Articles
        "Predicting Intraday Price Reversals," Co-authors: Frank J. Fabozzi (Yale
         University),Christopher K. Ma, William T. Chittenden (University of
         Colorado at Denver), The Journal of Portfolio Management, Vol. 21,
         No. 2, Winter 1995, pp. 42-53.

         "Over-Reactions in U.S. Agricultural Commodity Prices," Co-authors:
          Marcus T. Allen (Florida Atlantic University) and Christopher K. Ma,
          Journal of Agricultural Economics, Vol. 45, No. 2, May 1994, pp.
          240-251.

         "The Congressional Calendar and Stock Market Performance,"
          Co-authors: Reinhold P. Lamb (University of North Carolina at
          Charlotte), Christopher K. Ma (KCM Asset Management Group), and
          William F. Kennedy (University of North Carolina at Charlotte),
         Financial Services Review, Vol. 6 No. 1 pp. 19-25.

         "Another Look at Corporate Ownership in Japan," Co-author: Richard L.
          Constand (University of Hawaii), Global Finance Journal, forthcoming
          (scheduled for Vol. 9 No. 2).

         "Why Rock the Boat:  The Case of Voluntary Liquidation," Co-authors:
           Christopher K. Ma (KCM Asset Management Group and Stetson
           University) and William Dukes (Texas Tech University), The Journal of
           Investing, Vol. 6 No. 2, summer 1997, pp. 71-77.

         "Understanding Distressed Exchange Offers," Co-authors: Christopher
           K. Ma and Wenchi Kao (Depaul University), The Journal of Investing,
           forthcoming.

         "Limitations on the Business of Banking," Co-author:  William A.
          Christiansen (Florida State University), Journal of Financial and
          Strategic Decisions, Vol. 10 No. 1, Spring 1997, pp. 39-46.

         "An Empirical Investigation Into the Size of Small Businesses,"
          Co-authors:  Jerome S. Osteryoung (Florida State University) and
          Richard L. Constand, The Journal of Small Business Finance, Vol. 4,
          No. 1, 1994/1995, pp. 78-86.

         "Relaxing the Glass-Steagal Act:   Do Potential Diversification Benefits
          Exist?" Co-author:  William A. Christiansen, Journal of Financial and
          Strategic Decisions,Vol. 7, No. 3, Fall 1994, pp. 55-62.

         "Real Estate and Banks:  Diversification, Profitability and Risk,"
          Co-author:   William A. Christiansen, Business and Economic Review,
          Fall 1993, pp. 17-36.

         "A Note on Using the Wall Street Journal and Other Business
           Periodicals in the Classroom," Co-author:   Reinhold P. Lamb,
          Financial Practice and Education, Fall 1993, pp. 107-108.

         "Financial Deregulation:  The Merging of Banking and Insurance Agency
          Activities," Issues in Bank Regulation, Summer 1989, pp. 24-28.

National Presentations

         "Another Look at Corporate Ownership in Japan," Co-author:  Richard
          Constand, presented at the 1996 Financial Management Association.

         "Shareholder Returns and Total Quality Management," Co-author:  Mark
          Holder (Valparaiso University), Presented at the 1994 Financial
          Management Association Meeting.

         "Small Bank Valuation," Co-authors:  Jerome S. Osteryoung and Richard
           L. Constand, Presented at the 1994 International Small Firm
           Financial Research Symposium.

         "Performance and Ownership Structure of Keiretsu Firms," Co-author:
           Richard L. Constand, Presented at the 1993 Financial Management
           Association Annual Meeting.

         "An Empirical Investigation Into the Size of Small Businesses,"
           Co-authors:  Jerome S. Osteryoung and Richard L. Constand,
           Presented at the 1993 International Small Firm Financial Research
           Symposium.

         "The Effect of Corporate Group Affiliation On Trade Credit in Japan,"
           Co-authors:  Richard L. Constand and Lewis P. Freitas (University of
           Hawaii), Presented at the 1993 International Small Firm Financial
           Research Symposium.

         "The Impact of Expanded Insurance, Securities and Real Estate Powers
           on Bank Holding Companies," Co-author:  William A. Christiansen,
           Presented at the 1992 Financial Management Association Annual
           Meeting.

         "A Global Analysis of Bank Risk:  Evidence of Financial Services
           Diversification," Co-author:  Richard L. Constand, Presented at the
           1992 Financial Management Association Annual Meeting.

         "Real Estate and Banks:   Diversification, Profitability and Risk,"
          Co-author:  William A. Christiansen, Presented at the 1991 American
          Real Estate Society Meeting.

Regional Presentations

         "The Congressional Calendar and Stock Market Performance,"
           Co-authors:  William F. Kennedy, Christopher K. Ma, and Reinhold P.
           Lamb, Presented at the 1995 Eastern Finance Association.

         "Trends in Insurance Agency Activities of Financial Institutions:
           Legislative, Judicial and Administrative Action," Co-authors:  Kevin
           Eastman and Patrick F. Maroney (Florida State University),
           Presentation at the 1994 Southern Risk and Insurance Meeting.