Exhibit 10.16



              AMENDMENT TO SUPPLEMENTAL RETIREMENT AGREEMENT

This Amendment is made the 23rd day of January, 1997, by and between
Seafield Capital Corporation, a Missouri corporation ("Employer") and P.
Anthony Jacobs ("Employee").

     WHEREAS, the parties entered into a Supplemental Retirement Agreement,
dated June 3, 1991 ("Supplemental Retirement Agreement"), which was
intended to be the embodiment of the supplemental retirement arrangement
between the parties as approved by the Employer's Board of Directors in
February, 1991, and

     WHEREAS, a review of the Supplemental Retirement Agreement and the
resolution of Employer's Board of Directors respecting the supplemental
retirement arrangement between the parties has revealed that there is an
inconsistency, and

     WHEREAS, for purposes of ensuring that the Supplemental Retirement
Agreement incorporates the concept intended in the resolution, the parties
desire to amend the Supplemental Retirement Agreement as herein provided,

     NOW, THEREFORE, in consideration of the premises and for other good
and valuable consideration, the parties acknowledge and agree as follows:

     1.  Paragraph numbered 2 of the Supplemental Retirement Agreement is
hereby deleted and in its place is substituted the follows:

         "2.  SUPPLEMENTAL BENEFIT.  Effective immediately, Employer shall
         establish and maintain on its books a Supplemental Retirement
         Account (the "Account") to which it shall credit as of the first
         day of each fiscal year, commencing January 1, 1991, the sum of
         Twelve Thousand Dollars ($12,000), until the earlier of Employee's
         attainment of age 65, the date Employee's employment with Employer
         terminates or the date the parties agree in writing to terminate
         this Agreement.  The Account also shall be credited, as of the
         last day of each of Employer's fiscal years ending prior to the
         year in which the amounts credited to the Account are distributed
         to Employee hereunder and as of the date of such distribution,
         with interest at the rate of nine percent (9%) per annum.

         The obligation of Employer to credit the Account and to make
         payment hereunder is merely a contractual obligation, and neither
         Employee nor any beneficiary or heir, nor any person claiming any
         right on Employee's behalf, shall have any interest in the Account
         or in any asset of Employer or otherwise, other than the right to
         receive the benefits as set forth herein.  Any and all such claims
         shall be limited to the amount then credited to the Account at the
         time of any claim.  No amount credited to the Account or paid
         hereunder shall be included as compensation to Employee for any
         purpose, including any pension or profit sharing plan maintained
         by Employer.  Neither this Agreement nor the creation of the
         Account hereunder is intended to be the creation or establishment
         of a trust.  Amounts credited to the Account hereunder shall
         remain unfunded and unsecured and Employer shall be under no
         obligation to invest or in any way accumulate or segregate monies
         to fund the same."

     2.  Except to the extent modified and amended hereby, all of the terms
and provisions of the Supplemental Retirement Agreement shall remain in
effect and the Supplemental Retirement Agreement as amended shall be and
remain in full force and effect.

     IN WITNESS WHEREOF, the parties hereto have signed this Amendment as
of the date first above written.

                                       SEAFIELD CAPITAL CORPORATION


                                       By /S/ W. Thomas Grant II
                                          -----------------------
                                          Authorized Officer
                                          EMPLOYER



                                          /s/ P. Anthony Jacobs
                                          -----------------------
                                          P. Anthony Jacobs,
                                          EMPLOYEE