93_1612.zo      48358  01-18-95  Nationsbank of North Carolina, N. A., v.
                               | Variable Annuity Life Insurance Co. --
                               | Opinion
93_1612.zs      33748  01-18-95  Nationsbank of North Carolina, N. A., v.
                               | Variable Annuity Life Insurance Co. --
                               | Syllabus