1.82%
   4.  Surplus Finance Charge Collections            3.26%               3.27%
   5.  Required Surplus Finance Charge Amount        0.00%               0.00%
   6.  Aggregate Surplus Finance Charge Amount       3.26%               3.27%
        minus Required Surplus Finance Charge Amount

C. Information Regarding Group 1
   -----------------------------
   (Dollar Basis)

   1.  Total Investor Collections                 $   91,512,047 $    91,512,047
           Principal Collections                  $   90,231,624 $    90,231,624
           Finance Charge Collections             $    1,280,423 $     1,280,423
   2.  Investor Default Amount                    $      546,457 $       546,457
   3.  Investor Monthly Interest                  $      306,000 $       306,000
   4.  Investor Monthly Fees
           Fixed Servicing Fees                   $       65,450 $        65,450
           Others                                 $      152,864 $       152,099
   5.  Surplus Finance Charge Collections         $      209,652 $       210,417
   6.  Required Surplus Finance Charge Collections$            0 $             0
   7.  Aggregate Surplus Finance Charge Amount    $      209,652 $       210,417
       minus Required Surplus Finance Charge Amount


  (1)  Values for "Current Due Period on an Actual Basis" reflect, in  the  case
       of a first due period close of a series, activity from the series cut-off
       or close dates until the first due period end, or,  as  in  the  case  of
       Investor  Monthly Interest and certain fees, until the first distribution
       date. Values for "Current Due Period on a Standard Basis" reflect activi-
       ty  for the entire current period, as if all series had already been out-
       standing prior to the first day of such period.

       All percents are based on actual cash revenue or expense for the  period,
       converted  to  an  annualized percent using daycounts appropriate for the
       item, either 30/360, actual/360, or actual/actual. Depending on the item,
       cash  expenses  may accrue from January 28, 1998 to February 24, 1998, 28
       days, or February 17, 1998 to March 15, 1998, 27 days (standard basis).


                                       4
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.

================================================================================

                Choice Credit Card Master Trust I, Series 1992-2
                  For the Due Period Ending February 24, 1998

================================================================================


     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of December 15, 1992, (as amended and supplemented,
the  "Agreement"),  as  supplemented by the Series 1992-2 Supplement (as amended
and supplemented, the "Series Supplement"),  between  Citibank  (South  Dakota),
Seller  and Servicer, and Norwest Bank Minnesota, National Association, Trustee,
does hereby certify the information set forth below. Capitalized terms  used  in
this Certificate have their respective meanings as set forth in the Agreement or
Series Supplement, as applicable.

D.  Information Regarding Series 1992-2
    ------------------------------------

   1a.  Class A Invested Amount         ......................$              0

   1b.  Class B Invested Amount         ......................$              0

   2a.  Class A Monthly Interest .............................$              0

   2b.  Class B Monthly Interest .............................$        306,000

   3a.  Balance in the Class A Interest Funding Account.......$              0

   3b.  Balance in the Class B Interest Funding Account.......$      2,448,000

   4a.  Available Cash Collateral Amount......................$     77,140,000

   4b.  Percent of Class B Invested Amount         ............          0.00%

   5a.  Class A Investor Charge-offs..........................$              0

   5b.  Class B Investor Charge-offs..........................$              0

   6.   Required Amount.......................................$              0

   7.   Draw on Cash Collateral Account.......................$              0

   8a.  Class A Monthly Principal for the Distribution Date(2)$              0

   8b.  Class B Monthly Principal for the Distribution Date(2)$     51,000,000

   9a.  Balance in the Class A Principal Funding Account(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$    102,000,000

        -------------------------------------------------------
        (2) Applicable during the Accumulation Period and any
            Early Amortization Period.

                                       5
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.

================================================================================

                Choice Credit Card Master Trust I, Series 1992-2
                  For the Due Period Ending February 24, 1998

================================================================================


E.  Information Regarding Charge-offs and Distributions to Certificateholders(3)
    -------------------------------------------------------------------------

    1a. The total amount of the distribution to Class A
        Certificateholders on the Payment Date....................$            0

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$  104,448,000

    2a. The amount of the distribution set forth in item 1(a) above
        in respect of principal on the Class A Certificates.......$            0

    2b. The amount of the distribution set forth in item 1(b) above
        in respect of principal on the Class B Certificates.......$  102,000,000

    3a. The amount of the distribution set forth in item 1(a) above
        in respect of interest on the Class A Certificates........$            0

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$    2,448,000

    4a. The amount, if any, by which the outstanding principal
        balance of the Class A Certificates exceeds the Class A
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$1,000,000,000

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$  102,000,000


        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       6
<PAGE>
                         CITIBANK (SOUTH DAKOTA), N.A.

================================================================================

                Choice Credit Card Master Trust I, Series 1992-2
                  For the Due Period Ending February 24, 1998

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  December  15,  1992,
     (as  amended  and supplemented, the "Agreement"), as supplemented by the
     Series 1992-2 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  between  Citibank (South Dakota), N.A., Seller and Servicer,
     and Norwest Bank Minnesota, National Association, Trustee,  does  hereby
     certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on March 16, 1998.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  March 1998.


                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,


                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       7
<PAGE>

                                   SIGNATURES

                 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 hereunto duly authorized.


                                  CITIBANK (SOUTH DAKOTA), N.A.,
                                   as Servicer
                                  Choice Credit Card Master Trust I



                                  By:  /s/ Eugene D. Rowenhorst
                                       ----------------------------------
                                       Eugene D. Rowenhorst
                                       Senior Vice President

Dated:  March 18, 1998


                                       8
<PAGE>
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SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

                              --------------------

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

        Date of Report (Date of earliest event reported): March 16, 1998
                      ------------------------------------

                          CITIBANK (SOUTH DAKOTA), N.A.
                                  ON BEHALF OF
                        CHOICE CREDIT CARD MASTER TRUST I
           (Issuer in respect of the Choice Credit Card Master Trust I
       7.20% Class B Credit Card Participation Certificates, Series 1992-2
                       (collectively, the "Certificates"))

               (Exact name of registrant as specified in charter)

    UNITED  STATES  OF  AMERICA                             33-55268
  (State  or  other   jurisdiction  of                 (Commission File No.)
         incorporation)

                                   46-0358360
                      (I.R.S. Employer Identification No.)

    701 EAST 60TH STREET, NORTH
     SIOUX FALLS, SOUTH DAKOTA                              57117
 (Address of principal executive offices)                 (Zip Code)

        Registrant's telephone number, including area code (605) 331-2626

                                 NOT APPLICABLE
          (Former name or former address, if changed since last report)

                                       1
ITEM 5.  OTHER EVENTS.
     Set forth  below is the  monthly  report and  servicer's  certificate  (the
"Monthly  Report") relating to the Distribution Date occurring on March 16, 1998
and the related  Due Period  delivered  pursuant  to Section  5.02 of the Series
1992-2  Supplement  to the Pooling  and  Servicing  Agreement,  each dated as of
December 15, 1992 (together,  the  "Agreement"),  relating to Choice Credit Card
Master Trust I, among Citibank (South Dakota),  N.A. (the "Bank"),  as successor
to Citibank (Maryland),  National Association, as Seller, the Bank, as Servicer,
and Norwest Bank Minnesota, National Association, as Trustee. The Monthly Report
contains information relating to the distribution to  Certificateholders  on the
referenced  Distribution Date as well as information relating to the Receivables
and the Accounts from which the Receivables have arisen.  Capitalized terms used
but not defined herein have the meanings set forth in the Agreement.

                                       2

                          CITIBANK (SOUTH DAKOTA), N.A.

================================================================================

                        CHOICE CREDIT CARD MASTER TRUST I
                   For the Due Period Ending February 24, 1998

================================================================================

This Certificate relates to the Distribution Date occurring on  March  16,
1998 and the related Due Period.

A.  Information Regarding the Portfolio
    -----------------------------------

    1.  Portfolio Yield.........................................          9.46%

          Yield Component.......................................         16.45%

          Credit Loss Component.................................          6.99%

    2.  New Purchase Rate.......................................          6.84%

    3.  Total Payment Rate......................................          9.29%

    4.  Principal Payment Rate..................................          8.19%

    5.  Aggregate Amount of Principal Receivables in the Trust:

          Beginning of Due Period..............................$  2,754,619,487

          Average..............................................$  2,725,032,625

          Lump Sum Addition....................................$              0

          End of Due Period....................................$  2,706,537,695

    6.  Delinquencies (Aggregate outstanding balances in the Accounts that
        were delinquent by the time periods listed below as of the close of
        business of the month preceding the Distribution Date, as a percentage
        of aggregate Receivables as of the last day of the Due Period):

            Current............................................$  2,442,443,041
               5-34 days delinquent............................$    178,286,650
              35-64 days delinquent............................$     50,080,382
              65-94 days delinquent............................$     29,259,838
             95-124 days delinquent............................$     21,066,102
            125-154 days delinquent............................$     17,504,386
            155-184 days delinquent............................$     14,588,246

            Current.............................................         88.71%
               5-34 days delinquent.............................          6.48%
              35-64 days delinquent.............................          1.82%
              65-94 days delinquent.............................          1.06%
             95-124 days delinquent.............................          0.77%
            125-154 days delinquent.............................          0.64%
            155-184 days delinquent.............................          0.52%

                                       3
CITIBANK (SOUTH DAKOTA), N.A.

================================================================================

                   CHOICE CREDIT CARD MASTER TRUST I - GROUP 1
                   For the Due Period Ending February 24, 1998

================================================================================

                                             Current Due       Current Due
                                             Period on an      Period on a
                                             Actual Basis(1)   Standard Basis(1)
B. Information Regarding Group 1
   -----------------------------
   (Percentage Basis)

   1.  Portfolio Yield                               9.46%               9.46%
   2.  Weighted Average Certificate Rate             3.60%               3.60%
   3.  Weighted Average Investor Fee Rates
           Fixed Servicing Fee                       0.77%               0.77%
           Others                                    1.83%               1.82%
   4.  Surplus Finance Charge Collections            3.26%               3.27%
   5.  Required Surplus Finance Charge Amount        0.00%               0.00%
   6.  Aggregate Surplus Finance Charge Amount       3.26%               3.27%
        minus Required Surplus Finance Charge Amount

C. Information Regarding Group 1
   -----------------------------
   (Dollar Basis)

   1.  Total Investor Collections                 $   91,512,047 $    91,512,047
           Principal Collections                  $   90,231,624 $    90,231,624
           Finance Charge Collections             $    1,280,423 $     1,280,423
   2.  Investor Default Amount                    $      546,457 $       546,457
   3.  Investor Monthly Interest                  $      306,000 $       306,000
   4.  Investor Monthly Fees
           Fixed Servicing Fees                   $       65,450 $        65,450
           Others                                 $      152,864 $       152,099
   5.  Surplus Finance Charge Collections         $      209,652 $       210,417
   6.  Required Surplus Finance Charge Collections$            0 $             0
   7.  Aggregate Surplus Finance Charge Amount    $      209,652 $       210,417
       minus Required Surplus Finance Charge Amount

  (1)  Values for "Current Due Period on an Actual Basis" reflect, in  the  case
       of a first due period close of a series, activity from the series cut-off
       or close dates until the first due period end, or,  as  in  the  case  of
       Investor  Monthly Interest and certain fees, until the first distribution
       date. Values for "Current Due Period on a Standard Basis" reflect activi-
       ty  for the entire current period, as if all series had already been out-
       standing prior to the first day of such period.

       All percents are based on actual cash revenue or expense for the  period,
       converted  to  an  annualized percent using daycounts appropriate for the
       item, either 30/360, actual/360, or actual/actual. Depending on the item,
       cash  expenses  may accrue from January 28, 1998 to February 24, 1998, 28
       days, or February 17, 1998 to March 15, 1998, 27 days (standard basis).

                                       4
CITIBANK (SOUTH DAKOTA), N.A.

================================================================================

                Choice Credit Card Master Trust I, Series 1992-2
                  For the Due Period Ending February 24, 1998

================================================================================

     The undersigned, a duly authorized representative of Citibank (South  Dako-
ta),  N.A., as Servicer ("Citibank (South Dakota)"), pursuant to the Pooling and
Servicing Agreement dated as of December 15, 1992, (as amended and supplemented,
the  "Agreement"),  as  supplemented by the Series 1992-2 Supplement (as amended
and supplemented, the "Series Supplement"),  between  Citibank  (South  Dakota),
Seller  and Servicer, and Norwest Bank Minnesota, National Association, Trustee,
does hereby certify the information set forth below. Capitalized terms  used  in
this Certificate have their respective meanings as set forth in the Agreement or
Series Supplement, as applicable.

D.  Information Regarding Series 1992-2
    ------------------------------------

   1a.  Class A Invested Amount         ......................$              0

   1b.  Class B Invested Amount         ......................$              0

   2a.  Class A Monthly Interest .............................$              0

   2b.  Class B Monthly Interest .............................$        306,000

   3a.  Balance in the Class A Interest Funding Account.......$              0

   3b.  Balance in the Class B Interest Funding Account.......$      2,448,000

   4a.  Available Cash Collateral Amount......................$     77,140,000

   4b.  Percent of Class B Invested Amount         ............          0.00%

   5a.  Class A Investor Charge-offs..........................$              0

   5b.  Class B Investor Charge-offs..........................$              0

   6.   Required Amount.......................................$              0

   7.   Draw on Cash Collateral Account.......................$              0

   8a.  Class A Monthly Principal for the Distribution Date(2)$              0

   8b.  Class B Monthly Principal for the Distribution Date(2)$     51,000,000

   9a.  Balance in the Class A Principal Funding Account(2)...$              0

   9b.  Balance in the Class B Principal Funding Account(2)...$    102,000,000

        -------------------------------------------------------
        (2) Applicable during the Accumulation Period and any
            Early Amortization Period.

                                       5
CITIBANK (SOUTH DAKOTA), N.A.

================================================================================

                Choice Credit Card Master Trust I, Series 1992-2
                  For the Due Period Ending February 24, 1998

================================================================================

E.  Information Regarding Charge-offs and Distributions to Certificateholders(3)
    -------------------------------------------------------------------------

    1a. The total amount of the distribution to Class A
        Certificateholders on the Payment Date....................$            0

    1b. The total amount of the distribution to Class B
        Certificateholders on the Payment Date....................$  104,448,000

    2a. The amount of the distribution set forth in item 1(a) above
        in respect of principal on the Class A Certificates.......$            0

    2b. The amount of the distribution set forth in item 1(b) above
        in respect of principal on the Class B Certificates.......$  102,000,000

    3a. The amount of the distribution set forth in item 1(a) above
        in respect of interest on the Class A Certificates........$            0

    3b. The amount of the distribution set forth in item 1(b) above
        in respect of interest on the Class B Certificates........$    2,448,000

    4a. The amount, if any, by which the outstanding principal
        balance of the Class A Certificates exceeds the Class A
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$1,000,000,000

    4b. The amount, if any, by which the outstanding principal
        balance of the Class B Certificates exceeds the Class B
        Invested Amount as of the end of the Record Date with
        respect to the Payment Date...............................$  102,000,000

        ----------------------------------------------------------
        (3) The following information, as applicable, is included
            only on Payment Date.

                                       6
CITIBANK (SOUTH DAKOTA), N.A.

================================================================================

                Choice Credit Card Master Trust I, Series 1992-2
                  For the Due Period Ending February 24, 1998

================================================================================

          The undersigned,  a  duly  authorized  representative  of  Citibank
     (South  Dakota), N.A., as Servicer ("Citibank (South Dakota)"), pursuant
     to the Pooling and Servicing Agreement dated as of  December  15,  1992,
     (as  amended  and supplemented, the "Agreement"), as supplemented by the
     Series 1992-2 Supplement (as amended and supplemented, the "Series  Sup-
     plement"),  between  Citibank (South Dakota), N.A., Seller and Servicer,
     and Norwest Bank Minnesota, National Association, Trustee,  does  hereby
     certify as follows:

          1.      Capitalized terms used in this Certificate have their
                  respective meanings as set forth in the Agreement or
                  Series Supplement, as applicable.

          2.      Citibank (South Dakota) is, as of the date hereof, the
                  Servicer under the Agreement.

          3.      The undersigned is a Servicing Officer.

          4.      This Certificate relates to the Distribution Date
                  occurring on March 16, 1998.

          5.      As of the date hereof, to the best knowledge of
                  the undersigned, the Servicer has performed in
                  all material respects all its obligations under
                  the Agreement through the Due Period preceeding
                  such Distribution Date.

          6.      As of the date hereof, to the best knowledge of the
                  undersigned, no Amortization Event has been deemed
                  to have occurred on or prior to such Distribution Date.

          7.      As of the date hereof, to the best knowledge of the
                  undersigned, no Lien has been placed on any of the
                  Receivables other than pursuant to the Agreement.

                  IN WITNESS WHEREOF, the undersigned has duly
                  executed and delivered this Certificate this 10th day of
                  March 1998.

                                 CITIBANK (SOUTH DAKOTA), N.A.
                                 Servicer,

                                 By: /s/ Joseph Mecca
                                         Name:  Joseph Mecca
                                         Title:  Servicing Officer

                                       7
SIGNATURES

                 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 hereunto duly authorized.

                                  CITIBANK (SOUTH DAKOTA), N.A.,
                                   as Servicer
                                  Choice Credit Card Master Trust I

                                  By:  /s/ Eugene D. Rowenhorst
                                       ----------------------------------
                                       Eugene D. Rowenhorst
                                       Senior Vice President

Dated:  March 18, 1998

                                       8