text: **Interest Rate Risk**
  
  The fair market value of the Company's long-term fixed interest rate debt is subject to interest rate risk. Generally, the fair market value of fixed 
  i n t e rest rate debt will increase as interest rates fall and decrease as interest rates rise. The estimated fair value of the Company's notes payable at 
  December 31, 2000 was $37.5 million compared to a carrying value of $77.2 million. A 1% increase from prevailing interest rates at December 
  31, 2000 would result in a decrease in fair value of notes payable by approximately $1.5 million. Fair values were determined from quoted 
  market prices and from investment bankers considering credit ratings and the remaining term to maturity. (See Note 20 to the Consolidated 
  Financial Statements - Financial Instruments) 