|EXHIBIT 3.1 |                           
|----------- | --------------------------
|            | FAX AUDIT NO. H93000010368

|ARTICLES OF INCORPORATION OF
|----------------------------
|MCG DIVERSIFIED, INC.       

The undersigned, for the purpose of forming a corporation under the Florida
General Corporation Act, hereby adopts the following Articles of
Incorporation.

ARTICLE I

The name of me corporation shall be MCG DIVERSIFIED, INC.

ARTICLE II

The term of existence of the corporation is perpetual.

ARTICLE III

The corporation may transact any and all lawful business for which
corporations may be incorporated under the Florida General Corporation Act.

ARTICLE IV

The corporation is authorized to issue 1,000 shares of common stock, par
value $1.00 per share.

ARTICLE V

The principal office address and the mailing address of the corporation is
12000 4th St. N., #123, St. Petersburg, FL 33716. The street address of the
initial registered office of the corporation is Suite 264, 4521 P.G.A.. Blvd.,
Palm Beach Gardens, Florida 33418, and the name of the initial registered agent
at such address is American Barristers Corp.

ARTICLE VI

The Corporation shall have one director, initially. The number of directors
may be increased or decreased from time to time, by bylaws adopted by the
stockholders, but sha11 never be less than one.

|Prepared by: American Barrister Corp. | FAX AUDIT NO. H93000010368
|------------------------------------- | --------------------------
|4521 P.G.A. Blvd., Suite 264          |                           
|Palm Beach Gardens, FL 33418          |                           
|(407) 837-3360                        |                           



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| | FAX AUDIT NO. H93000010368
| | --------------------------

ARCTIC LE VII

The name and post office address of the member of the first Board of
Directors is Marguerite Godels, 12000 4th N., #123, St. Petersburg, FL
33716.

ARTICLE VIII

The name and address of the incorporator is American Barristers Corp., Suite
264, 4521 P.G.A. Blvd. Palm Beach Gardens, FL 33418.

ARTICLE IX

The Corporation shall be deemed to commence its existence upon the date of
filing of these Articles of Incorporation.

IN WITNESS WHEREOF, we have subscribed our names this 29th day of
December 1993.

| | /s/ ROBERT C. HACKNEY
| | ---------------------
| | Robert C. Hackney    

STATE OF FLORIDA

COUNTY OF PALM BEACH

On this 29th day of December, 1993, before me, a Notary Public, duly
authorized in the State and County named above to take acknowledgments,
personally appeared Robert Hackney ( ) personally known to me or (x) hasproduced
Fla. Driver License as identification, the person whose name is subscribed to
the within instrument, and he acknowledged that he executed the same for the
purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and
official seal.

| | /s/ CANDACE L. BALL                 
| | ------------------------------------
| | Candace L. Ball                     
| | Notary Public - State of Florida    
| | My Commission Expires: Aug. 01,
1997

|Prepared by: American Barrister Corp. | FAX AUDIT NO. H93000010368
|------------------------------------- | --------------------------
|4521 P.G.A. Blvd., Suite 264          |                           
|Palm Beach Gardens, FL 33418          |                           
|(407) 837-3360                        |                           



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| | FAX AUDIT NO. H93000010368
| | --------------------------

ACCEPTANCE BY REGISTERED AGENT

Having been named to accept service of process for the abovenamed
corporation, at the office stated above, I hereby agree to comply with the
provisions relative to keeping said office open.

|Date: Dec. 29, 1993 | AMERICAN BARRISTERS CORP.   
|------------------- | ----------------------------
|                    | /s/ ROBERT C. HACKNEY       
|                    | Robert C. Hackney, President

|Prepared by: American Barrister Corp. | FAX AUDIT NO. H93000010368
|------------------------------------- | --------------------------
|4521 P.G.A. Blvd., Suite 264          |                           
|Palm Beach Gardens, FL 33418          |                           
|(407) 837-3360                        |                           



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