                                WILL (Simple Form)

                LAST WILL AND TESTAMENT OF:_______________________


                I, ______________________, a resident of
        __________________ County, declare that this is my will.

                FIRST:

                I revoke all Wills and Codicils that I have previously
        made.

                SECOND:

                I am not currently married.  I have no children now
                living, nor have I any deceased
        children who died and left issue.

                THIRD:

                I give all my jewelry, clothing, household furniture and
        furnishings, personal automobiles and other tangible articles of
        a personal nature, or my interest in any such property not
        otherwise disposed of by this will or in any other manner
        together with any insurance on the property, to _________________
        who presently resides at _____________________, _________________
        if he or she survives me by thirty (30) days, and if he or she
        does not so survive me, then I give said property to
        ____________, who presently resides at ________________, and if
        she or he does not survive me by thirty (30) days, then to
        ______________________ who presently resides at
        _________________, otherwise to pass with the residency of my
        estate.

                FOURTH:

                I give the residue of my estate as follows:

                1.  To ______________________ who presently resides at
        __________________ should he or she survive me by thirty (30)
        days. <share and share alike>

                2.  If __________________ who presently resides at
        ________________________, does not survive me by thirty (30)
        days, I give his or her interest to _________________ who
        presently resides at ___________________, and if she does not
        survive me by thirty (30) days, then to ____________________ who
        presently resides at ______________________ should he or she
        survive me by thirty (30) days, and if he or she should not so
        survive me, then I give the rest and residue of my estate to
        those persons who would have taken said property under the
        interstate laws of the state of ____________________. <Repeat if
        necessary>

                FIFTH:

                I nominate _____________________ who shall be represented
        by __________________ as Executor of this Will, to serve without
        bond.  If he or she shall for any reason fail to qualify as
        Executor, I nominate ___________________________ who shall be
        represented by ________________ as Executor to serve without
        bond.  The term "my Executor" as used in this Will shall include
        any personal representative of my estate.

                I authorize my Executor to sell, with or without notice,
        at either public or private sale, and to lease any property
        belonging to my estate, subject only to such confirmation of
        court as may be required by law.

                I authorize my Executor to invest and reinvest any
        surplus money in the Executor's hands in every kind of property,
        real, personal, or mixed and every kind of investment,
        specifically including but not limited to interest bearing
        accounts, corporate obligations of every kind, preferred or
        common stocks, shares of investment trusts, investment companies,
        mutual funds, or common trust funds, including funds administered
        by the Executor, and mortgage participations, that men of
        prudence, discretion, and intelligence acquire for their own
        account.

                SIXTH:

                I direct that all inheritance, estate, or other death
        taxes (excluding any additional tax imposed under Internal
        Revenue Code Section 2032A or any generation skipping transfer
        tax) that may be reason of my death, be attributable to my
        probate estate or any portion of it, or to any property or
        transfers of property outside my probate estate, shall be paid by
        my Executor out of the residue of my estate disposed of by this
        Will, without adjustment among the residuary beneficiaries, and
        shall not be charged against or collected from any beneficiary of
        my probate estate, or from any transferee or beneficiary of any
        property outside my probate estate.

                SEVENTH:

                If any beneficiary under this Will in any manner,
        directly or indirectly, contests or attacks this Will or any of
        its provisions, any share or interest in my estate given to the
        contesting beneficiary under this Will is revoked and shall be
        disposed of in the same manner provided herein as if that
        contesting beneficiary had predeceased me without issue.

                I subscribe my name to this Will on _________,19__, at
        __________________________.


                                        ________________________________


                On the date written below, ________________________
        declared to us, the undersigned, that this instrument, consisting
        of these few pages including the page signed by us as witnesses,
        was his or her Will and requested us to act as witnesses to it.
        He or she thereupon signed this Will in our presence, all of us
        being present at the same time.  We now, at his or her request,
        in his or her presence and in the presence of each other,
        subscribe our names as witnesses.

                Each states that the testator is not a minor and appears
        to be of sound mind and that we have no knowledge or any facts
        indicating that the foregoing instrument, or any part of it, was
        procured by duress, menace, fraud or undue influence.

                We, each of himself or herself, declare that each of us
        is over the age of majority, and that each of us is, and the
        others appear to be of sound mind.

                We, each for himself or herself, declare under penalty of
        perjury that the foregoing is true and correct and that this
        attestation and this declaration are executed on the __________
        day of ____________, 19__ at ________________,
        _______________________.


        ____________________________ residing at _____________________


        ____________________________ residing at ______________________


        ___________________________ residing at _______________________


                                                        Form 608












