STRA TEGY Editor Dr. Stephen W. Osborne Indiana University of Pennsylvania (IUP) Indiana, Pennsylvania Associate Editors Dr. Prashanth B. Nagendra Indiana University of Pennsylvania (IUP) Dr. Joette M. Wisnieski Indiana University of Pennsylvania (IUP) Editorial Assistant Julie Dobish Indiana Umverstty of Pennsylvania Book Review Editor Dr. Radha Chaganti Rider University Editorial Review Board Dr. Ramachandra Asundi University of Puerto Rico Dr. David Brennan University of St. Thomas (St. Paul) Dr. Radha Chaganti Rider University Ms. Sally A. Charles CSI CAD Systems, Inc. Dr. Ronald G. Cook Rider University Dr. Richard T. Dailey University of Montana Dr. Dale Dickson Mesa State College Dr. Teny Gaston Southern Oregon University Dr. Frederick D. Greene Manhattan College Dr. Masoud Hemmasi Illinois State University Dr. Lynn Hotfman University of Northern Colorado Dr. William T. Jackson Stephen F. Austin State University Dr. Lawrence Klatt Florida Atlantic University Dr. Kenneth J. Lacho University of New Orleans Mr. James Leda PricewaterhouseCoopers Dr. Thomas J. Liesz Eastern Oregon University Dr. Stephen Lucas University of North Carolina-Greensboro Dr. Steven J. Maranville University of St. Thomas (Houston) Dr. Thaddeus McEwen North Carolina A&T University Dr. Abbas Nadim University of New Haven Dr. Inge Nickerson Barry University Dr. Neal R. Pruchansky Keene State College Dr. C. Louise Sellaro Youngstown State University Dr. Herbert Sherman South Hampton College of Long Island Dr. Leo Simpson Eastern Washington University Dr. Matthew C. Sonfield Hofstra University Dr. Pamela H. Specht University of Nebraska at Omaha Dr. Harriet Stephenson Seattle University Dr. Dillard Tinsley Stephen F. Austin State University Dr. Jude Valdez University of Texas, San Antonio Dr. John B. Wallace Marshall Umverst ty The Journal of Small Business Strategy is a joint publication of the Small Business Institute Directors'ssociation (SBIDA) and the Eberly College of Business, Indiana University of Pennsylvania. Send subscription requests to Roosevelt D. Butler, Ph D., SBIDA Sec retmy-Treasurer The College of New Jersey, School of Business, Box 7718, Ewing, NJ 08628-0718. 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. o Copyright 1998 Small Business Institute Directors'ssociation ISSN 1081-8510 1998-1999SBIDA Officers Small Business Institute Directors'ssociation President Vice President-Case Competition Lloyd W. Fernald, Jr., D.B.A. Sherriu R Taylor, M.B.A., SPHR Umversity of Central Florida Texas Woman's Universtty P.O. Box 161400 Small Busmess Institute Orlando, Fl. 32816-1400 P O. Box 425738 OAice (407) 823-5725 Depanment of Business and Economics Fax (407) 823-3725 Denton, TX 76204 E-mnil: lloyd.femaldgbus ucf edu Oflice (940) 898-2903 Fax (940) 898-2120 President-Elect E-mail f taylorgtwu.edu J. Douglas Frszer, Ph.D., CPA Miflersvtlle University Vrce Presideno-Oevelopmenr Depanment of Business Administration Edward G. Cole, M.B.A. Miflersvifle. PA 17551-0302 St Mary's University Oflice. (717) 871-5555 School of Business Administration Fax: (717) 871-2464 One Cammo Santa Maria E-mail; dfrazcrgmarauder.miflersv edu San Antonio, TX 78228 Office: (210) 431-2039 Vice-Presi denn-Programs Fax (210) 431-2115 Joseph J. Geiger, Ph.D. E-mail; ecolegalvin stmarytx edu University of Idaho College of Business and Economics Vice Presidenrf Moriering and Membership Box 3178 Ronald G. Cook, Ph.D. Moscow, ID 83844-3178 Rider University Oflice: (208) 885-7154 College of Business Fax (208) 885-8939 2083 Lawrenceville Road E-mail, joeggutdaho.edu Lawrenceville, NJ 08648 Office (609) 895-5522 Vrce-Presidem-Pablicaiions Fax. (609) 896-5304 Gary L Aitchison, Ph.D. E-mail'ookrgnder.edu lowe State Umversity 300 Carver Hall Secretary-Treasurer Ames, IA 50011 Roosevelt D. Butler, Ph.D. Oflice. (515) 294-8107 The College of New Jersey Fax: (5 15) 294-2534 School ol Business E-mail:gaitchisgiastate.edu Box 7718 Ewmg, NJ 08628-0718 Vice President. Program Quality Assurance Oflice (609) 771-2868 Ronald S. Rubin, Ph.D. Fax: (609) 637-5129 University of Central Florida E-mail rbutlergtcnj,edu 4000 Central Florida Boulevard . Orlando, FL 32816-1400 lmmedrare Parr Presrdeni OAice. (407) 823-2682 Charles 11. Matthews, Ph.D. Fax: (407) 823-3891 Umversity of Cincinnati E-mail rubing pegasus cc ucf edu College ol'Business Administration Department of Management 504 Lindner Hall Cincinnau, OH 45221-0165 OtTtce (513) 556-7123 FAX; (513) 556-4891 E-mail charles matthewsguc edu