File Number 5903-043-4

                                                                        96692985

                                         o    DEPT-01 RECORDING           $27.00
                                         o    T#0011 TRAN 3182 09/11/96 09:50:00
                                         o     #7002 # ER *-96-692985
                                         o      COOK COUNTY RECORDER


                                State of Illinois
                                    Office of
                             The Secretary of State

Whereas,
                               
                          ARTICLES OF INCORPORATION OF
                                MJG-O'HARE, INC.
INCORPORATED  UNDER THE LAWS OF THE  STATE OF  ILLINOIS  HAVE BEEN  FILED IN THE
OFFICE OF THE SECRETARY OF STATE AS PROVIDED BY THE BUSINESS  CORPORATION ACT OF
ILLINOIS, IN FORCE JULY 1, A.D. 1984.

Now Therefore,  I, George H. Ryan,  Secretary of State of the State of Illinois,
by virtue of the powers  vested in me by law, do hereby  issue  this certificate
and attach hereto a copy of the Application of the aforesaid corporation.

In  Testimony  Whereof,  I hereto  set my hand and cause to be affixed the Great
     Seal of the State of Illinois, at the City of Springfield,  this 6TH day of
     SEPTEMBER  A.D. 1996 and of the  Independence  of the United States the two
     hundred and 21ST

           [SEAL]
SEAL OF THE STATE OF ILLINOIS                     /s/ GEORGE H. RYAN
       AUG. 26TH 1818
                                                   Secretary of State
C-212.2


<PAGE>


<TABLE>
<CAPTION>
Form BCA-2.10                                  ARTICLES OF INCORPORATION                    
-----------------------------------------------------------------------------------------------------------------------------------
    (Rev. Jan. 1995)                      This space for use by Secretary State             
George H. Ryan                                           FILED                                        SUBMIT IN DUPLICATE!
Secretary of State                                    SEP 06 1996                            --------------------------------------
Department of Business Services                                                                       This space for use by
Springfield, IL 62756                                GEORGE H. RYAN                                     Secretary of State 
---------------------------------                  SECRETARY OF STATE                                 
Payment must be made by certi-                                                                  Date  9-6-96
fied check, cashier's check, Ill-                                                               Franchise Tax  $ 25
nois attorney's check, Illinois                                                                 Filing Fee     $ 75
C.P.A.'s check or money order,                                                                                 ------
payable to "Secretary of State.                                                                 Approved        100 --
===================================================================================================================================
                                                                                       
<S>  <C>                                                       
1.   CORPORATE NAME: MJG-O'Hare, Inc.
                     --------------------------------------------------------------------------------------------------------------

     ------------------------------------------------------------------------------------------------------------------------------
     (The corporate name must contain the word "corporation", "company," "incorporated," "limited" or an abbreviation thereof.)

===================================================================================================================================

2.   Initial Registered Agent: CT CORPORATION SYSTEM
                               ----------------------------------------------------------------------------------------------------
                                 First Name                                   Middle                                   Last Name

     Initial Registered Office: 208 S. La Salle Street
                                ---------------------------------------------------------------------------------------------------
                                  Number                                      Street                                     Suite #

                                Chicago                 IL                    60604                                        Cook
                                ---------------------------------------------------------------------------------------------------
                                  City                                       Zip Code                                     County

===================================================================================================================================

3.   Purpose or purposes for which the corporation is organized:
     (If  not sufficient space to cover this point, add one or more sheets of this size.)

     To engage in the  transaction of any and all lawful  business for which  corporations  may be  incorporated  under the Illinois
     Business Corporation Act.

===================================================================================================================================

4.   Paragraph 1: Authorized Shares, Issued Shares and Consideration Received:

                         Par Value              Number of Shares                Number of Shares              Consideration to be
     Class               per Share                 Authorized                Proposed to be Issued             Received Therefor 
     ------------------------------------------------------------------------------------------------------------------------------
     Common              $  .01                       1000                            100                           $ 10.00
     ------------------------------------------------------------------------------------------------------------------------------

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

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

     ------------------------------------------------------------------------------------------------------------------------------
                                                                                                              TOTAL $ 10.00

     Paragraph 2: The preferences, qualifications, limitations, restrictions and special or relative rights in respect of the shares
     of each class are:
     (If not sufficient space to cover this point, add one or more sheets of this size.)


                                                                                                                       EXPEDITED 
                                                                                                           
                                                                                                                      SEP 6 1996
                                                                                                           
                                                                                                                  SECRETARY OF STATE
                                                               (over)
                                                  
</TABLE>


<PAGE>


5.   OPTIONAL:

     (a)  Number of directors constituting the initial board of directors of the
          corporation: 3.

     (b)  Names and addresses of the persons who are to serve as directors until
          the first annual meeting of shareholders or until their successors are
          elected and qualify:

          Name           Residential Address                    City, State, ZIP
     ---------------------------------------------------------------------------
     Kenneth Waters                144 Green Bay Road         Winnetka, IL 60093
     ---------------------------------------------------------------------------
     Peter Bynoe       203 N. LaSalle St., Suite 1500         Chicago, IL 60601
     ---------------------------------------------------------------------------
     Charles Reeves                144 Green Bay Road         Winnetka, IL 60093
     ---------------------------------------------------------------------------

================================================================================

6.   OPTIONAL:
     (a)  It is estimated  that the value of all property to
          be owned by the corporation for the following year
          wherever located will be:                              $
                                                                  --------------
     (b)  It is estimated  that the value of the property to
          be located within the State of Illinois during the
          following year will be:                                $              
                                                                  --------------
     (c)  It is estimated  that the gross amount of business     
          that will be transacted by the corporation  during
          the following year will be:                            $              
                                                                  --------------
     (d)  It is estimated  that the gross amount of business     
          that will be transacted from places of business in
          the State of Illinois  during the  following  year
          will be:                                               $              
                                                                  --------------
                                                                 

================================================================================

7.   OPTIONAL: OTHER PROVISIONS

     Attach a separate sheet of this size for any other provision to be included
     in the Articles of  Incorporation,  e.g.,  authorizing  preemptive  rights,
     denying cumulative  voting,  regulating  internal affairs,  voting majority
     requirements, fixing a duration other than perpetual, etc.
              
================================================================================

8.                  NAME(S) & ADDRESS(ES) OF INCORPORATOR(S)

     The  undersigned  incorporator(s)  hereby  declare(s),  under  penalties of
perjury, that the statements made in the foregoing Articles of Incorporation are
true.

Dated     September 5, 1996.

          Signature and Name                                Address

1. /s/  JULIE A. COLLINS                     1. One First National Plaza
  ------------------------------------         ---------------------------------
                Signature                       Street

             Julie A. Collins                  Chicago         IL       60603
  ------------------------------------         ---------------------------------
           (Type or Print Name)                 City/Town     State     Zip Code

2.                                           2.  
  ------------------------------------         ---------------------------------
                Signature                       Street

                                                                         
  ------------------------------------         ---------------------------------
           (Type or Print Name)                 City/Town     State     Zip Code

3. 
  ------------------------------------         ---------------------------------
                Signature                       Street


  ------------------------------------         ---------------------------------
           (Type or Print Name)                 City/Town     State     Zip Code

(Signatures must be in BLACK INK on original document. Carbon copy, photocopy or
rubber stamp signatures may only be used on conformed copies.)

NOTE: If a corporation acts as incorporator, the name of the corporation and the
state  of  incorporation  shall  be  shown  and the  execution  shall  be by its
president or vice  president  and verified by him, and attested by its secretary
or assistant secretary.

================================================================================

                                  FEE SCHEDULE

o    The  initial  franchise  tax is assessed at the rate of 15/100 of 1 percent
     ($1.50 per $1,000) on the paid-in capital represented in this state, with a
     minimum of $25.
o    The filing fee is $75.
o    The minimum total due (franchise  tax + filing fee) is $100.  (Applies when
     the  Consideration  to be  Received  as set forth in Item 4 does not exceed
     $16,667)
o    The Department of Business Services in Springfield will provide  assistance
     in calculating the total fees if necessary.
     Illinois Secretary of State        Springfield,  IL 62756 
     Department of Business Services    Telephone (217) 782-9522 or 782-9523

C-162.18


<PAGE>


                       RIDER TO ARTICLES OF INCORPORATION
                                       OF
                                MJG-O'Hare, Inc.


7.   OTHER PROVISIONS

     Paragraph 1: No shareholder of the Corporation shall have cumulative voting
rights with respect to any matter upon which shareholders are entitled to vote.

     Paragraph 2: A director of the Corporation  shall not be personally  liable
to the  Corporation  or its  shareholders  for  monetary  damages  for breach of
fiduciary  duty as a director,  except for  liability  (i) for any breach of the
director's duty of loyalty to the Corporation or its shareholders, (ii) for acts
or  omissions  not in good faith or that  involve  intentional  misconduct  or a
knowing  violation of law, (iii) under Section 8.65 of the Business  Corporation
Act of the  State  of  Illinois,  or (iv) for any  transaction  from  which  the
director derived an improper personal benefit.  If the Business  Corporation Act
of the State of  Illinois  is  amended to  authorize  corporate  action  further
eliminating or limiting the personal liability of directors,  then the liability
of a director of the  corporation  shall be eliminated or limited to the fullest
extent permitted by the Business Corporation Act of the State of Illinois, as so
amended.  Any repeal or modification of this Paragraph 2 by the  shareholders of
the Corporation shall not adversely affect any right or protection of a director
of the Corporation existing at the time of such repeal or modification.

     Paragraph  3: Each  person who is or was or had agreed to become a director
or officer of the Corporation,  and each person who is or was serving or who had
agreed to serve at the  request of the Board of  Directors  or an officer of the
Corporation  as an  employee  or  agent  of the  Corporation  or as a  director,
officer,  employee,  or agent,  trustee or  fiduciary  of  another  corporation,
partnership,  joint  venture,  trust or other  enterprise  (including the heirs,
executors, administrators or estate of such person), shall be indemnified by the
Corporation to the fullest extent  permitted by the Business  Corporation Act of
the State of Illinois or any other  applicable laws as presently or hereafter in
effect.  Without  limiting the generality of the foregoing,  the Corporation may
enter  into  one  or  more   agreements   with  any  person  which  provide  for
indemnification greater or different than that provided in this Paragraph 3. Any
repeal  or  modification  of  this  Paragraph  3  by  the  shareholders  of  the
Corporation  shall  not  adversely  affect  any  right  or  protection  existing
hereunder immediately prior to such repeal or modification.