<PAGE>
<PAGE>


                    SECURITIES AND EXCHANGE COMMISSION
                         Washington, D.C. 20549

                           -------------------

                                FORM 10-K

             ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 (d)

                 OF THE SECURITIES EXCHANGE ACT OF 1934


For the fiscal year ended December 31, 1998 Commission file number 33-4001
                          -----------------                        -------


               CORNERSTONE MORTGAGE INVESTMENT GROUP, INC.
---------------------------------------------------------------------------
(Exact name of registrant as specified in its Articles of Incorporation)


             DELAWARE                                  43-1393535
---------------------------------------------------------------------------
 (State or other jurisdiction of                     (IRS Employer
  incorporation or organization)                   Identification No.)


    201 Progress Parkway
    Maryland Heights, Missouri                           63043
---------------------------------------------------------------------------
(Address and principal executive office)              (Zip Code)


Registrant's telephone number, including area code (314) 515-2000
                                                   --------------

Securities registered pursuant to Section 12(b) of the Act:  None.

Securities registered pursuant to Section 12(g) of the Act:  None.

  Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act
of 1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to
such filing requirements for the past 90 days.   YES X   NO
                                                    ---    ---

 Indicate the number of shares outstanding of each of the registrant's
classes of common stock, as of filing date:

             COMMON STOCK, $.01 Par Value - 1,000 Shares

  The Registrant meets the conditions set forth in General Instruction J(1)(a)
and (b) of Form 10-K and is therefore filing this form with the reduced
disclosure format.

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<PAGE>
             CORNERSTONE MORTGAGE INVESTMENT GROUP, INC.

                          TABLE OF CONTENTS

PART I                                                         Page
                                                               ----

   Item 1.   Business                                            3

   Item 2.   Properties                                          3

   Item 3.   Legal Proceeding                                    3

   Item 4.   Submission of Matters to a Vote of Security
             Holders                                             3

PART II

   Item 5.   Market for the Registrant's Common Equity and
             Related Stockholder Matters                         4

   Item 6.   Selected Financial Data                             4

   Item 7.   Management's Discussion and Analysis of Financial
             Condition and Results of Operations                 4

   Item 8.   Financial Statements and Supplementary Data         6

   Item 9.   Change in and Disagreements with Accountants
             on Accounting and Financial Disclosure             15

PART III

   Item 10.  Directors and Executive Officers of the
             Registrant.                                        16

   Item 11.  Executive Compensation                             16

   Item 12.  Security Ownership of Certain Beneficial Owners
             and Management                                     16

   Item 13.  Certain Relationships and Related Transactions     16

PART IV

   Item 14.  Exhibits, Financial Statement Schedules and
             Reports on Form 8-K                                17

SIGNATURES                                                      19

INDEX TO EXHIBITS                                               20

                               2

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<PAGE>


                              PART I
Item 1.  BUSINESS

        Cornerstone Mortgage Investment Group, Inc. (the "Company" or
"Cornerstone") was incorporated in the state of Delaware on January 9,
1986, as a wholly owned, limited purpose subsidiary of Edward D. Jones
& Co., L.P. ("EDJ"), a Missouri limited partnership.

        The Company was organized for the purpose of investing in
Certificates to be purchased with the proceeds of Secured Mortgage Bonds
collateralized by such Certificates.  EDJ organized the Company and
currently owns all the issued and outstanding capital stock of the
Company.  The Company does not intend to engage in any business or
investment activities other than issuing and selling Secured Mortgage
Bonds and acquiring, owning, holding and assigning Certificates and
investing cash balances on an interim basis in high quality, short-term
securities some or all of which may be purchased from or through EDJ.
Article 3 of the Company's Certificate of Incorporation limits the
Company's business and investment activities to the above purposes and
to any activities incidental and necessary or convenient for such
purposes.  Article 7 of the Company's Certificate of Incorporation
prohibits the Company, without the consent of the trustee under any
indenture pursuant to which Bonds are issued, from (1) dissolving or
liquidating, in whole or in part; (2) merging or consolidating with
another corporation other than a corporation wholly owned, directly or
indirectly, by EDJ or (3) amending Articles 3 or 7 of the Company's
Certificate of Incorporation.

        Due to revisions to the Internal Revenue Code, effective
January 1, 1987, the Company no longer issues Bonds, but will continue
in operation until such time as the Bonds previously issued are retired
or mature.


Item 2.  PROPERTIES

        The Company has no physical properties appropriate for
description herein.


Item 3.  LEGAL PROCEEDINGS

        The Company is not a party to any material pending legal
proceedings.


Item 4.  SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

        Omitted pursuant to General Instruction J(2)(c) of Form 10-K.

                               3
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<PAGE>

Item 5. MARKET FOR THE REGISTRANT'S COMMON EQUITY AND RELATED
        STOCKHOLDER MATTERS

           As of filing date, all outstanding shares of the
        Company's common stock are owned by EDJ and are not traded on
        any stock exchange or in the over-the-counter market.

Item 6. SELECTED FINANCIAL DATA

        Omitted pursuant to General Instruction J(2)(a) of Form 10-K.

Item 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
        RESULTS OF OPERATIONS

        1998 VERSUS 1997

           Revenues for the year ended December 31, 1998 were $59,803,
        an increase of $48,065 from the prior year.  Such amount
        consists of earnings of $19,856 from the Company's residual
        interest in its three series of Secured Mortgage Bonds
        outstanding, and $39,947 from the gain due to the sale of
        collateral for the repurchase of Series 2 on December 31, 1998.

           Expenses in 1998 increased by $588 to $4,216 for the year.
        The increase was due to quarterly filing fees.

           The result was net income of $55,587.

        1997 VERSUS 1996

           Revenues for the year ended December 31, 1997 were
        $11,738, a decrease of $2,341 from the prior year. Such amount
        consists solely of earnings from the Company's residual
        interest in its three series of Secured Mortgage Bonds
        outstanding.

           Expenses in 1997 decreased by $557 to $3,628 for the year.
        The decrease was due to a decline in trustee fees.  These fees
        will continue to decrease as the securities principal balances
        of the Secured Mortgage Bonds decrease.

           The result was net income of $8,110.

        Liquidity and Capital Adequacy
        ------------------------------

           Cornerstone currently has a deficit capital balance of
        $374,397, the majority of which is a result of previous years'
        management fees charged by EDJ to Cornerstone.  Cornerstone
        relies on EDJ's ability to extend credit, and no circumstances
        currently exist which would adversely affect EDJ's ability to
        extend credit to Cornerstone.  Management fees are no longer
        being charged by EDJ to Cornerstone.

                               4



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Item 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
        RESULTS OF OPERATIONS (CONTINUED)

        Cash Flows
        ----------

           Operating activities provided cash of $3,660 for the year
        ended December 31, 1998.  Cornerstone's cash was derived
        primarily from net income of $55,587 and a decrease in the
        receivable  from its trustee, offset by a decrease in its
        payable to Edward D. Jones & Co., L.P.

           Cash increased $4,964 from December 31, 1996 to December 31,
        1997.  Cornerstone's cash was derived from net income of $8,110
        in 1997 and an increase in the payable to Edward D. Jones &
        Co., L.P., offset by a increase in receivables from the
        trustee.

        Year 2000 Issues
        ----------------

           In 1997, the Partnership began the process of identifying
        the software applications expected to be impacted by the Year
        2000 system issue.  The Partnership does not  believe the costs
        of addressing these issues will have a material impact on the
        Partnership's financial position or on its results of
        operations.

                               5

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<PAGE>

Item 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

        Index to Financial Statements and Supplementary Financial Data


                                                                  Page No.
                                                                  --------

        Report of Independent Public Accountants                      7

        Balance Sheet as of December 31, 1998 and 1997                8

        Statement of Operations for the Years Ended December 31,
        1998, 1997 and 1996                                           9

        Statement of Cash Flows for the Years Ended December 31,
        1998, 1997 and 1996                                          10

        Statement of Changes in Stockholder's Equity for the
        Years Ended December 31, 1998, 1997 and 1996                 11

        Notes to Financial Statements                                12



All schedules are omitted because they are not required, inapplicable or
the information is included in the financial statements or notes
thereto.


                               6

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Item 8.   FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA (CONTINUED)



              REPORT OF INDEPENDENT PUBLIC ACCOUNTANTS
              ----------------------------------------



To Cornerstone Mortgage Investment Group, Inc.:

We have audited the accompanying balance sheet of Cornerstone Mortgage
Investment Group, Inc. (a Delaware corporation and wholly owned
subsidiary of Edward D. Jones & Co., L.P.) as of December 31, 1998 and
1997, and the related statements of operations, cash flows and changes
in stockholder's equity for each of the three years in the period ended
December 31, 1998. These financial statements are the responsibility of
the Company's management.  Our responsibility is to express an opinion
on these financial statements based on our audits.

We conducted our audits in accordance with generally accepted auditing
standards.  Those standards require that we plan and perform the audit
to obtain reasonable assurance about whether the financial statements
are free of material misstatement.  An audit includes examining, on a
test basis, evidence supporting the amounts and disclosures in the
financial statements.  An audit also includes assessing the accounting
principles used and significant estimates made by management, as well as
evaluating the overall financial statement presentation.  We believe
that our audits provide a reasonable basis for our opinion.

In our opinion, the financial statements referred to above present
fairly, in all material respects, the financial position of Cornerstone
Mortgage Investment Group, Inc. as of December 31, 1998 and 1997, and
the results of its operations and its cash flows for each of the three
years in the period ended December 31, 1998, in conformity with
generally accepted accounting principles.









                            ARTHUR ANDERSEN LLP





St. Louis, Missouri,
February 26, 1999


                               7
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Item 8.   FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA (CONTINUED)

<TABLE>
               CORNERSTONE MORTGAGE INVESTMENT GROUP, INC.

                            BALANCE SHEET
                            -------------

                   AS OF DECEMBER 31, 1998 AND 1997
                   --------------------------------
<CAPTION>
                                                        1998        1997
                                                      ---------   ---------
<S>                                                   <C>         <C>
                            ASSETS
                            ------

Cash                                                  $  52,386   $  48,726

Trustee Receivable                                            0       3,660
                                                      ---------   ---------

            TOTAL ASSETS                              $  52,386   $  52,386
                                                      =========   =========


              LIABILITIES AND STOCKHOLDER'S EQUITY
              ------------------------------------

LIABILITIES:

Payable To Edward D. Jones & Co., L.P.                $ 423,577     478,870

Accrued Expenses                                          3,206       3,500
                                                      ---------   ---------

            TOTAL LIABILITIES                           426,783     482,370
                                                      ---------   ---------


STOCKHOLDER'S EQUITY:

Common Stock - $.01 par value, 1,000 shares
  authorized, issued and outstanding                         10          10
Paid-In-Capital                                         300,490     300,490
Retained Deficit                                       (674,897)   (730,484)
                                                      ---------   ---------

            TOTAL STOCKHOLDER'S EQUITY                 (374,397)   (429,984)
                                                      ---------   ---------
            TOTAL LIABILITIES AND STOCKHOLDER'S
              EQUITY                                  $  52,386   $  52,386
                                                      =========   =========

                     The accompanying notes are an integral
                      part of these financial statements.
</TABLE>

                               8
                                        <PAGE>
<PAGE>


Item 8.   FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA (CONTINUED)


                 CORNERSTONE MORTGAGE INVESTMENT GROUP, INC.

<TABLE>
                           STATEMENT OF OPERATIONS
                           -----------------------

             FOR THE YEARS ENDED DECEMBER 31, 1998, 1997 AND 1996
             ----------------------------------------------------
<CAPTION>

                                                  1998      1997       1996
                                                -------   -------    -------
<S>                                             <C>       <C>        <C>
REVENUES:

    Residual interest in certificates           $19,856   $11,738    $14,079
    Gain from sale of securities                 39,947         -          -
                                                -------   -------    -------
                                                 59,803    11,738     14,079

EXPENSES:

    Registration, filing and other fees           4,216     3,628      4,185


INCOME BEFORE INCOME TAXES                       55,587     8,110      9,894
PROVISION FOR INCOME TAXES                            -         -          -
                                                -------   -------    -------


NET INCOME                                      $55,587   $ 8,110    $ 9,894
                                                =======   =======    =======


              The accompanying notes are an integral
                part of these financial statements.
</TABLE>

                               9
      <PAGE>
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Item 8.   FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA (CONTINUED)


<TABLE>
                CORNERSTONE MORTGAGE INVESTMENT GROUP, INC.

                        STATEMENT OF CASH FLOWS
                        -----------------------

           FOR THE YEARS ENDED DECEMBER 31, 1998, 1997 AND 1996
           ----------------------------------------------------
<CAPTION>
                                                 1998       1997       1996
                                               --------   -------    -------
<S>                                            <C>        <C>        <C>

CASH FLOWS PROVIDED BY
OPERATING ACTIVITIES:

    Net income                                 $ 55,587   $ 8,110    $ 9,894
    Adjustments to reconcile net income to
      net cash provided by operating
      activities -
    Increase (Decrease) in payable to
      Edward D. Jones & Co., L.P.               (55,293)      514      3,570

    (Decrease) in accrued expenses                 (294)        -     (3,000)
    (Increase) Decrease in receivable from
      trustee                                     3,660    (3,660)         -
                                               --------   -------    -------

          Net cash provided
            by operating activities               3,660     4,964     10,464



CASH, beginning of year                          48,726    43,762     33,298
                                               --------   -------    -------

CASH, end of year                              $ 52,386   $48,726    $43,762
                                               ========   =======    =======



               The accompanying notes are an integral
                 part of these financial statements.
</TABLE>

                               10
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<PAGE>

Item 8.   FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA (CONTINUED)


<TABLE>
              CORNERSTONE MORTGAGE INVESTMENT GROUP, INC.

             STATEMENT OF CHANGES IN STOCKHOLDER'S EQUITY
             --------------------------------------------

           FOR THE YEARS ENDED DECEMBER 31, 1998, 1997 AND 1996
           ----------------------------------------------------
<CAPTION>

                                Common    Paid-In    Retained
                                Stock     Capital     Deficit       TOTAL
                                ------   --------   ---------     ---------
<S>                              <C>     <C>        <C>           <C>
BALANCE, DECEMBER 31, 1995       $10     $300,490   $(748,488)    $(447,988)

NET INCOME                         -            -       9,894         9,894
                                 ---     --------   ---------     ---------

BALANCE, DECEMBER 31, 1996       $10     $300,490   $(738,594)    $(438,094)

NET INCOME                         -            -       8,110         8,110
                                 ---     --------   ---------     ---------

BALANCE, DECEMBER 31, 1997       $10     $300,490   $(730,484)    $(429,984)

NET INCOME                         -            -      55,587        55,587
                                 ---     --------   ---------     ---------

BALANCE, DECEMBER 31, 1998       $10     $300,490   $(674,897)    $(374,397)
                                 ===     ========   =========     =========

                  The accompanying notes are an integral
                   part of these financial statements.
</TABLE>

                               11

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<PAGE>

Item 8.   FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA (CONTINUED)


       CORNERSTONE MORTGAGE INVESTMENT GROUP, INC.

                NOTES TO FINANCIAL STATEMENTS
                -----------------------------

              DECEMBER 31, 1998, 1997 AND 1996
              --------------------------------


1.  GENERAL
    -------

Cornerstone Mortgage Investment Group, Inc.  ("Cornerstone") is a
Delaware corporation and a wholly owned subsidiary of Edward D. Jones &
Co., L.P. ("EDJ"), a Missouri limited partnership.  Cornerstone was
incorporated on January 9, 1986, for the limited purpose of issuing and
selling secured mortgage bonds (the "Bonds"), which are collateralized
by Government National Mortgage Association (GNMA), Federal Home Loan
Mortgage Corporation (FHLMC) and Federal National Mortgage Association
(FNMA) Certificates (collectively the "Certificates").  Due to revisions
to the Internal Revenue Code, effective January 1, 1987, Cornerstone no
longer issues Bonds. Cornerstone will continue operations until such
time as the Bonds previously issued are retired or mature.

2.  ISSUANCE OF BONDS
    -----------------

In 1986, Cornerstone issued an aggregate principal amount of $38,875,000
of Secured Mortgage Bonds in Series 1, Series 2 and Series 3 on a
nonrecourse basis.  No affiliate of Cornerstone is required to make
future payments with respect to the Bonds.  Therefore, these
transactions have been accounted for as sales, and both the Bonds and
Certificates have been eliminated from Cornerstone's balance sheet.
Cornerstone did not issue any further Bonds after issuance of Series 3.

                               12

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<PAGE>

Item 8.  FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA (CONTINUED)

The outstanding principal balance and remaining collateral value
relating to series issued by Cornerstone Mortgage Investment Group, Inc.
are $3,601,000 and $3,607,602, respectively, as of December 31, 1998.

3.  SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
    ------------------------------------------
The following is a discussion of the significant accounting policies of
Cornerstone.

Basis of Accounting
-------------------
Registration and offering costs are expensed as incurred.
The financial statements have been prepared under the accrual basis of
accounting which requires the use of certain estimates by management in
determining the Partnership's assets, liabilities,  revenues and
expenses.

Residual Interest
-----------------
Residual interest in the Certificates pledged as collateral for the
Bonds is recorded as it accrues to the benefit of, and becomes available
to, Cornerstone.

4.  RELATED PARTIES
    ---------------
The Certificates pledged to secure the Bonds were purchased by
Cornerstone from EDJ in 1986.  EDJ purchased such certificates on the
open market and no profit was realized by EDJ on the sales to
Cornerstone.  In addition, EDJ was the sole underwriter for the Bonds.

                               13

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Item 8.  FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA (CONTINUED)


5.  INCOME TAXES
    ------------
Cornerstone provides income taxes currently for all items included in
the statement of operations.  The differences in the recognition of
revenues and expenses for tax and financial reporting purposes are due
to the Bonds and Certificates not being eliminated from Cornerstone's
financial statements for tax purposes.

During 1998, 1997 and 1996, Cornerstone utilized $55,587, $8,110 and
$9,894, respectively, of its net operating loss carryforward.  As of
December 31, 1998, the deferred tax asset of approximately $113,000
related to the remaining net operating loss carryforward was completely
offset with a valuation allowance.  The remaining net operating loss
carryforwards expire through 2004 and 2005.

                               14



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Item 9.  CHANGE IN AND DISAGREEMENTS WITH ACCOUNTANTS ON
         ACCOUNTING AND FINANCIAL DISCLOSURE

           There was no change of accountants or disagreement with
       accountants on any matter of  accounting principles or financial
       disclosure.


                               15
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                              PART III




Item 10.   DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

           Omitted pursuant to General Instruction J(2)(c) of Form 10-K.


Item 11.   EXECUTIVE COMPENSATION

           Omitted pursuant to General Instruction J(2)(c) of Form 10-K.


Item 12.   SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

           Omitted pursuant to General Instruction J(2)(c) of Form 10-K.


Item 13.   CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

           Omitted pursuant to General Instruction J(2)(c) of Form 10-K.

                               16


                               <PAGE>
<PAGE>
                           PART IV

Item 14.   EXHIBITS, FINANCIAL STATEMENT SCHEDULES AND REPORTS ON FORM
           8-K

       a.  The following documents are filed as part of this report:

           1. Financial Statements:
              --------------------

              Report of Independent Public Accountants

              Balance Sheet as of December 31, 1998 and 1997

              Statement of Operations For the Years Ended December 31,
              1998, 1997 and 1996

              Statement of Cash Flows For the Years Ended December 31,
              1998, 1997 and, 1996

              Statement of Changes in Stockholder's Equity For the Years Ended
              December  31, 1998, 1997 and 1996

              Notes to Financial Statements

           2. Financial Statement Schedules:
              -----------------------------

                  All schedules are omitted because they are not required,
              inapplicable, or the information is included in the financial
              statements or notes thereto.

           3. Exhibits:
              --------

                  Certificate of Incorporation of the Company, as amended
              (incorporated by reference to Exhibit 3(a) to Registration
              Statement on Form S-1, as amended, File No. 33-4001).

                  Bylaws of the Company as amended (incorporated by reference
              to Exhibit 3(b) to Registration Statement on Form S-1, as
              amended, File No. 33-4001).

                  Form of Management Contract between the Company and Edward
              D. Jones & Co. (incorporated by reference to Exhibit 10(a) to
              Registration Statement on Form S-1, as amended, File No.
              33-4001).

                  Indenture dated as of June 15, 1986 between the Company and
              The Bank of New York, as Successor Trustee, relating to Secured
              Mortgage Bonds (incorporated by reference to Exhibit 4(a) to
              Registration Statement on Form S-1, as amended, File No.
              33-4001).

                  First Supplemental Indenture dated August 28, 1986
              (incorporated by reference to Exhibit 1 to the Current Report on
              Form 8-K, filed on September 19, 1986).


                               17
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<PAGE>

Item 14.   EXHIBITS, FINANCIAL STATEMENT SCHEDULES AND REPORTS ON
           FORM 8-K

                  Second Supplemental Indenture dated September 26, 1986
              (incorporated by reference to Exhibit 1 to the Current Report on
              Form 8-K, filed on October 6, 1986).

                  Third Supplemental Indenture dated October 31, 1986
              (incorporated by reference to Exhibit 1 to the Current Report on
              Form 8-K, filed on November 12, 1986).

       b.  No reports on Form 8-K were filed in the fourth quarter of 1998.

       c.  Exhibits filed as part of this report are included in Item (14)(a)(3)
           above.

       d.  Financial Statement Schedules required by Regulations S-X are
           included as described in Part II Item 8 above.

                               18


<PAGE>
<PAGE>

                                SIGNATURES


    Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the Registrant has duly caused this report to be
signed on its behalf by the undersigned, thereunto duly authorized, on
this 26th day of February 1999.


               CORNERSTONE MORTGAGE INVESTMENT GROUP, INC.
               -------------------------------------------
                              (Registrant)


    Pursuant to the requirements of the Securities Exchange Act of 1934,
this report has been signed below by the following persons on behalf of
the Registrant and in the capacities and on the dates indicated.


/s/ John C. Heisler   Chairman of the Board,          February 26, 1999
--------------------    Chief Financial Officer,      -----------------
John C. Heisler         Chief Accounting
                        Officer and Director

/s/ Philip R. Schwab  President, Chief                February 26, 1999
--------------------    Executive Officer             -----------------
Philip R. Schwab        and Director

/s/ John Beuerlein    Secretary and Director          February 26, 1999
--------------------                                  -----------------
John Beuerlein


                               19
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<PAGE>
                            INDEX TO EXHIBITS


Exhibit
Number                    Description of Exhibit                     Page
------                    ----------------------                     ----

  3.1   Certificate of Incorporation of the Company, as amended
        (incorporated by reference to Exhibit 3(a) to Registration
        Statement on Form S-1, as amended, File No.
        33-4001)                                                     <F*>

  3.2   Bylaws of the Company as amended (incorporated by
        reference to Exhibit 3(b) to Registration Statement on
        Form S-1, as amended, File No. 33-4001)                      <F*>

  4.1   Indenture dated as of June 15, 1986, between the
        Company and, as Successor Trustee, The Bank of New
        York, relating to Secured Mortgage Bonds (incorporated
        by reference  to Exhibit 4(a) to Registration Statement
        on Form S-1as amended, File No. 33-4001                      <F*>

  4.2   First Supplemental Indenture dated August 28, 1986
        (incorporated by reference to Exhibit 1 to the Current
        Report on Form 8-K filed on September 19, 1986)              <F*>

  4.3   Second Supplemental Indenture dated September 26,
        1986 (incorporated by reference to Exhibit 1 to the
        Current Report on Form 8-K, filed on October 6,
        1986)                                                        <F*>

  4.4   Third Supplemental Indenture dated October 31, 1986
        (incorporated by reference to Exhibit 1 to the Current
        Report on Form 8-K filed on November 12, 1986)               <F*>

  10.1  Form of Management Contract between the Company and
        Edward D. Jones & Co. (incorporated by reference to
        Exhibit 10(a) to Registration Statement on Form S-1,
        as amended, File No. 33-4001)                                <F*>

[FN]
-----------------------------
<F*>Incorporated by reference

                               20