Exhibit 10(v)
                                SUNGROUP, INC.
                            EMPLOYMENT  AGREEMENT
                               JAMES A. HOETGER

     THIS EMPLOYMENT AGREEMENT (the "Agreement") is made and entered into as
of the 9th day of September, 1997 by and between SunGroup, Inc., a Tennessee
Corporation (the "Company") and JAMES A. HOETGER (a/k/a  Jim Hoetger), a
resident of Sarasota, Florida (the "Employee").

                                  WITNESSETH

     WHEREAS, Company desires to engage Employee to be a key person in the
operation of the Company at it's corporate office: 2201 Cantu Court, Suite
102A, Sarasota, Florida 34232-6254.

     WHEREAS, Employee has made many important contributions to the Company
and to the industry as a whole; and

     WHEREAS, the parties hereto desire to set forth in this Agreement the
terms, duties and compensation of Employee for the services to be performed by
Employee pursuant to this Agreement.

     NOW, THEREFORE, for and in consideration of the premises, the mutual
covenants and agreements set forth herein, the parties hereto do hereby agree
as follows:

     1.     Employment and Term.  Company does hereby employ Employee and
            Employee does hereby agree to enter into the employment of Company
            for the compensation provided under the terms and conditions
            hereinafter set forth. The term of this Agreement shall commence
            on September 18, 1997 (the "Commencement Date") and shall continue
            for a term ending on the first to occur of the death of the
            Employee, or December 31, 1999, unless continued by written
            agreement of both parties or terminated as set forth herein.
            Company and Employee both concur that this contract should be
            extended by January 31, 2000, if both parties want to continue the
            employment relationship.  Employee should take the responsibility
            to initiate contract extension discussions in 1999.

     2.     Services.  Employee is engaged by the Company to perform as Vice
            President for the Company and the duties of Employee in such
            capacity shall include, without limitation, being the Chief
            Financial Officer of the Company (sometimes herein referred to as
            the "Services").

     3.     Compensation.  For the rendering of the Services, Company shall
            pay Employee as follows: see "Exhibit A", attached hereto and made
            part hereof this Employment Agreement.

     4.     Scope of Service and Supervision.  The Employee shall devote a
            substantial amount of time, attention and energies to the
            performance of the Services.  The performance of the Services
            shall be under the authority of the President of the Company or
            such other person(s) as the President of the Company shall
            designate to exercise supervisory control over Employee's
            performance of Services.  It is imperative that Employee deliver a
            commitment of extra hours and focused attention to the Company's
            needs.

     5.     Information Confidential.  Employee shall not divulge, disclose or
            communicate, either verbally or in writing, directly or
            indirectly, to any other person or persons, firm or corporation,
            and shall not  make use of, either directly or indirectly, the
            client lists, financial and cost information, brochures,
            contracts, and agreements, personnel information, special methods,
            general methods or other business secrets of Company, the same
            being deemed, as between the parties hereto, to be important,
            material and confidential and to affect the effective and
            successful conduct of the business of Company and its goodwill.
            Further, Employee shall not make known or divulge any information
            acquired from Company, either directly or indirectly, to any
            person or persons or firms or corporations in competition with or
            contemplated competition with Company.

     6.     Termination by Company for Cause or Due to Death or Disability.
            (a) If the Employee is unable to perform the Services, due to
            disability or otherwise, for a period of ten (10) consecutive
            days, or for fifteen (15) days in any period of twelve (12)
            consecutive months, or if the Employee violates any of his
            obligations herein, or if the Employee fails to perform Services
            in a prompt, workmanlike manner, then, in any such event, the
            employment thereunder may be terminated by the Company, at its
            option at any time by written notice to the Employee.  If the
            employment is terminated pursuant to this paragraph, such
            termination shall become effective on the date specified in the
            notice of termination.

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            (b) If termination pursuant to this paragraph is for any cause
                other than disability, thereafter the Employee shall be
                entitled to no further compensation or benefits from Company,
                and the Employee shall be entitled only to that amount of Base
                Salary which is due and payable for the period from the last
                payment of an installment to the date of termination.

            (c) If employment is terminated pursuant to this paragraph due to
                disability, or it terminated upon death of the Employee,
                thereafter Employee, his personal representatives, successors
                and assigns shall be entitled to any vested rights the
                Employee may have under any insurance or benefit plan from
                Company.

            (d) The Employee may, by written notice to the Secretary of
                Company, designated any persons to be the beneficiary or
                beneficiaries of all, or any portion, of the payments
                prescribed by this Agreement to be made by the Company after
                his death, and in the absence of any such designation, any
                such payments shall be made to his estate.

     7.     Assignment.  Neither the rights nor obligations under this
            Agreement may be assigned by any party, except that it shall be
            binding upon and inure to the benefit of any successor of the
            Company in the ownership or operation of the Company, whether by
            merger,  sale of assets, reorganization or otherwise.  Any new
            owner of the Company must accept and honor this Agreement and
            Employee agrees  that this Agreement is automatically assigned to
            any new owner of the Company without any consent or approval
            needed from Employee.

     8.     Notices.  Any notice expressly provided for under this Agreement
            shall be in writing, shall be given either manually or by mail,
            telegram, radiogram or cable, and shall be deemed sufficiently
            given when actually received by the party to be notified or when
            mailed, if mailed by certified or registered mail, postage
            prepaid, addressed to such party as his address set forth below.
            Either party may, by notice to the other party given in the manner
            provided for herein, change his address for receiving such
            notices.

                (a)     If to Company, to:

                        SUNGROUP, INC.
                        2201 Cantu Court, Suite 102 A
                        Sarasota, Florida  34232-6254
                        Attention:    John W. Biddinger, President
                (b)     If to the Employee, to:
                        JAMES A. HOETGER
                        8351 Eagle Crossing
                        Sarasota, Florida  34241

     9.     Governing Law.  This Agreement shall be executed, construed and
            performed in  accordance with the laws of the State of Florida.

     10.    Entire Agreement.  This Agreement constitutes the entire agreement
            between the parties in connection with the subject matter hereof
            and supersedes all prior and contemporaneous agreements and
            understandings in connection with such subject matter.  No
            covenant or condition not expressed in this Agreement shall affect
            or be effective to interpret, change or restrict this Agreement.
            No change, termination or attempted waiver of any of the
            provisions of this Agreement shall be binding unless in writing
            signed by the Employee and on behalf of the Company by an officer
            other than Employee, thereunto duly authorized by the Company's
            Board of Directors.  No modification, waiver, termination,
            rescission, discharge or cancellation of this Agreement and no
            waiver of any provision or default under this Agreement shall
            affect the right of any party to enforce any other provision or to
            exercise any right or remedy in the event of any other default.

     11.    Severability.  If any term or provision of this  Agreement, shall
            be invalid or  unenforceable to any extent or application, then
            the remainder of this Agreement shall be valid and enforceable to
            the fullest extent and the broadest application permitted by law.
            All of the terms and provisions of this Agreement shall survive
            the termination of the period that Employee is employed by the
            Employer, whether such termination is voluntary or involuntary, or
            initiated by Employee or the Employer.

     12.    Waiver of Breach.  The waiver by either party of any provision of
            this Agreement shall not operate or be construed as a waiver of
            any subsequent breach by the other party.

     13.    Headings.  The sections, subjects and headings in this Agreement
            are inserted for convenience only and shall not affect in any way
            the meaning or interpretation of this Agreement.

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     14.    Employee Advancement.  Employee and Company want to look forward
            to a long relationship and the building of a material appreciation
            for each other's contributions and plans.  Company advancement
            opportunities are based on superior performance and the Employee's
            record-to-date at the Company is favorable and positive.  Employee
            is encouraged to build upon this record. Employee will be measured
            by department leadership, overall Station performance and the
            individual contributions of Employee.

     15.    Counterparts.  This Agreement may be executed in multiple
            counterparts, none of which must be signed by all of the parties
            hereto, but all of which together shall constitute one document.

     IN WITNESS WHEREOF, the Employee has executed this Agreement, and the
Company has caused this Agreement to be executed on behalf of the Company by
its officer thereunto duly authorized all as of the date first above written.

SUNGROUP, INC.                  &     THE EMPLOYEE

By: /s/JOHN W. BIDDINGER, PRESIDENT   By: /s/ JAMES A. HOETGER, VICE PRESIDENT
                                              & CHIEF FINANCIAL OFFICER

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                                 "EXHIBIT A"


BASE SALARY:
       1998:          $75,000 per year
       1999:          $80,000 per year

INCENTIVE COMPENSATION:
Bonuses based on merit and performance.  Amounts to be determined by the
President of the Company.

BENEFITS:
Employee will be eligible to participate in Company insurance and other
benefit plans, as any other employee, as benefit plans may be offered.
Employee will be reimbursed for all reasonable and necessary business expenses
incurred on behalf of the Company.

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