SUMMARY OF DIRECTORCOMPENSATION

Exhibit 10.15

SUMMARY OF DIRECTOR COMPENSATION

Directors who are also employees of the Company do not receive compensation for serving as directors. Non-employee directors receive an annual retainer in the amount of $20,000, and the Chairman of the Board receives an additional $20,000 annual retainer. Retainer fees are paid quarterly in arrears. Non-employee directors also receive cash compensation for full Board and committee meetings as follows:

				Per Meeting Fee
Board of Directors				$	1,500
Audit Committee					1,000
Compensation Committee					500
Investment Committee					500
Nominating and Corporate Governance Committee					500
Special Committees					500