Roanoke Times
                 Copyright (c) 1995, Landmark Communications, Inc.

DATE: MONDAY, February 21, 1994                   TAG: 9402220257
SECTION: MONEY                    PAGE: A-8   EDITION: METRO 
SOURCE: By Jim Luther/Associated Press.
DATELINE:                                 LENGTH: Short

IF YOU MAKE $23,049 OR LESS . . .