Form One -- This document creates a trust for the lifetime use of a Husband
and Wife as Grantors and Co-Trustees.  Upon their deaths property in the
trust goes to any other persons specified in the trust.
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                   REVOCABLE LIVING TRUST AGREEMENT

This Revocable Living Trust Agreement is made this (day) day of (month),   
19(year), between (Name) and (Name), husband and wife, of (address), City
of (city), State of (State), herein referred to as Grantors, and (name) and
(name), of (address), City of (city), State of (state), herein referred to
as Co-Trustees.

Whereas, grantors are now the owners of the property described in Exhibit A
attached hereto and made a part hereof, and

Whereas, grantors desire to make provision for the care and management of
such property, and the collection of the income therefrom, and the
disposition of both such income and such property in the manner herein
provided:

Now, therefore, for the reasons set forth above, and in consideration of
the mutual covenants set forth herein, grantors and trustees agree as
follows:

1. Transfer of Property: Grantors, in consideration of the acceptance by
co-trustees of the trust herein created, hereby convey, transfer, assign,
and deliver to co-trustees, their successors in trust and assigns, the
property described in Exhibit A attached hereto and made a part hereof, by
this reference, which property, together with all other property that may
from time to time be held by co-trustees hereunder, is herein referred to
as Trust Estate.  Grantors, and any other persons shall have the right at
any time to add property acceptable to trustees to this trust and such
property, when received and accepted by trustees, shall become part of the
trust estate.

2. Disposition of Income and Principal: Trustees shall care for and manage
the trust estate and collect the income derived therefrom, and, after the
payment of all taxes and assessments thereon and all charges incident to
the management thereof, dispose of the net income therefrom and corpus
thereof, as follows:

During the lifetime of grantors the trustees may pay income of the trust
estate and such portions of the principal as the grantors from time to time
may direct to the grantors, or otherwise as they direct during their lives. 
After the death of both grantors the successor trustee shall distribute the
trust estate to the following beneficiary or beneficiaries who shall
survive both grantors:  (names and addresses) _____________________________

___________________________________________________________________________

___________________________________________________________________________

The share of any beneficiary who shall be under the age of (age) years
shall not be paid to such beneficiary but shall instead be held in trust to
apply to his/her use all the income thereof, and also such amounts of the
principal, even to the extent of all, as the trustees deem necessary or
suitable for the support, welfare, and education of such beneficiary; and
when he/she attains the age of (age) years, to pay him/her the remaining
principal, if any.  If any beneficiary for whom a share is held in trust
should die before having received all the principal thereof, then upon
his/her death the remaining principal shall be paid to his/her then living
child or children, equally if more than one, and in default thereof, to the
then living descendants of the grantors, per stirpes.  No interest
hereunder shall be transferrable or assignable by any beneficiary, or be
subject during his or her life to the claims of his or her creditors. 
Notwithstanding anything herein to the contrary, the trusts hereunder shall
terminate not later than twenty-one (21) years after the death of the last
beneficiary name herein.

3. Revocation and Amendment: The grantors, or the survivor of them, may, by
signed instrument delivered to the trustees, revoke the trusts hereunder,
in whole or in part, or amend this Agreement from time to time in any
manner.

4. Successor Trustees: In the event of the death or incapacity of both co-
trustees, we hereby nominate and appoint as successor trustee (name) and
(address).  In the event the successor trustee does not serve we appoint
whomever shall at the time be the first designated beneficiary hereunder. 
The trustees and their successors shall serve without bond.

5. Trustees' Acceptance: This trust has been accepted by trustees and will
be administered in the State of state and its validity, construction, and
all rights thereunder shall be governed by the laws of that state.

In Witness Whereof, grantors and trustees have executed this Agreement on
the date above written.


_________________________     _________________________
Grantor                       Co-Trustee

_________________________     _________________________
Grantor                       Co-Trustee

_________________________     _________________________
Witness 1                     Witness 2

Sworn to and subscribed before me this (day) day of (month), 19(year).


My commission expires:          _________________________
                                Notary Public

_________________________
Date

                              Exhibit A
                           (Separate Page)

          (Listing of property included in this agreement)

_________________________________________________________________________

_________________________________________________________________________

_________________________________________________________________________
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