private AcctsRecTransRec parseChangeTransaction() {

      String mastID;
      AcctsRecTransRec result;

      if (tokens.length > 1) {
         mastID = tokens[1];
         if (tokens.length != 3) {
            result = new AcctsRecIllFormedTransRec(mastID, line.getBytes());
         }
         else { 
            try {
               int balChange = Integer.parseInt(tokens[2]);
               result = new AcctsRecChangeTransRec(mastID, balChange); 
            }
            catch (Exception e) {
               result = new AcctsRecIllFormedTransRec(mastID, line.getBytes());
            }
         }
      }
      else {
         result = new AcctsRecIllFormedTransRec("", line.getBytes());
      }
      return result; 
   }