EXHIBIT 10.22

                    FOURTH AMENDMENT TO LOAN AGREEMENT



     THIS FOURTH AMENDMENT TO LOAN AGREEMENT dated January 23, 1996, by and
between:

          ORANGE-CO, INC., a Florida corporation and ORANGE-CO
          OF FLORIDA, INC., a Florida corporation, 2020 Highway
          17 South, Bartow, Florida  33830 (hereinafter
          collectively referred to as the "Borrowers");

                                    and

          SUNTRUST BANK, CENTRAL FLORIDA, NATIONAL ASSOCIATION,
          f/k/a SUN BANK, NATIONAL ASSOCIATION, a national
          banking association, 200 South Orange Avenue, Post
          Office Box 3833, Orlando, Florida  32897 (hereinafter
          referred to as the "Bank").


                               W I T N E S S E T H:


     WHEREAS, pursuant to the Loan Agreement, dated June 16, 1993, by and
among the Bank and the Borrowers, as amended, the Bank agreed to extend to 
the Borrowers a working capital line of credit loan in the maximum principal
amount of $40,000,000.00 (the "Working Capital Loan") and a revolving line of
credit loan in the maximum principal amount of $6,000,000.00 (the  Revolving
Loan ); and

     WHEREAS, the Borrowers have requested the Bank to (a) renew and extend
the maturity date of the Working Capital Loan from January 31, 1997 until
April 30, 1997 and (b) renew and extend the maturity of the Revolving Loan
from January 31, 1996 until April 30, 1996.

     NOW, THEREFORE, for and in consideration of the above premises, and the
mutual covenants and agreements contained herein, the Borrowers and the Bank
do hereby agree as follows:

     1.   Amendments to Loan Agreement.  The Loan Agreement is hereby
amended as follows:

          (a)  The definition of "Revolving Period" is hereby deleted and,
in lieu thereof, there is substituted the following:

               "'Revolving Period' shall mean the period
               during the term of the Loans, which, in
               the case of the Revolving Loan, shall
               commence on the date hereof and end on the
               earlier of the occurrence of (i) an Event
               of Default or (ii) April 30, 1996, or such
               later date as the Bank may agree to in
               writing, and in the case of the Working
               Capital Loan, shall commence on the date
               hereof and end on the occurrence of (i) an
               Event of Default or (ii) April 30, 1997,
               or such later date as the Bank may agree
               to in writing."
          
     2.   Capitalized Terms.  All capitalized terms contained herein shall
have the meanings assigned to them in the applicable Loan Documents (as
defined in the Loan Agreement) unless the context herein otherwise dictates or
unless different meanings are specifically assigned to such terms herein.

     3.   Representations and Warranties.  Each of the Borrowers represents
and warrants as follows:

          (a)  The execution, delivery and performance of this Fourth
Amendment to Loan Agreement and the other loan documents provided to the Bank
in connection therewith has been duly authorized by all requisite action of
the Borrowers; and

          (b)  The Loan Documents are valid, legal binding obligations of
the Borrowers enforceable in accordance with their terms. There are no
defenses, counterclaims, rights of setoff or recoupment thereunder. 

     4.   Miscellaneous.  The Borrowers hereby confirm the terms conditions,
representations and warranties of the Loan Agreement. The Loan Agreement, as
amended hereby, shall remain in full force and effect and this Fourth
Amendment to Loan Agreement shall not be deemed to be a novation.

     5.   Counterparts.  This Agreement may be executed in any number of
counterparts, all of which taken together shall constitute one and the same
instrument and any of the parties hereto may execute this Agreement by 
signing any such counterpart.
 
     IN WITNESS WHEREOF, the parties have executed the Fourth Amendment to
Loan Agreement as of the day and year first above written.

                              BORROWERS:

                              ORANGE-CO, INC., a Florida corporation





                              By:  /s/Dale A. Bruwelheide
                                   -----------------------------------
                                   Dale A. Bruwelheide, Vice President


ATTEST

/s/John R. Alexander
________________________________
John R. Alexander, Secretary

     (CORPORATE SEAL)


                              ORANGE-CO OF FLORIDA, INC., a Florida
                              corporation




                              By:  /s/Dale A. Bruwelheide
                                   ___________________________________
                                   Dale A. Bruwelheide, Vice President

ATTEST


/s/John R. Alexander
________________________________
John R. Alexander, Secretary

     (CORPORATE SEAL)


                         BANK:

                         SUNTRUST BANK, CENTRAL FLORIDA, NATIONAL
                         ASSOCIATION f/k/a SUN BANK, NATIONAL ASSOCIATION




                         By: /s/William A. Mang
                             _____________________________________
                             William A. Mang, First Vice President