LAKE GROVE CENTERS, INC.
                                     BYLAWS

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                                   ARTICLE I
                                    OFFICES

        1.   Principal Office.  The principal office of the corporation shall be
in Mechanicsville, Virginia, but the corporation may conduct its business or
open branch offices within or without the Commonwealth as the Board of Directors
deems advisable.

                                   ARTICLE II
                                  SHAREHOLDERS

        2.  Place of Meeting. Meetings of the shareholders shall be held at the
principal office of the corporation or at such other place, within or without
the Commonwealth of Virginia, as may be designated by the Board of Directors and
set forth in the notice of the meeting.

        3.  Annual Meeting. Commencing with the year 1998, the annual meeting of
the shareholders of the corporation shall be held on or about the 13th day in
November of each year (and if such date is a legal holiday, on the next business
day) for the purpose of electing a Board of Directors and transacting such other
business as may properly come before the meeting.

        4.  Special Meetings. Special meetings of the shareholders may be called
by the Board of Directors, the Chairman of the Board of Directors, the
President, the Secretary or, in the case the corporation has thirty-five or
fewer shareholders, if the holders of at least twenty percent (20%) of all votes
entitled to be cast on any issue proposed to be considered at the meeting sign,
date and deliver to the corporation's Secretary one or more written demands for
such a meeting describing the purpose or purposes for which the meeting is to be
held.

        5.  Action without Meeting. Action required or permitted to be taken by
the Virginia Stock Corporation Act (the "Act") at a shareholders' meeting may be
taken without a meeting and without action by the Board of Directors if the
action is taken by all the shareholders entitled to vote on the action. The
action shall be evidenced by one or more written consents describing the action
taken, signed by all the shareholders entitled to vote on the action and
delivered to the Secretary of the corporation for inclusion in the minutes or
filing with the corporate records. Any action taken by unanimous written consent
shall be effective according to its terms when all consents are in possession of
the corporation. A shareholder may withdraw his consent only by delivering a
written notice of withdrawal to the corporation prior to the time that all
consents are in the possession of the corporation. Action taken under this
Section 5 of these bylaws is effective as of the date specified in the consent
provided the consent states the date of execution by each shareholder. A consent
signed under this Section 5 of these bylaws has the effect of a unanimous vote
of voting shareholders and may be described as such in any document filed with
the Virginia State Corporation Commission under the Act.

        If the Act or these bylaws requires notice of proposed action to be
given to nonvoting shareholders, if any, and the action is to be taken by
unanimous consent of the voting shareholders written notice of the proposed
action at least ten (10) days before the action is taken.


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The notice shall contain or be accompanied by the same material that would have
been required to be sent to nonvoting shareholders in a notice of meeting at
which the proposed action would have been submitted to the shareholders for
action.

        6.  Notice of Meeting. The corporation shall notify shareholders of the
date, time and place of each annual and special shareholders' meeting. Such
notice shall be given no less than ten (10) nor more than sixty (60) days before
the meeting date except that notice of a shareholders' meeting to act on an
amendment of the Articles of Incorporation, a plan of merger or share exchange,
a proposed sale of all or substantially all of the assets of the corporation,
otherwise than in the usual and regular course of business, or the dissolution
of the corporation shall be given not less than twenty-five (25) nor more than
sixty (60) days before the meeting date, which notice shall be accompanied by a
copy of the proposed amendment, plan of merger, share exchange or dissolution
or agreement pursuant to which the proposed sale will be effected. Unless the
Act or the Articles of Incorporation require otherwise, the corporation is
required to give notice only to shareholders entitled to vote at the meeting and
notice of an annual meeting need not state the purpose or purposes for which the
meeting is called. Notice of a special meeting, however, shall state the purpose
or purposes for which the meeting is called.

        If an annual or special meeting is adjourned to a different date, time
or place, notice need not be given if the new date, time or place is announced
at the meeting before adjournment. If a new record date for the adjourned
meeting is or shall be fixed under Section 8 of these bylaws, however, notice of
the adjourned meeting shall be given under this Section 6 of these bylaws to
persons who are shareholders as of the new record date.

        Notwithstanding the foregoing, no notice of a shareholders' meeting need
be given to a shareholder if (i) an annual report and proxy statements for two
(2) consecutive annual meetings of shareholders or (ii) all, and at least two
(2), checks in payment of dividends or interest on securities during a twelve
(12) month period, have been sent by first-class United States mail, addressed
to the shareholder at his address as it appears on the stock transfer books of
the corporation, and were returned undeliverable. The obligation of the
corporation to give notice of shareholders' meetings to any such shareholder
shall be reinstated once the corporation shall have received a new address for
such shareholder for entry on its stock transfer books.

        7.  Waiver of Notice. A shareholder may waive any notice required by the
Act, the Articles of Incorporation or these bylaws before or after the date and
time of the meeting that is the subject of such notice. The waiver shall be in
writing, be signed by the Shareholder entitled to the notice and be delivered to
the Secretary of the corporation for inclusion in the minutes or filing with the
corporate records.

        A shareholder's attendance at a meeting:

        (1) waives objection to lack of notice or defective notice of the
meeting, unless the shareholder at the beginning of the meeting objects to
holding the meeting or transacting business at the meeting; and

        (2) waives objection to consideration of a particular matter at the
meeting that is not within the purpose or purposes described in the meeting
notice, unless the shareholder objects to considering the matter when it is
presented.

        8. Determination of Shareholders of Record. The Board of Directors may
fix in advance the record date in order to make a determination of shareholders
entitled to notice of, or to vote at, any meeting of the shareholders or any
adjournment thereof, to receive payment of any

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dividend or distribution, to demand a special meeting, to take action without a
meeting or to make a determination of shareholders for any other proper purpose.
A record date fixed under this Section 8 of these bylaws may not be more than
seventy (70) days before the meeting or action requiring a determination of
shareholders. If not otherwise fixed by the Board of Directors, the record date
for determining shareholders entitled to (i) notice of and to vote at a
shareholders' meeting is the close of business on the day before the effective
date of the notice to shareholders, (ii) receive payment of any dividend or
distribution, other than a distribution involving a repurchase or acquisition of
shares by the corporation, is the date the Board of Directors authorizes the
dividend or distribution, (iii) demand a special meeting is the date the first
shareholder signs the demand and (iv) take action without a meeting is the date
the first shareholder signs the consent. A determination of shareholders
entitled to notice of, or to vote at, a shareholders' meeting is effective for
any adjournment of the meeting unless the Board of Directors fixes a new record
date, which it shall do if the meeting is adjourned to a date more than one
hundred twenty (120) days after the date fixed for the original meeting.

        9. Shareholders' List for Meeting. The officer or agent having charge of
the stock transfer books of the corporation shall make, at least ten (10) days
before each meeting of shareholders, a complete list of the shareholders
entitled to vote at such meeting or any adjournment thereof, with the address of
and the number of shares held by each. The list shall be arranged by voting
group and within that voting group, if more than one, by class or series of
shares.

        For a period of ten (10) days prior to the meeting, the list of
shareholders shall be kept on file at the registered office if the corporation
or at its principal office or at the office of its transfer agent or registrar
and shall be subject to inspection by any shareholder at any time during usual
business hours. Such list shall also be produced and kept open at the time and
place of the meeting and shall be subject to the inspection of any shareholder
during the whole time of the meeting for the purposes thereof. The original
share transfer books shall be proma facie evidence as to who are the
shareholders entitled to examine such list or transfer books or to vote at any
meeting of shareholders. The right of the holder of shares of the corporation
whose securities are registered under the Securities Exchange Act of 1934, as
amended, to inspect such list prior to a meeting of shareholders shall be
subject to the limitations set forth in Section 13.1-771.C. of the Code of
Virginia of 1950, as amended (the "Code"), and Section 51 of these bylaws.

        If the requirements of this Section 9 of these bylaws have not been
substantially complied with, the meeting shall, on the demand of any shareholder
in person or by proxy, be adjourned until the requirements are met. Refusal or
failure to prepare or make available the shareholders' list does not affect the
validity of nay action taken at the meeting prior to the making of any such
demand, but any action taken by the shareholders after the making of any such
demand shall be invalid and without effect.


        10. Voting Entitlement of Shares. Except as otherwise provided in this
Section 10 of these bylaws with respect to the election of directors and in
Section 13.1-662 of the Code or in the Articles of Incorporation, each
outstanding share, regardless of class, is entitled to one vote on each matter
voted on at a shareholders' meeting. Unless the Articles of Incorporation
provide otherwise, in the election of directors each outstanding share,
regardless of class, is entitled to one vote for as many persons as there are
directors to be elected at that time and for whose election the shareholder has
a right to vote. No cumulative voting shall be permitted.

        11. Proxies. A shareholder may vote his shares in person or by proxy. A
shareholder may appoint a proxy to vote or otherwise act for him by signing an
appointment form, either personally or by his attorney-in-fact. An appointment
of a proxy is effective when received by

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the Secretary or other officer or agent authorized to tabulate votes. An
appointment is valid for eleven (11) months unless a longer period is expressly
provided in the appointment form. An appointment of a proxy is revocable by the
shareholder unless the appointment is coupled with an interest. An appointment
made irrevocable by being coupled with an interest is revoked when such interest
is extinguished. The death or incapacity of the shareholder appointing a proxy
does not affect the right of the corporation to accept the proxy's authority
unless notice of the death or incapacity is received by the Secretary or other
officers or agent authorized to tabulate votes before the proxy exercises his
authority under the appointment. A transferee for value of shares subject to an
irrevocable appointment may revoke the appointment if he did know of its
existence when he acquired the shares and the existence of the irrevocable
appointment was not noted conspicuously on the certificate representing the
shares.

        12. Corporation's Acceptance of Votes. If the name signed on a vote,
consent, waiver or proxy appointment corresponds to the name of a shareholder,
the corporation, if acting in good faith, is entitled to accept the vote,
consent, waiver or proxy appointment and give it effect as the act of the
shareholder.

        If the name signed on a vote, consent, waiver or proxy appointment does
not correspond to the name of its shareholder, the corporation, if acting in
good faith, is nevertheless entitled to accept the vote, consent, waiver or
proxy appointment and give it effect as the act of the shareholder in accordance
with Section 13.1-665 of the Code.

        The corporation is entitled to reject a vote, consent, waiver or proxy
appointment if the Secretary or other officer or agent authorized to tabulate
votes, acting in good faith, has reasonable basis for doubt about the validity
of the signature on it or about the signatory's authority to sign for the
shareholder.

        Section 13.1-665 of the Code, as may be in effect from time to time,
shall apply with respect to any matters not specifically set forth in this
Section 12.

        13. Quorum and Voting Requirements for Voting Groups. Shares entitled to
vote as a separate voting group, in the case of multiple voting groups, may take
action on a matter at a meeting only if a quorum of those shares exists with
respect to that matter. Unless the Articles of Incorporation or the Act provides
otherwise, a majority of the votes entitled to be cast on the matter by the
voting group constitutes a quorum for action on that matter. Less than a quorum
may adjourn a meeting.

        Once a share is represented for any purpose at a meeting, it is deemed
present for quorum purposes for the remainder of the meeting and for any
adjournment of that meeting unless a new record date is or shall be set for that
adjournment meeting.

        If a quorum exists, action on a matter, other than the election of
directors, is approved if the votes cast favoring the action exceed the votes
cast opposing the action, unless the Articles of Incorporation or the Act
requires a greater number of affirmative votes. Unless otherwise provided in the
Articles of Incorporation, directors shall be elected by a plurality of the
votes cast by the shares entitled to vote in the election at a meeting at which
a quorum is present.

        14. Action by Single and Multiple Voting Groups. If the Articles of
Incorporation or the Act provides for voting by a single voting group on a
matter, action on that matter is taken when voted upon by that voting group as
provided in Section 13 of these bylaws.

<PAGE>


        If the Articles of Incorporation or the Act provides for voting by two
(2) or more voting groups on a matter, action on that matter is taken only when
voted upon by each of those voting groups counted separately as provided in
Section 13 of these bylaws. Action may be taken by one (1) voting group on a
matter even though no action is taken by another voting group entitled to vote
on the matter.

                                  ARTICLE III
                                   DIRECTORS

        15. Number and Election. The Board of Directors shall consist of a
minimum of one (1) and  maximum of five (5) persons, and, except for the
initial directors who will have been named in the Articles of Incorporation or
elected at the organizational meeting of directors or incorporators, shall be
elected at each annual meeting of the shareholders, unless the directors' terms
are staggered, or at any special meeting of the shareholders called for such
purpose. The number of directors may be increased or decreased from time to time
by amendment to these bylaws, unless the Articles of Incorporation provide that
a change in the number of directors shall be made only by amendment of the
Articles of Incorporation.

        The shareholders may adopt a bylaw fixing the number of directors and
may direct that such bylaws not be amended by the Board of Directors. If a bylaw
states a fixed number of directors and the Board of Directors has the right to
amend the bylaw, it may by amendment to the bylaw increase or decreased by
thirty percent (30%) or less the number of directors last elected by the
shareholders, but only the shareholders may increase or decrease the number by
more than thirty percent (30%).

        No individual shall be named or elected as a director without his prior
consent.

        16. Election of Directors by Certain Classes of Shareholders. If the
Articles of Incorporation authorize dividing the stock into classes, the
Articles of Incorporation may also authorize the election of all or a specified
number of directors by the holders of one (1) or more authorized classes of
stock. Each class, or classes, of stock entitled to elect one (1) or more
directors is a separate voting group for purposes of election of directors.

        17. Terms of Office. The terms of the initial directors of the
corporation expire at the first shareholders' meeting at which directors are
elected. The  terms of all other directors expire at the next annual
shareholders' meeting following their election. A decrease in the number of
directors does not shorten an incumbent director's term. The term of a director
elected by the Board of Directors to fill a vacancy expires at the next
shareholders' meeting at which directors are elected. Despite the expiration of
a director's term, he continues to serve until his successor is elected and
qualifies or until there is a decrease in the number of directors.

        18. Resignation. A director may resign at any time by delivering written
notice to the Board of Directors, the President or the Secretary. A resignation
is effective when the notice is delivered, unless the notice specifies a later
effective date. If a resignation is made effective at a later date, the Board of
Directors may fill the pending vacancy before the effective date, provided,
however, the successor may not take office until the effective date.

        19. Removal. The shareholders may remove one (1) or more directors with
or without cause, unless the Articles of Incorporation provide that directors
may be removed only with cause. If a director is elected by a voting group of
shareholders, only the shareholders of that voting group may participate in the
vote to remove him. Unless the Articles of Incorporation

<PAGE>

require a greater vote, a director may be removed if the number of votes cast to
remove him constitutes a majority of the votes entitled to be cast at an
election of directors of the voting group or voting groups by which such
director was elected. A director may be removed by the shareholders only at a
meeting called for the purpose of removing him and the meeting notice must state
that the purpose, or one of the purposes, of the meeting is removal of the
director.

        20. Vacancy. Unless the Articles of Incorporation provide otherwise, if
a vacancy occurs on the Board of Directors, including a vacancy resulting from
an increase in the number of directors:

                (1) the shareholders may fill the vacancy;

                (2) the Board of Directors may fill the vacancy; or

                (3) if the directors remaining in office constitute fewer than a
quorum of the Board, they may fill the vacancy by the affirmative vote of a
majority of directors remaining in office.

        Unless the Articles of Incorporation provide otherwise, if the vacant
office was held by a director elected by a voting group of shareholders, only
the holders of that voting group are entitled to fill the vacancy if it is to be
filled by the shareholders.

        A vacancy that will occur at a specific later date, by reason of a
resignation effective at a later date under Section 18 of these bylaws or
otherwise, may be filled before the vacancy occurs but the new director may not
take office until the vacancy occurs.

        A vacancy shall be deemed to exist whenever the number of directors then
in office is less than the maximum number permitted under these bylaws.

        21. Compensation. Directors shall not receive a stated salary for their
services, but directors may be paid a fixed sum and expenses for attendance at
any regular or special meeting of the Board of Directors or any meeting of any
committee. A director may serve or be employed by the corporation in any other
capacity and receive compensation therefor.

        22. Meetings. Regular meetings of the Board of Directors may be held
without notice at such time and place, in or out of the Commonwealth of
Virginia, as the Board of Directors may designate from time to time. A regular
meeting of the Board of Directors shall be held immediately after the annual
meeting of the shareholders. Unless changed, that regular meeting shall be held
in Mechanicsville, Virginia. Special meetings may be called by the Board of
Directors, the President or the Secretary by giving reasonable notice of the
time and place thereof.

        Unless the Articles of Incorporation provide otherwise, the Board of
Directors may permit any or all directors to participate on a regular or special
meeting by, or conduct the meeting through the use of, any means of
communication by which all directors participating may simultaneously hear each
other during the meeting. A director participating in a meeting by this means is
deemed to be present in person at the meeting.

        23. Action Without Meeting. Unless the Articles of Incorporation provide
otherwise, action required or permitted by the Act to be taken at a Board of
Directors meeting may be taken without a meeting if the action is taken by all
members of the Board. The action shall be evidenced by one or more written
consents stating the action taken, signed by each

<PAGE>

director either before or after the action taken, and included in the minutes or
filed with the corporate records reflecting the action taken.

        Action taken under this Section 23 of these bylaws is effective when the
last director signs the consent unless the consent specifies a different
effective date, in which event the action taken is effective as of the date
specified therein, provided the consent states the date of execution by each
director. A consent signed under this Section 23 of these bylaws has the effect
of a meeting vote and may be described as such in any document.

        24. Notice of Meetings. Unless the Articles of Incorporation provide
otherwise, regular meetings of the Board of Directors may be held without notice
of the date, time, place or purpose of the meeting. Special meetings of the
Board of Directors may be called by resolution of the Board of Directors or any
officer or director by giving reasonable notice of the time and place thereof.
The notice need not describe the purpose of the special meeting.

        25. Waiver of Notice. A director may waive any notice required by the
Act, the Articles of Incorporation or these bylaws before or after the date and
time stated in the notice, and such waiver shall be equivalent to such notice
having been given. Except as provided in the following paragraph, the waiver
shall be in writing, signed by the director entitled to the notice and filed
with the minutes or corporate records.

        A director's attendance at or participation in a meeting waives any
required notice to him of the meeting unless the director at the beginning of
the meeting or promptly upon his arrival objects to holding the meeting or
transacting business at the meeting and does not thereafter vote for or assent
to action taken at the meeting.

        26. Quorum and Voting. Unless the Articles of Incorporation require a
greater number for the transaction of all business or any particular business, a
quorum of the Board of Directors consists of:

                (1) a majority of the fixed number of directors if the
corporation has a fixed board size; or

                (2) a majority of the number of directors prescribed, or if no
number is prescribed the number in office immediately before the meeting begins,
if the corporation has a variable-range sized board.

        If a quorum is present when a vote is taken, the affirmative vote of a
majority of directors present is the act of the Board of Directors unless the
Articles of Incorporation require the vote of a greater number. A director who
is present at a meeting of the Board of Directors or a committee of the Board of
Directors when corporate action is taken is deemed to have assented to the
action taken unless:

                (1) he objects at the beginning of the meeting, or promptly upon
his arrival, to holding it or transacting specified business at the meeting; or

                (2) he votes against, or abstains from, the action taken.

        Whenever the Act requires the Board of Directors to recommend or approve
any proposed corporate act, such recommendation or approval shall not be
required if the proposed corporate act is adopted by the unanimous consent of
shareholders.

<PAGE>

        27. Committees. Unless the Articles of Incorporation provide otherwise,
the Board of Directors may create one or more committees, including an Executive
Committee, and appoint members of the Board of Directors to serve on them. Each
committee may have two or more members, who serve at the pleasure of the Board
of Directors. The creation of a committee and appointment of members to it shall
be approved by the greater number of (i) a majority of all the directors in
office when the action is taken or (ii) the number of directors required by the
Articles of Incorporation or these bylaws to take action under Section 26 of
these bylaws. Sections 22 through 26 of these bylaws, which govern meetings,
action without meetings, notice and waiver of notice and quorum and voting
requirements of the Board of Directors, apply to committees and their members as
well.

        To the extent specified by the Board of Directors or in the Articles of
Incorporation or these bylaws, each committee may exercise all of the authority
permitted to be exercised by the board of Directors, except that a committee may
not:

                (1) approve or recommend to shareholders action that is required
to be approved by shareholders;

                (2) fill vacancies on the Board or on any of its committees;

                (3) amend Articles of Incorporation pursuant to Section 13.1-706
of the Code;

                (4) adopt, amend or repeal the bylaws;

                (5) approve a plan of merger not requiring shareholder approval;

                (6) authorized or approve a distribution, except according to a
general formula or method prescribed by the Board of Directors; or

                (7) authorized or approve the issuance or sale or contract for
sale of shares, or determine the designation and relative rights, preferences
and limitations of a class or series of shares, except that the Board of
Directors may authorize a committee, or a senior executive officer of the
corporation, to do so within limits specifically prescribed by the Board of
Directors.

        The creation of, delegation of authority to, or action by a committee
does not alone constitute by a director with the standards of conduct described
in Section 13.1-690 of the Code and Section 28 of these bylaws.

        28. General Standards of Conduct. A director shall discharge his duties
as a director, including his duties as a member of a committee, in accordance
with his good faith business judgment of the best interests of the corporation.
A director shall not be liable for any action taken as a director, or any
failure to take any action, if he performs the duties of his office in
compliance with Section 13.1-690 of the Code.

        29. Director Conflict of Interests. A conflict of interests transaction
is a transaction with the corporation in which a director or the corporation has
a direct or indirect personal interest. A conflict of interests transaction
shall not be voidable by the corporation solely because of the director's
interest in the transaction if any one of the following is true in accordance
with Section 13.1-691 of the Code:

<PAGE>

                (1) the material facts of the transaction and the director's
interest were disclosed or known to the Board of Directors or a committee of the
Board of Directors and the Board of Directors or committee authorized, approved
or ratified the transaction;

                (2) the material facts of the transaction and the director's
interest were disclosed to the shareholders entitled to vote and they
authorized, approved or ratified the transaction; or

                (3) the transaction was fair to the corporation.


                                   ARTICLE IV
                                    OFFICERS

        30. Officers. As a minimum, the officers of the corporation shall be a
President and a Secretary, each of whom shall be appointed by the Board of
Directors at its regular meeting following the annual meeting of the
shareholders. The Board of Directors may appoint such other officers and
assistant officers and fill any vacancy at any regular or special meeting of the
Board of Directors. A duly appointed officer may appoint one or more officers or
assistant officers as may be authorized by these bylaws or the Board of
Directors. The same individual may simultaneously hold more than one office.
Each officer shall be appointed to hold office until the next succeeding
regular meeting of the Board of Directors following the annual meeting of the
shareholders, or for such longer or shorter terms as the Board of Directors may
specify, and until his successor shall have been elected or such earlier time as
he shall resign, die or be removed. Each officer shall have the authority and
perform the duties set forth in these bylaws or, to the extent consistent with
these bylaws, the duties prescribed by the Board of Directors or by direction of
an officer authorized by the Board of Directors to prescribe the duties of other
officers.

        31. President. The President shall preside at all meetings of the Board
of Directors and shareholders, shall have power to call special meetings of the
shareholders and directors for any purpose; may hire, appoint and discharge,
subject to the approval of the Board of Directors, employees and agents of the
corporation and fix their compensation; may make and sign deeds, leases,
contracts and agreements in the name and  on behalf of the corporation; shall
have power to carry into effect all directions of the Board of Directors; and
shall have general supervision of the business of the corporation, except as may
be limited by the Board of Directors, the Articles of Incorporation or these
bylaws.

        32. Secretary. The Secretary shall be the ex-officio clerk of the Board
of Directors, shall have the power to call special meetings of the shareholders
and directors for any purpose and shall give, or cause to be given, notices of
all meetings of shareholders and directors, and all other notices required by
these bylaws or by law. The Secretary shall record the proceedings of the
meetings of the shareholders and directors in a book kept for that purpose and
shall keep the seal of the corporation and attach it to all documents requiring
such impression unless some other officer is designated to do so by the Board of
Directors. The Secretary shall have responsibility for authenticating records of
the corporation and shall perform such other duties as may be assigned from time
to time by the Board of Directors.

        33. Vice President. There may be one or more Vice Presidents who shall
exercise all of the functions of the President during the absence or incapacity
of the latter and such other duties as may be assigned from time to time by the
Board of Directors.


<PAGE>

        34. Treasurer. There may be a Treasurer who shall keep or cause to be
kept full and accurate books of account, render a financial statement showing
all transactions of the Treasurer and the financial condition of the corporation
as may be required by the Board of Directors or the President and perform such
other duties as may be assigned from time to time by the Board of Directors.

        35. Assistant Secretary. There may be one or more Assistant Secretaries
who shall exercise all of the functions of the Secretary during the absence or
incapacity of the latter and such other duties as may be assigned from time to
time by the Board of Directors.

        36. Other Officers. There may be one or more Assistant Vice Presidents
or Assistant Treasurers and other officers and assistant officers who shall
perform such duties as may be assigned from time to time by the Board of
Directors.

        37. Salaries. The salaries of all officers and agents of the corporation
shall be fixed by the Board of Directors unless otherwise delegated to the
President by the Board of Directors.

        38. Resignation and Removal. An officer may resign at any time by
delivering notice to the corporation. A resignation is effective when the notice
is delivered unless the notice specifies a later effective date. If a
resignation is made effective at a later date and the corporation accepts the
future effective date, it may fill the pending vacancy before the effective date
if the successor does not take office until the effective date. The Board of
Directors may remove any officer at any time with or without cause and any
officer or assistant officer, if appointed by another officer, may likewise be
removed by such officer.



                                   ARTICLE V
               INDEMNIFICATION OF DIRECTORS, OFFICERS AND OTHERS

        39. Indemnification. The corporation shall indemnify an individual who
entirely prevails in the defense of any proceeding to which he was a party
because he is or was director of the corporation against reasonable expenses
incurred by him in connection with the proceeding. The corporation shall also
indemnify an individual made a party to a proceeding because he is or was a
director against liability incurred in the proceeding if:

                (1) he conducted himself in good faith; and

                (2) he believed;

                        (a) in the case of conduct in his official capacity with
                the corporation, that his conduct was in its best interest; and

                        (b) in all other cases, that his conduct was at least
                not opposed to its best interests; and

                (3) in the case of any criminal proceeding, he had no reasonable
        cause to believe his conduct was unlawful.

        A director's conduct with respect to an employee benefit plan for a
purpose he believed to be in the interests of the participants in and
beneficiaries of the plan is conduct that satisfies the requirement that his
conduct was at least not opposed to the best interests of the corporation.

<PAGE>

                                       10

        The termination of a proceeding by judgement, order, settlement or
conviction is not, of itself, determinative that the director did not meet the
standard of conduct described in this Section 39 of these bylaws.

        Notwithstanding the foregoing, the corporation shall not indemnify a
director under this Section 39 of these bylaws:

                (1) in connection with a proceeding by or in the right of the
corporation in which the director is adjudged liable to the corporation; or

                (2) in connection with any other proceeding charging improper
personal benefit to him, whether or not involving action in his official
capacity, in which he is adjudged liable on the basis that personal benefit was
improperly received by him.

        Indemnification granted under this Section 39 of these bylaws in
connection with a proceeding by or in the right of the corporation is limited to
reasonable expenses incurred in connection with the proceeding. The definitions
as set forth in Section 13.1-696 of the Code, as in effect from time to time,
shall apply with respect to Sections 39 through 44 of these bylaws.

        40.     Advance for Expenses. The corporation shall pay for or reimburse
the reasonable expenses incurred by a director who is a party to a proceeding in
advance of final disposition of the proceeding if:

                (1) the director furnishes the corporation a written statement
of his good faith belief that he has met the standard of conduct described in
Section 39 of these bylaws;

                (2) the director furnishes the corporation a written
undertaking, executed personally or on his behalf, to repay the advance if it is
ultimately determined that he did not meet the standard of conduct (which
undertaking shall be an unlimited general obligation of the director but need
not be secured and may be accepted without reference to financial ability to
make repayment); and

                (3) a determination is made that the facts then known to those
making the determination would not preclude indemnification under Article 10 of
the Act or this Article V of these bylaws.

        41.     Determination and Authorization of Indemnification. The
corporation shall not indemnify a director under this Article V of these bylaws
unless authorized in the specific case after a determination has been made that
indemnification of the director is required under this Article V of these bylaws
because he has met the standard of conduct set forth hereunder. The
determination shall be made:

                (1) by the Board of Directors by a majority vote of a quorum
consisting of directors not at the time parties to the proceeding;

                (2) if such a quorum cannot be obtained, by majority vote of a
committee duly designated by the Board of Directors (in which directors who are
parties may participate in such designation), consisting solely of two or more
directors not at the time parties to the proceeding:

                (3) by special legal counsel:

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                        (a) selected by the Board of Directors of its committee
in the manner prescribed in subsection (1) or (2) above;

                        (b) if such a quorum of the Board of Directors cannot be
obtained; and such a committee cannot be designated, selected by a majority vote
of the full Board of Directors, in which directors who are parties may
participate in such selection; or

                (4) by the shareholders, but shares owned by or voted under the
control of directors who are at the time parties to the proceeding may not be
voted on the determination.

        Authorization of indemnification and evaluation as to reasonableness of
expenses shall be made in the same manner as the determination that
indemnification is permissible, except that if the determination is made by
special legal counsel, authorization of indemnification and evaluation as to
reasonableness of expenses shall be made by those entitled under subsection (3)
of this Section 41 to select counsel.

        42.     Indemnification of Officers, Employees, Agents and Others.
Unless limited by the Articles of Incorporation, each officer, employee and
agent of the corporation shall be entitled to indemnification and advance
expenses to the same extent as to a director.

        43.     Insurance. The corporation may purchase and maintain insurance
on behalf of an individual who is or was a director, officer, employee or agent
of the corporation, or who, while a director, officer, employee or agent of the
corporation, is or was serving at the request of the corporation as a director,
officer, partner, trustee, employee or agent of another foreign or domestic
corporation, partnership, joint venture, trust, employee benefit plan or other
enterprise, against liability asserted against or incurred by him in that
capacity or arising from his status as a director, officer, employee or agent,
whether or not the corporation would have power to indemnify him against the
same liability under Section 39 of these bylaws.

        44.     Application. The corporation shall have power to make any
further indemnity, including advance of expenses, to any director, officer,
employee or agent that may be authorized by the Articles of Incorporation or any
bylaw made by the shareholders or any resolution adopted, before or after the
event, by the shareholders, except an indemnity against his gross negligence or
willful misconduct. Unless the Articles of Incorporation or any such bylaw or
resolution provide otherwise, any determination as to any further indemnity
shall be made in accordance with Section 41 of these bylaws. Each such indemnity
may continue as to a person who has ceased to have the capacity referred to
above and may inure to the benefit of the heirs, executors and administrators of
such a person.

                                   ARTICLE VI
                             CERTIFICATES OF STOCK

        45.     Form and Content. Each stock certificate shall state on its face
the name of the corporation and that it is organized under the law of
Commonwealth of Virginia, the name of the person to whom issued and the number
and class of stock and the designation of the series, if any, the certificate
represents. If the corporation is authorized to issue different classes of stock
or different series within a class, the designations, relative rights,
preferences and limitations applicable to each class and the variations in
rights, preferences and limitations determined for each series (and the
authority of the Board of Directors to determine variations for future series)
shall be summarized on the front or back of each certificate for stock of such
class or series. Alternatively, each certificate may state conspicuously on its
front or back that the corporation

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will furnish the shareholder this information on request in writing and without
charge. Each stock certificate shall be signed by the President and the
Secretary or an Assistant Secretary and shall bear the corporate seal or its
facsimile. The signatures of the officers upon a certificate may be facsimiles
if the certificate is countersigned by a transfer agent, or registered by a
registrar, other than the corporation or an employee of the corporation.

        46.     Fractional Shares. The corporation may, if authorized by the
Board of Directors, issue fractions of a share or pay in money the value of
fractions of shares, arrange for disposition of fractional shares by the
shareholders or issue scrip in registered or bearer form entitling the holder to
receive a full share upon surrendering enough scrip to equal a full share. Each
certificate representing scrip shall be conspicuously labeled "Scrip" and shall
contain the information required by Section 45 of these bylaws. The holder of a
fractional share is entitled to exercise the rights of a shareholder, including
the right to vote, to receive dividends and to participate in the assets of the
corporation upon dissolution. The holder of scrip is not entitled to any of
these rights unless the scrip provides for them.

        The Board of Directors may authorize the issuance of scrip subject to
any condition considered desirable by it, including that the scrip will become
void if not exchanged for full shares before a specified date and that the
shares for which the scrip is exchangeable may be sold by the corporation and
the proceeds paid to the scrip holders.

        When the corporation is to pay in money the value of fractions of a
share, such value shall be determined by the Board of Directors. A good faith
judgment of the Board of Directors as to the value of a fractional share is
conclusive.

        47.     Lost Certificates. The Board of Directors may direct new
certificates to be issued in place of any lost or destroyed certificate or
certificates previously issued by the corporation if the person or persons who
claim the certificate or certificates make an affidavit stating that the
certificates of stock have been lost or destroyed. When authorizing the issuance
of a new certificate or certificates, the Board of Directors may, in its
discretion and as a condition precedent to the issuance thereof, require the
owner of such lost or destroyed certificates, or the legal representative, to
advertise the same in such manner as the Board of Directors shall require and/or
to give the corporation a bond or other form of indemnification, in such sum,
and with or without surety, as the Board of Directors may direct, to indemnify
the corporation against any claim that may be made against the corporation with
respect to the certificate or certificates alleged to have been lost or
destroyed.

        48.     Transfer of Stock. Upon surrender to the corporation, or to the
transfer agent of the corporation, if any, of a certificate for shares duly
endorsed or accompanied by proper evidence of succession, assignment or
authority to transfer, the corporation shall issue a new certificate to the
person entitled thereto, cancel the old certificate, and record the transaction
upon its books.

        49.     Registered Shareholders. The corporation shall be entitled to
treat the holder of record of any share or shares of stock as the owner thereof
and, accordingly, shall not be bound to recognize any equitable or other claim
to or interest in such share or shares on the part of any other person. The
corporation shall not be liable for registering any transfer of shares which are
registered in the name of a fiduciary unless done with actual knowledge that the
fiduciary is committing a breach of obligation as fiduciary in making the
transfer, or unless done with actual knowledge of such facts that the
corporation's action in registering the transfer amounts to bad faith.

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                                  ARTICLE VII
                              RECORDS AND REPORTS

        50.     Corporate Records. The corporation shall keep as permanent
records its Articles of Incorporation or restated Articles of Incorporation and
all amendments thereto and bylaws or restated bylaws and all amendments thereto
currently in effect, all written communications to shareholders generally,
annual reports filed with the Virginia State Corporation Commission, minutes of
all meetings of its shareholders and Board of Directors, a record of all actions
taken by the shareholders of Board of Directors without a meeting and a record
of all actions taken by a committee of the Board of Directors in place of the
Board of Directors on behalf of the corporation. The corporation shall maintain
appropriate accounting records. The corporation or its agent shall maintain the
names and business addresses of its officers and directors and a record of its
shareholders, in a form that permits preparation of a list of the names and
addresses of all shareholders, in alphabetical order by class and series, if
any, of shares showing the number and class and series, if any, of shares held
by each. The corporation shall maintain its records in written form or in
another form capable of conversion into written form within a reasonable time.

        51.     Inspection of Records by Shareholders. Subject to Section
13.1-772.C. of the Code, a shareholder of the corporation or his agent or
attorney is entitled to inspect and copy (at his expense), during regular
business hours at the corporation's principal office, any of the records of the
corporation described in Section 13.1-770.E. of the Code if he gives the
corporation written notice of his demand at least five (5) business days before
the date on which he wishes to inspect and copy.

        A shareholder of the corporation or his agent or attorney is entitled to
inspect and copy (at his expense), during regular business hours at a reasonable
location specified by the corporation, any of the records of the corporation
described in Section 13.1-771.B. of the Code if the shareholder meets the
requirements set forth in Section 13.1-771.C. of the Code and gives the
corporation written notice of his demand at least five (5) business days before
the date on which he wishes to inspect and copy such records.

        52.     Financial Statements for Shareholders. If requested in writing
by any shareholder, the corporation shall furnish the shareholder with the
financial statements for the most recent fiscal year, which may be consolidated
or combined statements of the corporation and one or more of its subsidiaries,
as appropriate, that include a balance sheet as of the end of the fiscal year,
an income statement for that year and a statement of changes in shareholders'
equity for the year unless that information appears elsewhere in the financial
statements. If financial statements are prepared for the corporation on the
basis of generally accepted accounting principles, the annual financial
statements must also be prepared on that basis.

        If the annual financial statements are reported upon by a public
accountant, his report must accompany them. If the annual financial statements
are not reported upon by a public accountant, the President or the person
responsible for the corporation's accounting records shall provide the
shareholder with a statement of the basis of accounting used in preparation of
the annual financial statements and a description of any respects in which the
statements were not prepared on a basis of accounting consistent with the
statements prepared for the preceding year.

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                                  ARTICLE VIII
                                 MISCELLANEOUS

        53.     Registered Office and Agent. The corporation shall at all times
have a registered office and a registered agent.

        54.     Seal. The seal of the corporation shall be a flat faced circular
die containing the word "SEAL" in the center and the name of the corporation or
an appropriately abbreviated name around the circumference.

        55.     Amendment of Bylaws. The corporation's Board of Directors may
amend or repeal the corporation's bylaws except to the extent that:

                (1)     the Articles of Incorporation of the Act reserve this
power exclusively to the shareholders;

                (2)     the shareholders in adopting or amending particular
bylaws provide expressly that the Board of Directors may not amend or repeal
that bylaw;

                (3)     a corporation's shareholders may amend or repeal the
corporation's bylaws even though the bylaws also may be amended or repealed by
its Board of Directors.

        56.     General. Any matters not specifically covered by these bylaws
shall be governed by the applicable provisions of the code in force at the time.

        The foregoing Bylaws for Lake Grove Centers, Inc., have been approved
and adopted pursuant to a Consent of Sole Director in Lieu of Organizational
Meeting dated November 13, 1997.


                                LAKE GROVE CENTER, INC.

                                /s/ Karen L. Everett
                                ----------------------------
                                Karen L. Everett, Secretary


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