EXHIBIT 10.15 Employment agreement: Joseph D. Livingston March 2, 1998 Terms of Agreement: TERM: 3 years TITLE: As agreed between J. Livingston & K. Tuchman COMPENSATION: Base: $380,000 (Annual review of 10% minimum, when President hired) Annual...

                                                                 EXHIBIT 10.15

Employment agreement:  Xxxxxx X. Xxxxxxxxxx

March 2, 1998

Terms of Agreement:

TERM:    3 years

TITLE:   As agreed between X. Xxxxxxxxxx & X. Xxxxxxx

COMPENSATION:

Base:    $380,000 (Annual review of 10% minimum, when President hired)

Annual Bonus:     $150,000

Stock:   180,000 shares @ $8.50 Vesting monthly; Immediate vesting if 
         sold/merged and/or acquired.

Life Insurance:  Additional 5 million dollars

Board:   Will be proposed as next internal, w/president

OTHER:   No "At-will Clause"
         Non-Compete Clause, 1 yr.
         Paid unused vacation annually (4 wks)
         Country Club Membership

All other terms of condition apply from previous employment Agreement.

Agreed:                                              Agreed:

/s/ Xxxxxxx X. Xxxxxxx                               /s/ Xxxxxx X. Xxxxxxxxxx

Xxxxxxx X. Xxxxxxx                                   Xxxxxx X. Xxxxxxxxxx
Chairman, President & CEO                            Executive VP & COO