FORM 4

Filed pursuant to Section 16(a) of the Securities Exchange Act of
1934, Section 17(a) of the Public Utility Holding Company Act of
1935 or Section 30(f) of the Investment Company Act of 1940

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Check this box if no longer
subject to Section 16. Form 4 or
Form 5 obligations may continue.
See Instruction 1(b).

(Print or Type Responses)

1. Name and Address of Reporting Person*

Wright Murray H.

6. Relationship of Reporting Person(s) to Issuer
                  (Check all applicable)

 X

Director

10% Owner

Officer (give title below)

Other (specify below)

(Last)        (First)       (Middle)

411 East Franklin Street, 4^th Floor

4. Statement for Trade Date
4/28/2003

7. Individual or Joint/Group Filing (Check Applicable Line)

x 

Form filed by One Reporting Person

Form filed by More than One Reporting Person

(City)          (State)      (Zip)

Table I ¾ Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned

2. Transaction Date

    (Month/Day/Year)

3. Transaction
    Code
    (Instr.8)

4. Securities Acquired (A)
    or Disposed of (D)
    (Instr. 3, 4 and 5)

5. Amount of Securities
    Beneficially Owned at
    End of Month

      (Instr. 3 and 4)

6. Ownership
    Form: Direct
    (D) or
    Indirect (I)
    (Instr. 4)

7. Nature of
    Indirect
    Beneficial
    Ownership

    (Instr. 4)

Code

V

Amount

 (A) or
 (D)

Price

Common Stock

4/28/2003

P

10,000

A

$4.145

196,000

D

45,000

I

IRA

860

I

By Son (Custodial)

400

I

By Daughter (Custodial)

FORM 4 (continued)

Table II ` Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)

4. Transaction
    Code
    (Instr.8)

5. Number of
    Derivative
    Securities
    Acquired (A)
    or Disposed
    of (D)
    (Instr. 3, 4
    and 5)

6. Date Exercisable
   and Expiration Date
   (Month/Day/Year)

7. Title and Amount of
    Underlying Securities
    (Instr. 3 and 4)

8. Price of
    Derivative
    Security
    (Instr. 5)

9. Number of
    Derivative
    Securities
    Beneficially
    Owned at
    End of
    Month
    (Instr. 4)

Code

V

(A)

(D)

Date
Exercisable

Expiration
Date

Title

Amount or
Number of
Shares

1994 Non-Employee Directors Stock Option Plan

3,000

D

Explanation of Responses:

/s/ Cheryl C. Carter-
Power of Attorney for Murray H. Wright

April 29, 2003

**Signature of Reporting Person

Date

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

*

If the form is filed by more than one reporting person, see Instruction 4(b)(v).

**

Intentional misstatements or omissions of facts constitute Federal Criminal Violations.

See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

Note:

File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.