STX6XGY Publication Staff Editor Dr. Gwen Fontenot Marketing Solutions Mabank, Texas Editorial Assistant Rebecca Gilmore Smith Eustace High School Eustace, Texas Editorial Advisory Board Dr. David Ambrose University of Nebraska-Omaha Dr. Henry Beam Western Michigan University Dr. Don B. Bradley III University of Central Arkansas Dr. Jeffrey S. Bracker University of Louisville Dr. Robert Brockhaus St. Louis University Dr. Sam Bruno University of Houston-Clear Lake Dr. Aaron Buchko Bradley University Dr. James Carroll Georgian Court College Mr. Donald Clause University of West Florida Dr. Richard Dailey University of Montana Dr. Mark Dollinger Indiana University-Bloomington Dr. Fred Fry Bradley University Dr. Lynn Hoffman University of Northern Colorado Dr. Lawrence Klatt Florida Atlantic University Dr. Joseph Latona Ashland University Dr. Binshan Lin Louisiana State University-Shreveport Dr. Benton Miles University of North Carolina-Greensboro Dr. David Newton Westmont College Dr. Mary Nicastro Capital University Dr. Inge Nickerson Barry University Dr. John Pearson Arizona State University Dr. Peter Rainsford Cornell University Dr. Howard Rudd College of Charleston Ms. Pamela Schindler Whittenberg University Dr. Herbert Sherman Marist College Dr. Joseph Singer University of Missouri-Kansas City Dr. Richard Stapleton Georgia Southern University Dr. Harriet Stephenson Seaule University Dr. Howard Van Auken Iowa State University Dr. John Wallace Marshall State University A publication of the Small Business Institute Directors'ssociation Send subscription requests to Randi Ellis, CPA., SBIDA Secretary-Treasurer, Black Hills State University, 1200 University, Spearftsh, SD 57799-9006. Annual subscriptions may be ordered at $20 each (U.S. dollars only). International subscriptions add $5 annually for postage and handling, Back issues may, be ordered at $ 12 each. 4Kopyright 1994 Small Business Institute Dirersors'ssoeiauon