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<SEC-DOCUMENT>0000916641-97-000230.txt : 19970325
<SEC-HEADER>0000916641-97-000230.hdr.sgml : 19970325
ACCESSION NUMBER:		0000916641-97-000230
CONFORMED SUBMISSION TYPE:	10-K405
PUBLIC DOCUMENT COUNT:		10
CONFORMED PERIOD OF REPORT:	19961231
FILED AS OF DATE:		19970324
SROS:			NYSE

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			DOMINION RESOURCES INC /VA/
		CENTRAL INDEX KEY:			0000715957
		STANDARD INDUSTRIAL CLASSIFICATION:	ELECTRIC SERVICES [4911]
		IRS NUMBER:				541229715
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K405
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-08489
		FILM NUMBER:		97561395

	BUSINESS ADDRESS:	
		STREET 1:		901 E BYRD ST, WEST TOWER
		STREET 2:		P O BOX 26532
		CITY:			RICHMOND
		STATE:			VA
		ZIP:			23219
		BUSINESS PHONE:		8047755700

	MAIL ADDRESS:	
		STREET 1:		P O BOX 26532
		STREET 2:		901 EAST BYRD STREET
		CITY:			RICHMOND
		STATE:			VA
		ZIP:			23261
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K405
<SEQUENCE>1
<DESCRIPTION>DOMINION RESOURCES, INC. 10-K405
<TEXT>


                                                                   Draft 3/18/97
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------

                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                            ------------------------

                                   Form 10-K
                            ------------------------

            (Mark One)
                  ( X )      ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF
                             THE SECURITIES EXCHANGE ACT OF 1934
 
                  For the fiscal year ended December 31, 1996
 
                                       or

                  (   )      TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE
                        SECURITIES EXCHANGE ACT OF 1934
 
                         For the transition period from
                               --------------- to
                                ---------------

                         Commission file number 1-8489
                    ----------------------------------------

                            Dominion Resources, Inc.
             (Exact name of registrant as specified in its charter)

                VIRGINIA                                 54-1229715
     (State or other jurisdiction of         (IRS employer identification no.)
     incorporation or organization)

          901 East Byrd Street
           Richmond, Virginia                            23219-4072
(Address of principal executive offices)                 (Zip Code)

                                 (804) 775-5700
              (Registrant's telephone number, including area code)

          Securities registered pursuant to Section 12(b) of the Act:

  Title of each class            Name of each exchange on which registered
  ---------------------------    ------------------------------------------
  Common Stock, no par value     New York Stock Exchange


          Securities registered pursuant to Section 12(g) of the Act:
                                     None:
                                (Title of Class)

     Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Act of 1934 during
the preceding 12 months (or for such shorter period that the registrant was
required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days. Yes [X]  No [ ]

     Indicate by check mark if disclosure of delinquent filers pursuant to Item
405 of Regulation S-K is not contained herein, and will not be contained, to the
best of registrant's knowledge, in definitive proxy or information statements
incorporated by reference in Part III of this Form 10-K or any amendment to this
Form 10-K.  [X]

     The aggregate market value of voting stock held by nonaffiliates of the
registrant was $7,382,370,433 at February 28, 1997, based on the closing price
of the Common Stock on such date, as reported on the composite tape by The Wall
Street Journal.

     Indicate the number of shares outstanding of each of the registrant's
classes of common stock, as of the latest practicable date.

                  Class               Outstanding at February 28, 1997
       Common Stock, no par value                183,412,930

                      DOCUMENTS INCORPORATED BY REFERENCE:

(a) Portions of the 1996 Annual Report to Shareholders for the fiscal year ended
    December 31, 1996 are incorporated by reference in Parts I, II and IV
    hereof.

(b) Portions of the 1997 Proxy Statement, dated March 7, 1997, are incorporated
    by reference in Part III hereof.

- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------

<PAGE>
                            DOMINION RESOURCES, INC.

 Item                                                                   Page
Number                                                                 Number
- -------                                                                ------
                                     PART I
 1. Business
      The Company......................................................   1
      Regulation.......................................................   3
      Capital Requirements and Financing Program.......................   9
      Rates............................................................   9
      Virginia Power Sources of Power..................................  11
      Virginia Power Sources of Energy Used and Fuel Costs.............  12
      Interconnections.................................................  13
      Future Sources of Power..........................................  14
      Competition and Strategic Initiatives............................  15
      Conservation and Load Management.................................  16
 2. Properties.........................................................  16
 3. Legal Proceedings..................................................  16
 4. Submission of Matters to a Vote of Security Holders................  16
    Executive Officers of the Registrant...............................  17

                               PART II

 5. Market for the Registrant's Common Equity
      and Related Stockholder Matters..................................  18
 6. Selected Financial Data............................................  18
 7. Management's Discussion and Analysis of Financial Condition
      and Results of Operations........................................  18
      Management's Discussion and Analysis of Cash Flows
        and Financial Condition........................................  29
 8. Financial Statements and Supplementary Data........................  33
 9. Changes in and Disagreements with Accountants on Accounting
      and Financial Disclosure.........................................  37

                               PART III

10. Directors and Executive Officers of the Registrant.................  37
11. Executive Compensation.............................................  37
12. Security Ownership of Certain Beneficial Owners and Management.....  37
13. Certain Relationships and Related Transactions.....................  37

                               PART IV

14. Exhibits, Financial Statement Schedules, and Reports on Form 8-K...  38

<PAGE>
                                     PART I

                                ITEM 1. BUSINESS
                                  THE COMPANY

     Dominion Resources, Inc. (Dominion Resources), organized in 1983, has its
principal office at 901 East Byrd Street, Richmond, Virginia 23219-4072,
telephone (804) 775-5700. The principal assets of Dominion Resources are its
investments in its subsidiaries.

     At December 31, 1996, Dominion Resources owned all of the outstanding
common stock of its subsidiaries: Dominion Capital, Inc. (Dominion Capital);
Dominion Energy, Inc. (Dominion Energy) and Virginia Electric and Power Company
(Virginia Power), its largest subsidiary. Dominion Resources is currently exempt
from registration as a holding company under the Public Utility Holding Company
Act of 1935 (the 1935 Act).

     On November 13, 1996, Dominion Resources announced its intention to make a
cash offer to purchase, through a newly created United Kingdom subsidiary, DR
Investments (UK) PLC (DR Investments (UK)), all of the outstanding shares of
East Midlands Electricity plc (East Midlands), a United Kingdom regional
electricity company, for a total purchase price of approximately $2.2 billion.
As of January 10, 1997, 140,298,528 shares of East Midlands, or approximately
70.7% of the shares outstanding, had been tendered and the offer was declared
unconditional, thereby committing DR Investments (UK) to purchase all East
Midlands shares validly tendered pursuant to the offer. Earlier DR Investments
(UK) had purchased 29,700,000 shares, or approximately 15% of East Midlands
outstanding shares. As of March 14, 1997, all the outstanding shares of East
Midlands have been acquired. The interim financing for the offer is in the form
of a short-term credit agreement and a revolving credit agreement, each with
Union Bank of Switzerland, New York Branch, as Administrative Agent and
NationsBank, N.A. as Syndication Agent, and is guaranteed by Dominion Resources.
In addition, DR Investments (UK) has issued Loan Notes in lieu of cash to
certain shareholders of East Midlands with Dominion Resources providing the
remainder of the consideration as equity. Dominion Resources expects the
permanent financing will be a combination of non-recourse debt, issued at a
subsidiary level, as well as equity provided by Dominion Resources. East
Midlands owns and operates the electricity distribution network in the East
Midlands region of England and provides power to approximately 2.3 million
businesses and homes. The company buys electricity from the U.K. competitive
pool and supplies it to all smaller business and domestic customers in its
franchise area and to larger business customers anywhere in the country on a
negotiated contract basis. East Midlands also operates small electricity
generation and gas supply businesses and an electrical contracting business.

     Dominion Capital, established as a subsidiary of Dominion Resources in
1985, is a diversified investment and financial services company. The principal
assets of Dominion Capital are its joint venture with Household Commercial
Financial Services, Inc., First Source Financial, LLP, a middle market
commercial lender; Saxon Mortgage, Inc. and its affiliates, subsidiaries engaged
in the origination, servicing and securitization of residential mortgages;
Cambrian Capital, a merchant banking enterprise for emerging independent oil and
natural gas producers; a 50% limited partnership interest in a Louisiana
hydroelectric project; Dominion Lands, Inc., a subsidiary involved in planned
community real estate development and management; investments in marketable
securities and fixed income instruments; OptaCor Financial Services Company, a
consumer lender; and Rincon Securities, Inc., a subsidiary which holds a
diversified portfolio of preferred stocks. Dominion Capital also has investments
in affordable housing and a commercial real estate management company. On March
21, 1997, Dominion Capital completed the purchase of Household Commercial
Financial Services Inc. interest in First Source Financial, LLP.

     Dominion Energy, established as a subsidiary of Dominion Resources in 1987,
is active in the nonutility electric power generation businesses outside the
territory served by Virginia Power and the development, exploration and
operation of oil and natural gas reserves. Dominion Energy is involved in power
projects in six states, Argentina, Bolivia, Belize and Peru, which total
approximately 2,561 Mw. Domestic power projects in operation throughout 1996 in
which Dominion Energy has an interest include three gas-fueled projects in
Texas, two geothermal projects, two gas-fueled projects and one solar project in
California, four small hydroelectric projects in New York, a waste coal-fueled
project in West Virginia and a waste wood-and coal- fueled project in Maine.
International power projects in operation throughout 1996 in which Dominion
Energy has an interest include one hydroelectric and one gas-fired project in
Argentina, two hydroelectric projects in Bolivia, a run-of-river hydroelectric
project in Belize and two hydroelectric projects and six diesel oil-fueled
projects in Peru. Dominion Energy is involved in oil and natural gas development
and exploration in the Appalachian Basin, the Michigan Basin, the Illinois
Basin, the Black Warrior Basin, the Uinta Basin, the Powder River Basin, the
Gulf Coast and the Mid-Continent, and owns oil and natural gas reserves in such
areas totaling approximately 460 billion cubic feet (BCFE). In 1996, Dominion

                                       1

<PAGE>
Energy added approximately 105 BCFE of natural gas reserves. Production from
Dominion Energy's natural gas reserve holdings in 1996 totaled approximately 52
BCFE.

     On March 29, 1996, a subsidiary of Dominion Energy, Kincaid Generation,
L.L.C. (LLC) entered into an asset sale agreement with Commonwealth Edison
Company (ComEd) to purchase ComEd's 1,108 Mw coal-fired Kincaid Power Station in
Central Illinois and entered into a power purchase agreement with ComEd to sell,
upon closing under the asset sale agreement, capacity and energy back to ComEd
for a period of 15 years. The closing under the asset sale agreement and
effectiveness of the power purchase agreement are subject to various regulatory
approvals and other conditions, including certain approvals from the Illinois
Commerce Commission (ICC) and the Federal Energy Regulatory Commission (FERC).
ComEd filed a petition for ICC approval and on November 27, 1996, a Hearing
Examiners' Proposed Order was issued recommending to the ICC that the
transaction be approved. Exceptions to that Report have been filed and are
pending before the ICC. The ICC may issue a final order by early spring. On July
26, 1996, the International Brotherhood of Electrical Workers, AFL-CIO, Local
Union 15 (IBEW) filed a complaint in Illinios state court requesting injunctive
relief to prevent the transaction. IBEW has claimed that the asset sale
agreement is in violation of an Illiniois statute concerning collective
bargaining agreements because the asset sale agreement does not state that LLC
will be subject to the current collective bargaining agreement between ComEd and
IBEW. The case was removed to the United States District Court for the Northern
District of Illinois. In February 1997, the Court issued an order granting LLC
and ComEd's motions for summary judgement and invalidating the Illinois statute.
The IBEW has appealed to the Seventh Circuit. The IBEW has also filed an unfair
labor practice charge with the National Labor Relations Board alleging failure
to bargain in good faith. Regulatory approval of various aspects of the
transaction have been requested and received from FERC. An additional filing
with FERC will be made after ICC approval is obtained. The present closing date
deadline under the asset sale agreement is June 30, 1997.

     In August 1996, Dominion Energy, through wholly-owned subsidiaries,
acquired a 60% ownership and management interest in Empresa de Generacion
Electrica NorPeru S.A. (EGENOR). EGENOR is a generation company providing power
to Peru's northern region. The government-owned ElectroPeru S.A. and the
employees of EGENOR collectively retain a 40% interest in EGENOR. Dominion
Energy continues to assess sale opportunities for a portion of its interest in
EGENOR to a third party.

     For additional information on the nonutility businesses, see Nonutility
Issues under FUTURE ISSUES in MANAGEMENT'S DISCUSSION AND ANALYSIS OF
OPERATIONS.

     Virginia Electric and Power Company is a regulated public utility engaged
in the generation, transmission, distribution and sale of electric energy within
a 30,000 square mile area in Virginia and northeastern North Carolina. It
transacts business under the name Virginia Power in Virginia and under the name
North Carolina Power in North Carolina. It sells electricity to retail customers
(including governmental agencies) and to wholesale customers such as rural
electric cooperatives and municipalities. The Virginia service area comprises
about 65 percent of Virginia's total land area, but accounts for over 80 percent
of its population. As used herein, the term "Virginia Power" refers to the
entirety of Virginia Electric and Power Company, including, without limitation,
its Virginia and North Carolina operations, and all of its subsidiaries.

     The electric utility industry in the United States is witnessing an
evolutionary trend toward less regulation and more competition. This is
evidenced by legislative and regulatory action at both the federal and state
level. To the extent that competition is either authorized or mandated and
regulation is eliminated or relaxed, electric utilities will no longer, in the
absence of appropriate legislative or regulatory action during the transition
period, be guaranteed an opportunity to recover their prudently-incurred costs
including their cost of capital, and utilities with costs that exceed the market
prices established by the competitive market will run the risk of suffering
losses, which may be substantial.

     Virginia Power has responded to this evolution by undertaking cost-cutting
measures, engaging in re-engineering efforts of its core business processes, and
pursuing a strategic planning initiative (called Vision 2000) to encourage
innovative approaches to servicing traditional markets and to develop
appropriate methods by which to service future markets.

     A significant part of Virginia Power's strategy relies on developing
"non-traditional" business opportunities designed to provide growth in earnings
by leveraging existing core competencies. Virginia Power has established
separate business units for its nuclear operations, fossil and hydroelectric
operations, commercial operations, and its energy services business in an effort
to pursue these opportunities to grow by offering multiple markets a broad
portfolio of energy-related products and services.

     In addition, Virginia Power is actively pursuing opportunities to expand
its market reach through strategic alliances with partners whose strengths,
market position and strategies complement Virginia Power's and where
efficiencies can be gained through the alliance.

                                       2

<PAGE>
     For additional information on the changing utility industry and Virginia
Power's strategy see COMPETITION AND STRATEGIC INITIATIVES below and Competition
under FUTURE ISSUES in MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL
CONDITION AND RESULTS OF OPERATIONS.

     Virginia Power has franchises or permits for electric operations in
substantially all cities and towns now served. It also has certificates of
convenience and necessity from the State Corporation Commission of Virginia (the
Virginia Commission) for service in all territory served at retail in Virginia.
The North Carolina Utilities Commission (the North Carolina Commission) has
assigned territory to Virginia Power for substantially all of its retail service
outside certain municipalities in North Carolina.

     Virginia Power strives to operate its generating facilities in accordance
with prudent utility industry practices and in conformity with applicable
statutes, rules and regulations. Like other electric utilities, Virginia Power's
generating facilities are subject to unanticipated or extended outages for
repairs, replacements or modifications of equipment or otherwise to comply with
regulatory requirements. Such outages may involve significant expenditures not
previously budgeted, including replacement energy costs.

     The matters discussed in this annual report on Form 10-K contains
"forward-looking statements" as defined by the Private Securities Litigation
Reform Act of 1995, including (without limitation) discussions as to
expectations, beliefs, plans, objectives and future financial performance, or
assumptions underlying or concerning matters discussed in this document. These
discussions, and any other discussions contained in this report that are not
historical facts, are forward-looking and, accordingly, involve estimates,
projections, goals, forecasts, assumptions and uncertainties that could cause
actual results or outcomes to differ materially from those expressed in the
forward-looking statements. In addition to certain contingency matters (and
their respective cautionary statements) discussed elsewhere in this report, the
FORWARD-LOOKING INFORMATION section contained in MANAGEMENT'S DISCUSSION AND
ANALYSIS OF OPERATIONS indicates some important factors that could cause actual
results or outcomes to differ materially from those addressed in the
forward-looking discussions.

     Dominion Resources and its subsidiaries had 11,174 full-time employees as
of December 31, 1996.

                                   REGULATION

General

     In a wide variety of matters in addition to rates, Virginia Power is
presently subject to regulation by the Virginia Commission and the North
Carolina Commission, the Environmental Protection Agency (EPA), Department of
Energy (DOE), Nuclear Regulatory Commission (NRC), FERC, the Army Corps of
Engineers, and other federal, state and local authorities. Compliance with
numerous laws and regulations increases Virginia Power's operating and capital
costs by requiring, among other things, changes in the design and operation of
existing facilities and changes or delays in the location, design, construction
and operation of new facilities. The commissions regulating Virginia Power's
rates have historically permitted recovery of such costs.

     Virginia Power may not construct, or incur financial commitments for
construction of, any substantial generating facilities or large capacity
transmission lines without the prior approval of state and federal governmental
agencies having jurisdiction over various aspects of its business. Such
approvals relate to, among other things, the environmental impact of such
activities, the relationship of such activities to the need for providing
adequate utility service and the design and operation of proposed facilities.

     Various provisions of the Energy Policy Act of 1992 (the Energy Act) that
could affect Virginia Power include those provisions encouraging the development
of non-utility generation, giving FERC authority to order transmission access
for wholesale transactions, requiring higher energy efficiency and alternative
fuels use, restructuring of nuclear plant licensing procedures and requiring
state regulatory authorities to give full rate treatment for the effects of
conservation and demand management programs, including the effects of reduced
sales. While the full impact of the Energy Act on Virginia Power cannot at this
time be quantified, it is likely, over time, to be significant.

     The Virginia General Assembly, during the 1996 session, adopted Senate
Joint Resolution No. 118, which created a joint legislative subcommittee to
study competition and restructuring in the electric utility industry. The
subcommittee conducted public hearings and met at various times throughout the
year. The 1997 Virginia General Assembly adopted Senate Joint Resolution No.
259, which would continue the existence of the joint subcommittee for an
additional year and request that the

                                       3

<PAGE>
Staff of the Virginia Commission provide by November 7, 1997, a draft of a
working model for the future structure of the electric utility industry in
Virginia, statutory or regulatory changes appropriate for the model, and an
appropriate timetable and transition for implementation of the model. The
Virginia Commission has commenced its work in response to this request.

     In connection with the offer for East Midlands and in order to obtain
certifications from the Virginia Commission and the North Carolina Commission
necessary for the maintenance of Dominion Resources' exemption from the 1935
Act, as amended, notwithstanding the acquisition of East Midlands, Dominion
Resources and Virginia Power proffered on October 31, 1996 an Undertaking and
Covenant to such regulatory agencies for the benefit of, and enforceable by,
such agencies. The Undertaking and Covenant provides, among other things, that
Virginia Power will have no role in the financing of the acquisition of East
Midlands, whether as primary obligor or guarantor, nor will Virginia Power or
Dominion Resources agree in any way to obligate Virginia Power to commit funds
to maintain the financial viability of East Midlands or to become liable for any
debts of East Midlands. Further, Dominion Resources agreed that following the
East Midlands acquisition, it would reduce and maintain its Aggregate Investment
to no more than 35% of its consolidated net worth within 180 days of the East
Midlands acquisition. For purposes of the Undertaking and Covenant, "Aggregate
Investment" means all amounts invested in exempt wholesale generators located
outside the United States and in foreign utilities, in the form of equity, or
debt which is recourse, directly and indirectly, to Dominion Resources, and
consolidated net worth means all common equity of Dominion Resources.

     The Undertaking and Covenant imposes various reporting obligations on
Dominion Resources and Virgina Power designed to assure compliance with the
Undertaking and Covenant and creates remedies for its violation, including,
without limitation, authorization for the agencies to order partial divestiture
by Dominion Resources of any Aggregate Investment which is in excess of the 35%
limitation.

Virginia

     On September 18, 1995, the Virginia Commission established a proceeding to
review and consider its policy regarding restructuring of, and competition in,
the electric utility industry. The Commission Staff issued its Report on July
31, 1996. The Report contained 14 recommendations, including continued
monitoring of wholesale and retail competition in the industry, increased
monitoring of service quality, preservation of state jurisdiction over retail
service, improved price signals, further study of stranded cost recovery, and
increased efforts to renegotiate non-utility generation contracts. On September
23, 1996, Virginia Power filed its comments on the Staff Report and a request
for oral argument. The comments generally supported most of the Staff's specific
recommendations as well as its overall recommendation that Virginia should
pursue a cautious and measured approach to the adoption of competitive
initiatives, but Virginia Power stated that it would continue to pursue its
Vision 2000 restructuring (see Note O to the NOTES TO CONSOLIDATED FINANCIAL
STATEMENTS in the 1996 Annual Report to Shareholders, incorporated herein by
reference). The comments stated that the question of recovery of potential
stranded costs should be addressed now. On November 8, 1996, Virginia Power gave
the Virginia Commission notice that it intended to institute a proceeding under
a recently enacted statute that allows the Virginia Commission to consider
alternative forms of regulation. On November 12, 1996, the Commission directed
its staff and electric utilities in Virginia to provide additional information
relevant to potential changes in and possible emergence of competition in the
electric industry. It directed utilities that have contracts for non-utility
generation that impacts their Virginia jurisdictional rates to file, by June 1,
1997, a report detailing efforts to restructure contracts with non-utility
generators (NUGs) to mitigate the potentially negative effect on current and
future rates, and subsequently to file quarterly reports detailing continuing
efforts in this area. The Commission has established separate working groups to
consider the issues of reliability, costs and benefits of competition, stranded
costs and benefits, models for industry restructuring, and environmental
matters. Each working group includes a Staff member and representatives of
consumer groups, industrial customers, non-utility generators, utilities and
cooperatives.

     On November 12, 1996, the Commission also instituted a new proceeding and
directed Virginia Power to provide other information by March 31, 1997.
Information required to be filed includes detailed cost-of-service studies,
suggested adjustments for eliminating cross subsidies among customer classes,
methods for improving price signals to customers, illustrative tariffs that
unbundle rates, analysis of reserve margin requirements, analysis of whether
incremental capacity needs could be met by a competitive market, evaluation of
the capacity solicitation process, evaluation of conservation and load
management programs and other information. The Commission also directed that any
proposed alternative form of regulation be filed in the newly instituted
proceeding, and required that a 1996 calendar year be used as the test period,
with an anticipated rate year beginning 150 days after the date of filing. On
March 7, 1997, in this proceeding and in a separate Annual Information

                                       4

<PAGE>

Filing proceeding, the Commission entered an order providing that Virginia
Power's rates shall become interim rates subject to refund as of March 1, 1997.

     On March 24, 1997, Virginia Power filed a proposed alternative regulatory
plan with the Virginia Commission, in which it proposes a freeze of present
rates through December 31, 2002, during which a portion of earnings above the
approved level would be used to accelerate the write-off of generation-related
regulatory assets and mitigate the costs associated with payments under power
purchase contracts with NUGs. Virginia Power also seeks approval of the
principle of stranded cost recovery as well as approval of a Transition Cost
Charge mechanism by which costs that may become stranded at the onset of
competition will be recoverable from customers who elect to purchase their power
in the competitive market if retail competition is allowed in Virginia. The
Commission has not established a procedural schedule in this case, and the
extent to which it will grant Virginia Power's request cannot be predicted. For
a more detailed discussion of competition and the recovery of stranded costs,
see Competition under FUTURE ISSUES in MANAGEMENT'S DISCUSSION AND ANALYSIS OF
FINANCIAL CONDITION AND RESULTS OF OPERATIONS.

     On December 18, 1995, Virginia Power applied to the Virginia Commission for
approval of arrangements with Chesapeake Paper Products Company (CPPC), under
which Virginia Power would facilitate the design, construction and financing of
a cogeneration plant to meet CPPC's energy requirements for its industrial
processes at its plant in West Point, Virginia. A hearing has been held, and
briefs have been filed. Several parties opposed the arrangements by which
Virginia Power would provide gas sales, fuel management and fuel procurement
services to the plant as being anticompetitive and beyond the Virginia Power's
corporate and regulatory authority. Briefs were filed on January 6, 1997. After
consideration of briefs, a hearing examiner's report will be issued.

     On May 29, 1996, Virginia Power filed an Application with the Virginia
Commission seeking authority to implement a monitoring program that requires
certain non-utility generators to provide certain information sufficient to
determine continued compliance with the "Qualifying Facility" (QF) requirements
of the Public Utility Regulatory Policies Act of 1978 (PURPA). On October 10,
1996, the Commission Staff filed its brief concluding that the Commission had
legal authority to require QFs to provide it with operating data and to adopt a
monitoring program. On December 18, 1996, the Staff filed a report generally
supporting the Application. On December 30, 1996, Virginia Power filed its
response requesting that the Commission adopt the Staff conclusions.

     On June 7, 1996, Virginia Power filed an application with the Virginia
Commission to purchase a gas-fired combined cycle generator from Richmond Power
Enterprise, L.P. (RPE) and to enter into a purchased power contract with RPE and
Enron Power Marketing, Inc. (EPMI) without competitive bidding. Under this
proposal, Virginia Power will purchase the generator, at a price of
approximately $20 million, and the power purchase and operating agreement (PPOA)
will be amended to reduce capacity payments, shorten the term of the agreement
and provide for sales of capacity and energy by RPE's assignee, EPMI, to
Virginia Power from sources outside Virginia Power's service territory rather
than from the generator. Virginia Power estimates this arrangement will result
in a savings of $63 million over the life of the existing PPOA. The Staff
supported the application, and the Commission granted approval on November 18,
1996. On January 15, 1997, FERC issued the necessary approvals. The purchase was
concluded on February 25, 1997.

     On October 8, 1996, Virginia Power filed with the Virginia Commission an
application for authority to provide interexchange non-switched dedicated
telecommunication services throughout Virginia. If the application is granted,
Virginia Power will be authorized to provide a range of telecommunications
services, including private line and special access services and high capacity
telecommunications services. The application is opposed by the City of Richmond
and several telecommunications providers have intervened neither supporting nor
opposing the application. Virginia Power filed its brief on March 7, 1997
supporting its authority to offer the telecommunications services and responding
to the positions taken by the other parties.

     On November 8, 1996, the Virginia Commission approved arrangements for
services and transfers of assets between Virginia Power and A&C Enercom, Inc., a
wholly-owned subsidiary of Virginia Power that provides energy services to
utility customers.

     On February 7, 1997, Virginia Power filed an application with the Virginia
Commission requesting approval of arrangements between it and a wholly-owned
subsidiary, Virginia Power Services, Inc., (VPS), by which Virginia Power would
provide to VPS services that would enable Virginia Power Nuclear Services
Company (VPN), a VPS subsidiary, to furnish nuclear management and operation
services to electric utilities seeking assistance in the management and
operation of their nuclear generating facilities. The arrangements contemplate
the possibility of the creation of additional subsidiaries of VPS that would
provide other unregulated services, such as energy services, to third parties
seeking such services. VPN has

                                       5

<PAGE>

executed a Letter of Intent with Northeast Nuclear Energy Company to provide
management services for Northeast Utilities' Millstone Unit 2 nuclear plant.

North Carolina

     On May 15, 1996, the North Carolina Commission issued an order initiating
an investigation of emerging issues in the restructuring of the electric
industry. As ordered, Virginia Power filed comments on July 16, 1996, addressing
the implications of FERC Order No. 888, Promoting Wholesale Competition Through
Open Access Non-discriminatory Transmission Services by Public Utilities.

FERC

     On April 24, 1996, FERC issued final rules on open access transmission
service, stranded costs, standards of conduct and open access same-time
information systems (OASIS). On July 9, 1996, Virginia Power filed an open
access transmission service tariff in compliance with FERC's Order No. 888.
Also, in compliance with FERC's directive, Virginia Power's OASIS became
operational and company-filed standards of conduct requiring separation of
transmission operations/reliability functions from wholesale merchant/marketing
functions became effective on January 3, 1997. Virginia Power also made filings
to comply with FERC's directive that, effective January 1, 1997, utilities no
longer make bundled sales of transmission and generation services in economy
energy transactions. In certain of those filings, Virginia Power canceled or
committed not to use the economy energy rate schedules contained in
interconnection agreements that Virginia Power has with neighboring utilities.
With regard to its Wholesale Power Sales Tariff, Virginia Power filed amendments
to that tariff to unbundle the bundled economy rates contained therein. On March
4, 1997, FERC issued Order No. 888-A, in which it addressed requests for
rehearing of Order No. 888. Order No. 888-A essentially reaffirms the basic
principles of Order No. 888 and clarifies and makes limited modifications to
Order No. 888. Parties seeking judicial review of Order Nos. 888 and 888-A must
file petition for review with the appropriate United States Court of Appeal by
May 5, 1997. For a discussion of the status of Virginia Power's Open Access
Transmission Tariff filing, see ITEM 1, RATES, FERC below.

     FERC also issued a notice of proposed rulemaking (NOPR) proposing
replacement of open access tariffs with a capacity reservation tariff by
December 31, 1997.

     For additional discussion of Open Access issues see COMPETITION AND
STRATEGIC INITIATIVES below and Competition under FUTURE ISSUES in MANAGEMENT'S
DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS.

     On July 31, 1996, FERC denied in part and granted in part, LG&E
Westmoreland Southampton's (Southampton) request for a waiver of the
Commission's operating requirements for QFs under PURPA. Southampton owns and
operates a 62.6 Mw cogeneration facility located in Franklin, Virginia and sells
the output of the facility to Virginia Power. FERC's decision preserved
Southampton's QF status under the Public Utility Holding Company Act, but
refused to waive Southampton's violation of the QF operating standards. The
Order provided that Southampton refund to Virginia Power the difference between
the amount that Virginia Power paid to Southampton in 1992 under its QF contract
and a Commission-approved rate equal to Virginia Power's incremental cost of
economy energy during 1992. On August 23, 1996, Southampton filed a Motion for
Clarification, and on August 30, 1996, it filed a Request for Rehearing.
Virginia Power filed responses to each Southampton pleading. On September 30,
1996, FERC issued an order granting rehearing for the purpose of further
consideration. On October 15, 1996, Virginia Power filed the data requested by
the FERC order showing Virginia Power's incremental cost of economy energy
during each hour of 1992. On October 30, 1996, Southampton filed a response to
Virginia Power's data filing. Southampton also filed a Petition for Review on
September 23, 1996, against FERC in the United States Court of Appeals for the
D.C. Circuit. Virginia Power filed a Motion to Intervene, which the Court
granted on November 25, 1996. On November 27, 1996, Southampton initiated a
separate rate proceeding at FERC seeking approval of the contract rates paid to
it by Virginia Power in 1992 only. On December 26, 1996, Virginia Power filed a
Motion to Intervene, Motion to Reject and Terminate Proceeding, and Protest. On
January 10, 1997, Southampton filed its answer.

Environmental

     From time to time, Virginia Power may be identified as a potentially
responsible party (PRP) with respect to a Superfund site. EPA (or a state) can
either (a) allow such a party to conduct and pay for a remedial investigation,
feasibility study and remedial action or (b) conduct the remedial investigation
and action and then seek reimbursement from the parties. Each party can be held
jointly, severally and strictly liable for all costs, but the parties can then
bring contribution actions against each other and seek reimbursement from their
insurance companies. As a result of the Superfund Act or other laws or

                                       6

<PAGE>

regulations regarding the remediation of waste, Virginia Power may be required
to expend amounts on remedial investigations and actions. Although Virginia
Power is not currently aware of any sites or events, including those sites
currently identified, likely to result in significant liabilities, such amounts,
in the future, could be significant.

     Permits under the Clean Water Act and state laws have been issued for all
of Virginia Power's steam generating stations now in operation. Such permits are
subject to reissuance and continuing review.

     The Clean Air Act, as amended in 1990, requires Virginia Power to reduce
its emissions of sulfur dioxide (SO(2)) and nitrogen oxides (NO(x)). Beginning
in 1995, the SO(2) reduction program is based on the issuance of a limited
number of SO(2) emission allowances, each of which may be used as a permit to
emit one ton of SO(2) into the atmosphere or may be sold to someone else. The
program is administered by the EPA.

     Virginia Power installed SO(2) control equipment on Unit 3 at Mt. Storm
Power Station during 1994. Additional plans for SO(2) control involve switching
to lower sulfur coal, purchase of emission allowances and additional SO(2)
controls. Maximum flexibility and least-cost compliance will be maintained
through annual studies. Virginia Power has completed its compliance plan for
NO(x) control, with the exception of some additional studies concerning Phase
II, for which EPA issued final regulations in December 1996, and ozone control
requirements, for which final regulations have not yet been promulgated.

     In 1996 Virginia Power installed NO(x) controls on Possum Point Unit 4 and
at Mt. Storm Unit 3 at a total approximate cost of $10 million. Virginia Power
plans to install additional NO(x) controls and modify existing controls at Mt.
Storm Units 1 and (2) in 1997, and to seek alternative emission limitations from
EPA for all three Mt. Storm Units. Virginia Power has notified EPA of its
decision (called "early election") to begin complying with Phase I NO(x) limits
at ten of its units in Virginia in 1997, three years earlier than otherwise
required. As a result, and provided that Phase I compliance limits are met, the
units will not be subject to more stringent Phase II limits until 2008.

     In order to assist the Virginia Department of Environmental Quality in
maintaining good air quality in the Richmond and Hampton Roads regions, and to
avoid the necessity of more stringent regulations,Virginia Power made voluntary
commitments in 1996 to cap NO(x) emissions at its Chesterfield and Yorktown
Power Stations and the Chesapeake Energy Center beginning in 2000.

     Capital expenditures on Clean Air Act compliance over the next five years
are projected to be approximately $21 million. Changes in the regulatory
environment, availability of allowances, and emissions control technology could
substantially impact the timing and magnitude of compliance expenditures.

     The Clean Air Act amendments also require Virginia Power to obtain
operating permits for all major generating facilities. Permit applications have
been submitted, and deemed complete by the regulatory authorities, for the Mt.
Storm and North Branch power stations. Applications for the Virginia stations
are expected to be filed within the next two years.

     Virginia Power continues to work with the West Virginia Office of Air
Quality concerning opacity requirements applicable to the Mt. Storm Power
Station.

     In regard to ambient air quality standards, the EPA recently announced
proposals to add a fine particulate matter standard and to revise the ozone
standard, which could potentially result in significant expenditures to install
controls to reduce sulfur dioxide and nitrogen oxide emissions.

     In 1993 the United Nations' Framework Convention on Climate Change, also
called The Global Warming Treaty, which was signed by more than 150 countries,
including the United States, became effective. The objective of the treaty is
the stabilization of greenhouse gas concentrations at a level that would prevent
manmade emissions from interfering with the climate system.

     Although there is considerable scientific disagreement concerning the
effects of greenhouse gas emissions on global climate, the United States and
many other nations are supporting an international treaty, to be finalized in
December 1997, containing legally binding emissions targets to be achieved
between 2010 and 2020. The reduction in greenhouse gas emissions necessary to
achieve these targets is likely to have a substantial financial impact on
companies that consume or produce fossil fuel derived electric power, including
Virginia Power.

     For additional information on Environmental Matters, see Note Q to the
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS in the 1996 Annual Report to
Shareholders and ITEM 3. LEGAL PROCEEDINGS below.

                                       7

<PAGE>

Nuclear

     All aspects of the operation and maintenance of Virginia Power's nuclear
power stations are regulated by the NRC. Operating licenses issued by the NRC
are subject to revocation, suspension or modification, and operation of a
nuclear unit may be suspended if the NRC determines that the public interest,
health or safety so requires.

     From time to time, the NRC adopts new requirements for the operation and
maintenance of nuclear facilities. In many cases, these new regulations require
changes in the design, operation and maintenance of existing nuclear facilities.
If the NRC adopts such requirements in the future, it could result in
substantial increases in the cost of operating and maintaining Virginia Power's
nuclear generating units.
 
     On July 18, 1995, the Virginia Commission instituted an investigation
regarding spent nuclear fuel disposal. It directed interested parties to provide
comments on legal and public policy issues related to spent nuclear fuel storage
and disposal, including, but not limited to, whether to allow utilities to
recover from ratepayers some or all money paid to the Nuclear Waste Fund
established by the Nuclear Policy Act of 1982, whether to establish an escrow
account for spent nuclear fuel storage and/or disposal, and whether utilities
should develop their own plans for storage and disposal of spent nuclear fuel.
The Commission's Order Establishing Investigation recites that Virginia Power
has paid $343.6 million to the Nuclear Waste Fund through 1994, including $44.8
million in 1994, and that future payments could exceed $400 million assuming its
North Anna and Surry reactors continue to operate through the end of their
existing operating licenses. Virginia Power and others filed comments on October
31, 1995. On February 27, 1996, the Commission Staff filed its Report
recommending that adoption of a definitive policy on the spent nuclear fuel
disposal fee be delayed until (1) a ruling is forthcoming on pending litigation
which seeks to impose an obligation on the federal government to begin
acceptance of spent nuclear fuel no later than January 31, 1998, (2) the outcome
of proposed legislation which would amend the Nuclear Waste Policy Act to
require the development of a centralized interim storage facility has been
determined, and (3) a vision of the likely outcome of the electric utility
industry's restructuring efforts has been more fully conceptualized. The
Virginia Commission entered an order on October 7, 1996 in its proceeding
regarding spent nuclear fuel disposal in which it directed that the proceeding
be consolidated with Virginia Power's pending fuel cost recovery proceeding. On
March 7, 1997, the Commission Staff filed a motion requesting that the
Commission remove the spent nuclear fuel disposal issue from Virginia Power's
pending fuel factor proceeding and return it to a separate proceeding.
 
     For additional information on the Virginia fuel factor proceeding, see ITEM
1, RATES, Virginia, below.
 
     On January 31, 1997, Virginia Power joined thirty-five other utility
petitioners in filing a lawsuit against the DOE in the U.S. Court of Appeals for
the District of Columbia, asking the court to authorize suspension of payments
to the Nuclear Waste Fund and to authorize payment into escrow those fees that
are collected from customers until the DOE begins accepting used fuel.

                                       8

<PAGE>

                   CAPITAL REQUIREMENTS AND FINANCING PROGRAM

Capital Requirements

     See MANAGEMENT'S DISCUSSION AND ANALYSIS OF CASH FLOWS AND FINANCIAL
CONDITION on pages 30 through 32.

Construction and Nuclear Fuel Expenditures

     Virginia Power's estimated construction and nuclear fuel expenditures,
including Allowance for Funds Used During Construction (AFC), for the three-year
period 1997-1999, total $1.5 billion. It has adopted a 1997 budget for
construction and nuclear fuel expenditures as set forth below:

<TABLE>
<CAPTION>
                                                                                         Estimated 1997
                                                                                          Expenditures
                                                                                           (millions)
                                                                                         --------------
<S> <C>
Production:
  Clean Air Act.......................................................................        $  8
  Other...............................................................................          53
General Support Facilities............................................................          72
Transmission..........................................................................          46
Distribution..........................................................................         253
Nuclear Fuel..........................................................................          97
                                                                                         --------------
  Total Construction Requirements and Nuclear Fuel....................................         529
     AFC..............................................................................           4
                                                                                         --------------
  Total Expenditures..................................................................        $533
                                                                                         --------------
                                                                                         --------------
</TABLE>

Financing Program

     See MANAGEMENT'S DISCUSSION AND ANALYSIS OF CASH FLOWS AND FINANCIAL
CONDITION on pages 29 through 32.

                                     RATES

     Virginia Power was subject to rate regulation in 1996 as follows:

<TABLE>
<CAPTION>
                                                                                           1996
                                                                                  ----------------------
                                                                                  Percent       Percent
                                                                                     of           of
                                                                                  Revenues     Kwh Sales
                                                                                  --------     ---------
<S> <C>
Virginia retail:
  Non-Governmental customers....................    Virginia Commission               77%          70%
  Governmental customers........................    Negotiated Agreements             10           11
North Carolina retail...........................    North Carolina Commission          5            4
Wholesale:
  Requirements -- Sales for Resale..............    FERC                               4            5
  Non-Requirements -- Sales for Resale..........    FERC                               4           10
                                                                                     ---          ---
                                                                                     100%         100%
                                                                                     ---          ---
                                                                                     ---          ---
</TABLE>
 
     Substantially all of Virginia Power's electric sales are subject to
recovery of changes in fuel costs either through fuel adjustment factors or
periodic adjustments to base rates, each of which requires prior regulatory
approval.
 
     Each of these jurisdictions has the authority to disallow recovery of costs
it determines to be excessive or imprudently incurred. Various cost items may be
reviewed on occasion, including costs of constructing or modifying facilities,
on-going purchases of capacity or providing replacement power during generating
unit outages.

     The principal rate proceedings in which Virginia Power was involved in 1996
are described below by jurisdiction. Rate relief obtained by Virginia Power is
frequently less than requested.

                                       9

<PAGE>

FERC

     On May 14, 1996, the Department of the Navy, on behalf of the Department of
Defense (DOD), filed a Petition requesting FERC to declare DOD a wholesale
customer within Virginia. Alternatively, the Petition requested FERC to order
Virginia Power to wheel to DOD installations in Virginia. An agreement in
principle was subsequently reached for a new power supply contract, and the Navy
moved to withdraw its Petition, stating that the concerns expressed in the
Petition had been resolved. On July 15, 1996, three power marketers filed a
protest with DOD challenging the sole source negotiation and impending contract
with Virginia Power. The Department of the Navy, Naval Facilities Engineering
Command issued a decision on October 22, 1996, denying the protest, and finding
that competition between providers other than Virginia Power for the provisions
of electrical service to DOD facilities and activities within Virginia Power's
service territory in Virginia is not currently available. The Navy also noted
that the impending contract was not in contemplation of a new acquisition, but
was the result of periodic review of, and negotiation of a new rate under an
existing indefinite term contract. The supplemental agreement incorporating the
new rate was executed on October 30, 1996.

     In compliance with FERC's Order No. 888, on July 9, 1996, Virginia Power
filed an open access transmission service tariff, which became effective on July
9, 1996. On October 10, 1996, FERC issued a procedural order, scheduling a
hearing for April 28, 1997. Virginia Power and all parties reached a settlement
of issues raised in the proceeding, and on March 20, 1997, those parties jointly
filed with FERC the Settlement Agreement and Motion to Certify the Settlement
Agreement. Virginia Power is awaiting action on that motion by the presiding
Administrative Law Judge.

Virginia

     In 1995, the Virginia Commission authorized Virginia Power to implement a
pilot program providing a real time pricing (RTP) option for its industrial
customers with loads in excess of 10 Mw. Under this option, all or a portion of
an industrial customer's load growth would be supplied at projected incremental
hourly production costs, adjusted for line losses and taxes, plus a margin of
0.6 cents per Kwh. Additionally, a marginal cost-based Generation Capacity Adder
and a Transmission Capacity Adder would be applicable during those hours when
the Virginia Power system is approaching its forecasted annual peak demand. Up
to 20% of an industrial customer's existing load could be served on an RTP basis
if the customer

executes a five-year contract for such service. On July 24, 1996, the Commission
expanded the RTP schedule to make it available to commercial and industrial
customers with loads above 5 Mw.
 
     On July 31, 1996, Virginia Power filed with the Virginia Commission a
revised Schedule 19, which governs purchases from cogenerators and small power
producers of 100 kW or less. The schedule, which contains rates substantially
lower than those previously specified, became effective on an interim basis on
January 1, 1997. A hearing was held on January 30, 1997. The parties filed
briefs on March 14, 1997.
 
     On October 7, 1996, the Virginia Commission ordered that its investigation
regarding spent nuclear fuel disposal be consolidated with Virginia Power's next
fuel recovery proceeding. On October 21, 1996, Virginia Power filed an
application with the Commission to increase its fuel cost recovery by
approximately $48.2 million. On November 12, 1996, the Commission ordered that
the hearing on the consolidated proceedings be delayed from November 27, 1996 to
February 27, 1997, and that Virginia Power's proposed fuel factor become
effective on December 1, 1996. On January 8, 1997, the Commission postponed the
hearing to April 17, 1997. Any potential adjustments to the factor ordered after
hearing will be reflected prospectively after entry of the final order. On March
7, 1997, the Commission Staff filed a motion requesting that the Commission
remove the spent fuel disposal issue from Virginia Power's pending fuel factor
proceeding and return it to a separate proceeding.
 
North Carolina
 
     On September 13, 1996, Virginia Power filed an application with the North
Carolina Utilities Commission for a $3.2 million decrease in fuel rates. On
December 10, 1996, the Commission approved a $3.3 million decrease, effective
January 1, 1997.
 
     On November 4, 1996, Virginia Power filed for approval of a new Schedule 19
which governs purchases from cogenerators and small power producers. Virginia
Power proposed rates substantially lower than those previously specified as well
as proposed to reduce the applicability threshold to 100 kW and shorten the
maximum term of contracts under Schedule 19 to five years.
 
                                       10
 
<PAGE>
                        VIRGINIA POWER SOURCES OF POWER
 
Virginia Power Generating Units

<TABLE>
<CAPTION>
                                                                                                      Type           Summer
                                                                                       Years           of          Capability
                        Name of Station, Units and Location                           Installed       Fuel             Mw
                        -----------------------------------                           --------   ---------------   ----------
<S> <C>
Nuclear:
  Surry Units 1 & 2, Surry, Va.....................................................   1972-73        Nuclear          1,602
  North Anna Units 1 & 2, Mineral, Va..............................................   1978-80        Nuclear          1,790(a)
                                                                                                                   ----------
     Total nuclear stations........................................................                                   3,392
                                                                                                                   ----------
Fossil Fuel:
  Steam:
     Bremo Units 3 & 4, Bremo Bluff, Va. ..........................................   1950-58         Coal              227
     Chesterfield Units 3-6, Chester, Va. .........................................   1952-69         Coal            1,250
     Clover Units 1 & 2, Clover, Va. ..............................................   1995-96         Coal              882(b)
     Mt. Storm Units 1-3, Mt. Storm, W. Va. .......................................   1965-73         Coal            1,587
     Chesapeake Units 1-4, Chesapeake, Va. ........................................   1953-62         Coal              595
     Possum Point Units 3 & 4, Dumfries, Va. ......................................   1955-62         Coal              322
     Yorktown Units 1 & 2, Yorktown, Va. ..........................................   1957-59         Coal              326
     Possum Point Units 1, 2, & 5, Dumfries, Va. ..................................   1948-75          Oil              929
     Yorktown Unit 3, Yorktown, Va. ...............................................   1974          Oil & Gas           818
     North Branch Unit 1, Bayard, W. Va. ..........................................   1994         Waste Coal            74(c)
Combustion Turbines:
  35 units (8 locations)...........................................................   1967-90       Oil & Gas         1,019
Combined Cycle:
  Chesterfield Units 7 & 8, Chester, Va. ..........................................   1990-92       Oil & Gas           397
                                                                                                                   ----------
     Total fossil stations.........................................................                                   8,426
Hydroelectric:
  Gaston Units 1-4, Roanoke Rapids, N.C. ..........................................   1963        Conventional          225
  Roanoke Rapids Units 1-4, Roanoke Rapids, N.C. ..................................   1955        Conventional           96
  Other............................................................................   1930-87     Conventional            3
  Bath County Units 1-6, Warm Springs, Va. ........................................   1985       Pumped Storage       1,260(d)
                                                                                                                   ----------
     Total hydro stations..........................................................                                   1,584
                                                                                                                   ----------
     Total Virginia Power generating unit capability...............................                                  13,402
                                                                                                                   ----------
Net Utility Purchases..............................................................                                   1,030
Non-Utility Generation.............................................................                                   3,509
                                                                                                                   ----------
     Total Capability..............................................................                                  17,941
                                                                                                                   ----------
                                                                                                                   ----------
</TABLE>
 
- ---------------

(a) Includes an undivided interest of 11.6 percent (208 Mw) owned by Old
Dominion Electric Cooperative (ODEC).

(b) Includes an undivided interest of 50 percent (441 Mw) owned by ODEC.
 
(c) Effective January 25, 1996, this unit was placed in a cold reserve status.
 
(d) Reflects Virginia Power's 60 percent undivided ownership interest in the
2,100 Mw station. A 40 percent undivided interest in the facility is owned by
Allegheny Generating Company, a subsidiary of Allegheny Power System, Inc. (AP).
 
     Virginia Power's highest one-hour integrated service area summer peak
demand of 14,003 Mw was established on August 2, 1995, and the all-time high
one-hour integrated winter peak demand of 14,910 Mw was established on February
5, 1996.
 
                                       11
 
<PAGE>
              VIRGINIA POWER SOURCES OF ENERGY USED AND FUEL COSTS
 
     The average fuel cost of system energy output is shown below:
 
<TABLE>
<CAPTION>
                                         Mills Per Kilowatt-hour
                                        -------------------------
                                        1996      1995      1994
                                        -----     -----     -----
<S> <C>                                                   
Nuclear.............................     4.48      4.92      4.89
Coal................................    14.32     14.44     14.61
Oil.................................    27.75     25.11     23.00
Purchased power, net................    21.99     22.50     23.99
Other...............................    26.98     23.82     25.46
Average fuel cost...................    13.47     13.73     14.02
</TABLE>

     System energy output is shown below:

<TABLE>
<CAPTION>
                                        Estimated             Actual
                                        ---------     ----------------------
                                          1997        1996     1995     1994
                                        ---------     ----     ----     ----
<S> <C>
Nuclear(*)..........................        33%        32 %     32 %     34 %
Coal(**)............................        40         38       39       36
Oil.................................                    1        1        3
Purchased power, net................        24         27       25       23
Other...............................         3          2        3        4
                                           ---        ----     ----     ----
                                           100%       100 %    100 %    100 %
                                           ---        ----     ----     ----
                                           ---        ----     ----     ----
</TABLE>

- ---------------

(*)  Excludes ODEC's 11.6 percent ownership interest in the North Anna Power
     Station.

(**) Excludes ODEC's 50 percent ownership interest in the Clover Power Station

Nuclear Operations and Fuel Supply

     In 1996, Virginia Power's four nuclear units achieved a combined capacity
factor of 88.2 percent.
 
     Virginia Power utilizes both long-term contracts and spot purchases to
support its needs for nuclear fuel. Virginia Power's nuclear fuel supply and
related services are expected to be adequate to support current and planned
nuclear generation requirements. Virginia Power continually evaluates worldwide
market conditions in order to obtain an adequate nuclear fuel supply. Current
agreements, inventories and market availability should support planned fuel
cycles throughout the remainder of the 1990s.
 
     On December 17, 1996, the DOE indicated that it will have to delay the
acceptance of spent fuel scheduled to begin in 1998. On-site spent nuclear fuel
storage at the Surry Power Station is adequate for Virginia Power's needs until
the DOE begins accepting spent fuel. The North Anna Power Station will require
additional spent fuel storage capacity in 1998. Virginia Power submitted a
license application to the NRC in May 1995 for such a facility at North Anna.
 
     For details regarding nuclear insurance and certain related contingent
liabilities as well as a NRC rule that requires proceeds from certain insurance
policies to be used first to pay stabilization and decontamination expenses, see
Note Q to the NOTES TO CONSOLIDATED FINANCIAL STATEMENTS in the 1996 Annual
Report to Shareholders.

Fossil Operations and Fuel Supply
 
     The commercial operation of Clover Power Station Unit 2 began on March 28,
1996. The summer capability of both Units 1 and 2 have been determined to be 441
Mw.
 
     Virginia Power's fossil fuel mix consists of coal, oil and natural gas. In
1996, Virginia Power consumed approximately 12 million tons of coal. As with
nuclear fuel, Virginia Power utilizes both long-term contracts and spot
purchases to support its needs. Virginia Power presently anticipates that
sufficient coal supplies at reasonable prices will be available for the
remainder of the 1990s. Current projections for an adequate supply of oil remain
favorable, barring unusual international events or extreme weather conditions
which could affect both price and supply.
 
     Virginia Power uses natural gas as needed throughout the year for two
combined cycle units and at several combustion turbine units. For winter usage
at the combined cycle sites, gas is purchased and stored during the summer and
fall and consumed during the colder months when gas supplies are not available
at favorable prices. Virginia Power has firm transportation contracts for the
delivery of gas to the combined cycle units. Current projections indicate gas
supplies will be available for the next several years.


                                       12

<PAGE>

Purchases and Sales of Power
 
     Virginia Power relies on purchases of power to meet a portion of its
capacity requirements. Virginia Power also makes economy purchases of power from
other utility systems when it is available at a cost lower than Virginia Power's
own generation costs.
 
     Under contracts effective January 1, 1985, Virginia Power agreed to
purchase 400 Mw of electricity annually through 1999 from Hoosier Energy Rural
Electric Cooperative, Inc. (Hoosier), and agreed to purchase 500 Mw of
electricity annually during 1987-99 from certain operating units of American
Electric Power Company, Inc. (AEP).
 
     Virginia Power has a diversity exchange agreement with AP under which AP
delivers 200 Mw to Virginia Power in the summer and Virginia Power delivers 200
Mw to AP in the winter.
 
     Virginia Power also has 65 non-utility power purchase contracts with a
combined dependable summer capacity of 3,524 Mw. Of this amount, 3,509 Mw were
operational at the end of 1996 with the balance scheduled to come on-line
through 1999 (see Non-Utility Generation under VIRGINIA POWER FUTURE SOURCES OF
POWER below and Note Q to the NOTES TO CONSOLIDATED FINANCIAL STATEMENTS in the
1996 Annual Report to Shareholders). In an effort to mitigate its exposure to
above-market long-term purchased power contracts, Virginia Power is evaluating
its long-term purchased power contracts and negotiating modifications to their
terms, including cancellations, where it is determined to be economically
advantageous to do so. Virginia Power has also negotiated settlements with
several other parties to terminate their rights to sell power to Virginia Power.
 
     In 1995, a wholesale power group was formed within Virginia Power to
actively participate in the purchase and sale of wholesale electric power in the
open market. The wholesale power group has expanded Virginia Power's trading
range beyond the geographic limits of the Virginia Power service territory, and
has developed trading relationships with utilities on a nationwide basis. During
1996, Virginia Power expanded its gas marketing activities, trading in the open
market both within and outside the Virginia Power service territory. The gas
marketing function is organized as a part of the wholesale power group and
broadens Virginia Power's product mix to provide a full range of wholesale
energy marketing services.
 
     On August 15, 1996, pursuant to the provisions of the Interconnection and
Operating Agreement between ODEC and Virginia Power, ODEC gave written notice of
its intent to reduce its supplemental demand purchases under that Agreement to
zero within nine years. 1997 supplemental demand charges (other than charges
relating to transmission and distribution which will continue in any case) are
expected to be $63 million. On November 19, 1996, Virginia Power and ODEC
reached principles of agreement providing that Virginia Power will continue to
supply all of ODEC's supplemental capacity needs through 2005, rather than the
declining amounts after 1999 under prior agreements. Under the principles of
agreement, Virginia Power's recovery of fixed charges will be reduced over time
as supplemental capacity rates transition from fully-embedded costs to
market-based pricing. Virginia Power estimates the reduced rates, offset in part
by other revenues which may be earned under the agreement, will decrease income
before taxes by approximately $38 million through 2005.

                                INTERCONNECTIONS
 
     Virginia Power maintains major interconnections with Carolina Power and
Light Company, AEP, AP and the utilities in the Pennsylvania-New Jersey-Maryland
Power Pool. Through this major transmission network, Virginia Power has
arrangements with these utilities for coordinated planning, operation, emergency
assistance and exchanges of capacity and energy.
 
     On June 19, 1996, a transmission alliance was formed among Virginia Power,
AP, Centerior Energy and Ohio Edison to promote fair and equitable use of the
transmission systems. This alliance is an outgrowth of the General Agreement on
Parallel Paths (GAPP), a group of 21 utilities, independent power producers,
cooperatives, and public power authorities, that was formed in the early 1990s
to work on a series of principles to govern inter-system wholesale power
transfers. The four utilities that are initiating the transmission alliance are
all members of the GAPP initiative and are forming the alliance to specifically
further the principles of GAPP as the electric utility industry continues the
evolution to, and beyond, open access transmission service. The alliance has
adopted the specific GAPP principles to ensure that proper reimbursement is made
to each alliance utility handling a power transfer through the parallel path
concept. A GAPP Matrix Subcommittee will determine the parallel paths any
specific transaction will take and the GAPP compensation procedure will
determine the compensation owed to the utilities involved. Virginia Power views
the alliance as an important step towards implementing flow and distance
sensitive pricing of transmission service.
 
     On December 4, 1996, Virginia Power and five other North American utilities
announced plans for a test of principles designed to maintain the reliability of
electric transmission systems, encourage optimal use of the facilities, and
ensure fair payment for their use. Virginia Power and the four other U.S.
utilities involved in the plan asked FERC for permission to test
 
                                       13
 
<PAGE>
compensation methods contained in GAPP. Using the GAPP principles, participants
in the test would use actual power flows to allocate among themselves
transmission service revenues. The five U.S. participants asked FERC for
permission to begin the test on April 2, 1997. In addition to Virginia Power,
the U.S. participants in the test include Allegheny Power, Centerior Energy,
Ohio Edison and the Southern Company. While not under FERC jurisdiction, Ontario
Hydro is also a participant in the experiment. The experiment would also give
utilities more thorough information on the use of regional transmission capacity
by utilizing the GAPP Information System (GIS). This system stores data
regarding scheduled power transactions and analyzes the anticipated paths the
power will take during the transfers. The information is essential for optimal
use of the integrated transmission network.
 
     The GAPP principles have been developed during the last five years by a
broad cross-section of transmission users, including utilities in the United
States and Canada, public power authorities, rural electric cooperatives, power
marketers and independent power producers. The principles are designed to deal
with the issue of parallel flows. Within tightly interconnected transmission
grids, power does not always flow in a direct path -- often called the "contract
path" -- from seller to buyer. The power may in fact flow through several
adjoining systems to get to the end-user, even if the buyer and seller are
directly interconnected. Under current rules, utilities are not fully
compensated for the use of these "parallel paths." Compensation for transmission
services historically has been based on contract paths. The companies in the
GAPP experiment will analyze the paths power actually takes through their
system, then allocate transmission service compensation to reflect those paths.
For the five utilities in the United States, the allocations will be based on
the open access transmission tariffs each filed with FERC in response to FERC
Order 888. In their filing, the participants noted that the test could be
expanded to include additional utilities and other entities that receive revenue
from transmission services. The test will have no effect on the rates the six
utilities charge for transmission services.
 
     Virginia Power and Appalachian Power Company (AEP Virginia) (an operating
unit of AEP) have each sought approval from the Virginia Commission to construct
interconnecting transmission facilities. AEP Virginia proposes to construct 116
miles of 765 Kv line to connect with Virginia Power's proposed 102 miles of 500
Kv line. Virginia Power does not intend to build its facility unless the AEP
Virginia facility, which requires approval in West Virginia as well as Virginia,
is also approved and built. Approval of both facilities has been recommended by
a Virginia Commission Hearing Examiner. On December 13, 1995, the Virginia
Commission issued an Interim Order in the AEP Virginia case in which it found
that additional transmission capacity is needed but directed AEP Virginia to
provide further information as to routing, mitigation of visual impact, and uses
of the line.
 
                            FUTURE SOURCES OF POWER
 
     As reported earlier, both the Hoosier 400 Mw long-term purchase and the AEP
500 Mw long-term purchase will expire on December 31, 1999. With the scheduled
termination of 900 Mw of long-term purchases and continued system load growth,
Virginia Power presently anticipates adding 1,200 Mw of short-term (three-year)
purchases beginning in the year 2000. Virginia Power has and will pursue
capacity acquisition plans to provide that capacity and maintain a high degree
of service reliability. This capacity may be owned and operated by others and
sold to Virginia Power or may be built by Virginia Power if it determines it can
build capacity at a lower overall cost. Virginia Power also pursues conservation
and demand-side management (see CONSERVATION AND LOAD MANAGEMENT below).
 
     Virginia Power's continuing program to meet future capacity requirements is
summarized in the following table:
 
Company Owned Generation
 
     No Company owned generation is currently in the planning or construction
stages.
 
Non-Utility Generation
 
<TABLE>
<CAPTION>
                                             Number of
                                             Projects                           Mw
                                             ---------                         -----
<S> <C>                                                                         
Projects Operational                             62                            3,509
Projects Financed                                 0                                0
Unfinanced Projects                               3                               15
                                                 --
                                                                               -----
Total Contracts                                  65                            3,524
                                                 --                            -----
                                                 --                            -----


</TABLE>

     For additional information, see Note Q to the NOTES TO CONSOLIDATED
FINANCIAL STATEMENTS in the 1996 Annual Report to Shareholders.
 
                                       14
 
<PAGE>
                     COMPETITION AND STRATEGIC INITIATIVES
 
     A number of developments in the United States are causing a trend toward
less regulation of and more competition in the electric utility industry. This
is evidenced by legislative and regulatory action at both the federal and state
levels. To the extent that competition is either authorized or mandated and
regulation is eliminated or relaxed, electric utilities will no longer, in the
absence of appropriate legislative or regulatory action during the transition
period, be guaranteed an opportunity to recover all of their prudently-incurred
costs including their cost of capital, and utilities with costs that exceed the
market prices established by the competitive market will run the risk of
suffering losses, which may be substantial.
 
     Virginia Power has responded to these trends by undertaking cost-cutting
measures, engaging in re-engineering efforts of its core business processes, and
pursuing a strategic planning initiative (called Vision 2000) to encourage
innovative approaches to servicing traditional markets and to develop
appropriate methods by which to service future markets. Virginia Power has
established separate business units for its nuclear operations, fossil and
hydroelectric operations, commercial operations and its energy services
business. A re-engineering and re-missioning review of the Fossil and
Hydroelectric Business Unit and Nuclear Business Unit has been completed and
implementation is now complete. The Corporate Center is now in the final stages
of review. Virginia Power's Commercial Operations Business Unit has completed
its review and has begun implementation of several organizational modifications
and applications of new technology to improve customer service and reduce
operational costs. Some of these improvements will require investments of
approximately $100 million, which will be expended over several years.
 
     Virginia Power has created a subsidiary to provide nuclear management and
operation services to electric utilities seeking assistance in the management
and operation of their nuclear generating facilities; it acquired an operating
business, A&C Enercom, Inc., a provider of marketing, program planning and
design, customer engineering and energy consulting services; it is seeking
approval to engage in the telecommunications business; and it is in the planning
stages of creating additional subsidiaries to engage in these and other
unregulated businesses. It is also taking regulatory and legislative initiatives
designed to enhance the likelihood that the transition to competition is an
orderly one and that Virginia Power will not be prevented from recovering
prudently-incurred costs and investments.
 
     In addition, Virginia Power is actively pursuing opportunities to expand
its markets through strategic alliances with partners whose strengths, market
position and strategies complement Virginia Power's and where efficiencies can
be gained through the alliance.
 
     A significant part of Virginia Power's strategy relies on developing
"non-traditional" business opportunities designed to provide growth in earnings.
The Energy Services Business Unit is the most prominent example of this growth
strategy. The Energy Services Business Unit is expected to contribute to
earnings growth by offering the market a portfolio of energy related products
and services. Other examples of such opportunities include the Fossil & Hydro
Business Unit, through which Virginia Power will target process type industries,
such as chemical, paper, plastics and petroleum to become a service provider of
instrumentation equipment, and the Nuclear Business Unit, whose position as an
industry leader offers opportunities to provide services to other nuclear
utilities striving to improve their safety records. The Commercial Operations
Business Unit will provide power distribution related service. Finally, the
Telecommunications Act of 1996 opened up opportunities to generate growth
through use of existing telecommunications infrastructure to provide
telecommunications services and new energy services through Virginia Power's
existing fiber-optic network.
 
     Virginia Power has organized a wholesale power group to engage in
off-system wholesale purchases and sales, and that group is developing trading
relationships beyond the geographic limits of Virginia Power's retail service
territory. Virginia Power has also been successful in negotiation of wholesale
requirements contracts with multi-year provisions for notice of termination of
service and a long-term contract with large federal government customers for
service to facilities within Virginia Power's service territory and has obtained
regulatory approval of innovative pricing proposals for industrial loads,
although rate concessions have been necessary in some cases. To date, Virginia
Power has not experienced any material loss of load, and the reduction of 1997
revenues attributable to such rate concessions is expected to approximate $22
million.
 
     For a more detailed discussion, see Competition under FUTURE ISSUES in
MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF
OPERATIONS.
 
                                       15
 
<PAGE>
                        CONSERVATION AND LOAD MANAGEMENT
 
     Virginia Power is committed to evaluating and selecting demand-side and
supply-side options on a consistent basis in order to provide reliable, low-cost
service to its customers. Conservation and load management programs are selected
annually at Virginia Power through an integrated resource planning process which
directly compares the stream of costs and benefits from supply-side and
demand-side options. This process supports the selection of a conservation and
load management portfolio which contributes both to the selection of low-cost
resources to meet the future electricity needs of Virginia Power's customers as
well as the efficient use of current resources.
 
     Recent declines in avoided costs and the arrival of competition have caused
Virginia Power to modify the package of cost-effective measures which it
supports in the annual Energy Efficiency Plan. In the future, Virginia Power
anticipates a greater reliance on the use of price signals to convey information
to our customers regarding costs, resulting in more efficient purchase
decisions. Finally, in an investigation sparked by the fundamental changes
occurring in the electric utility industry, the Virginia Commission has
requested Virginia Power to evaluate the Commission's current policies regarding
conservation and load management programs.

                               ITEM 2. PROPERTIES
 
     Dominion Resources owns the building at One James River Plaza, Richmond,
Virginia, in which Virginia Power has its principal offices. Dominion Resources'
other assets consist primarily of its investments in its subsidiaries, which
invest in various enterprises and assets, as described in THE COMPANY under Item
1. BUSINESS above. See also Virginia Power Generating Units under VIRGINIA POWER
SOURCES OF POWER under Item 1. BUSINESS.
 
                           ITEM 3. LEGAL PROCEEDINGS
 
     From time to time, Virginia Power may be in violation of or in default
under orders, statutes, rules or regulations relating to protection of the
environment, compliance plans imposed upon or agreed to by Virginia Power or
permits issued by various local, state and federal agencies for the construction
or operation of facilities. There may be pending from time to time
administrative proceedings involving violations of state or federal
environmental regulations that Virginia Power believes are not material with
respect to it and for which its aggregate liability for fines or penalties will
not exceed $100,000. There are no material agency enforcement actions or citizen
suits pending or, to Virginia Power's present knowledge, threatened against
Virginia Power.
 
     The civil action filed December 13, 1995, in the United States District
Court for the Eastern District of Virginia, Norfolk Division, was dismissed by
the Federal Court on August 7, 1996. However, two civil actions have been filed
in the Virginia Circuit Court of the City of Norfolk against the City of Norfolk
and Virginia Power, one for fifteen million dollars and one for three million
dollars, by property owners who each allege contamination of their respective
properties by hazardous substances originating on nearby property now owned by
the city and formerly owned by Virginia Power. Virginia Power has filed answers
denying liability. A trial date of August 18, 1997 has been set for the action
seeking fifteen million dollars.
 
     In reference to the lawsuit filed by Dominion Energy and Dominion Cogen
D.C., Inc. (collectively, Plaintiffs) against the District of Columbia (the
District) for deprivation of due process, the Court on March 4, 1997 denied in
part the District's partial motion for summary judgment on Plaintiff's contracts
clause claim and denied in its entirety the District's motion for partial
summary judgment on Plaintiff's claims for damages. The Court also permitted 1)
the District to assert its counterclaims; and 2) Plaintiffs to amend their
complaint. In addition, all parties were ordered to meet and confer regarding
the completion of discovery.

     On May 24, 1996, in the proceeding to investigate the holding company
structure and the relationship between Dominion Resources and Virginia Power,
the Virginia Commission entered an order imposing certain requirements as to the
adoption of conflict-of-interest standards, auditing of affiliate transactions,
and compensation for executive services. The proceeding was continued until July
12, 1997 to allow the Commission and its Staff to monitor the companies and
evaluate whether further action by the Commission might be desirable. A consent
order requiring Commission approval before Dominion Resources can take certain
actions involving Virginia Power was allowed to expire in accordance with its
terms on July 2, 1996.
 
          ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS
 
                                     None.
 
                                       16
 
<PAGE>
                      EXECUTIVE OFFICERS OF THE REGISTRANT
 
<TABLE>
<CAPTION>
         Name and Age                                Business Experience Past Five Years
- ------------------------------  ------------------------------------------------------------------------------
 
<S> <C>                             
Thos. E. Capps (61)             Chairman of the Board of Directors, President and Chief Executive Officer of
                                Dominion Resources from September 1, 1995 to date; Chairman of the Board of
                                Directors and Chief Executive Officer of Dominion Resources from August 15,
                                1994 to September 1, 1995; Chairman of the Board of Directors, President and
                                Chief Executive Officer of Dominion Resources from December 30, 1992 to August
                                15, 1994; President and Chief Executive Officer of Dominion Resources and Vice
                                Chairman of the Virginia Electric and Power Company Board of Directors prior
                                to December 30, 1992.
 
James T. Rhodes (55)            President and Chief Executive Officer of Virginia Electric and Power Company.
 
Norman B. M. Askew (54)         Executive Vice President of Dominion Resources and Chief Executive Officer of
                                East Midlands from February 21, 1997 to date; Chief Executive Officer of East
                                Midlands from April 1, 1994 to February 21, 1997; Managing Director from
                                September 1, 1992 to April 1, 1994; President and Managing Director of TI
                                Aerospace and Titeflex International prior to September 1, 1992.
 
Thomas N. Chewning (51)         Executive Vice President of Dominion Resources from January 1, 1997 to date;
                                Senior Vice President of Dominion Resources from October 1, 1994 to January 1,
                                1997; Vice President of Dominion Resources from November 15, 1992 to October
                                1, 1994; Vice President, Treasurer and Corporate Secretary of Virginia
                                Electric and Power Company prior to November 15, 1992.
 
David L. Heavenridge (50)       Executive Vice President of Dominion Resources from January 1, 1997 to date;
                                Senior Vice President of Dominion Resources from March 1, 1994 to January 1,
                                1997; Senior Vice President and Controller of Dominion Resources from April 1,
                                1992 to March 1, 1994; Vice President and Controller of Dominion Resources
                                prior to April 1, 1992.
 
Linwood R. Robertson (57)       Executive Vice President and Treasurer of Dominion Resources from January 1,
                                1997 to date; Senior Vice President-Finance, Treasurer and Corporate Secretary
                                of Dominion Resources from January 1, 1995 to January 1, 1997; Vice
                                President-Finance and Treasurer of Dominion Resources from March 1, 1994 to
                                January 1, 1995; Vice President, Treasurer and Assistant Corporate Secretary
                                of Dominion Resources prior to March 1, 1994.
 
Thomas F. Farrell, II (42)      Senior Vice President-Corporate and General Counsel of Dominion Resources from
                                January 1, 1997 to date; Vice President and General Counsel of Dominion
                                Resources from July 1, 1995 to January 1, 1997; Partner in the law firm of
                                McGuire, Woods, Battle & Boothe, L.L.P. prior to July 1, 1995.
 
Donald T. Herrick, Jr. (53)     Vice President of Dominion Resources.
 
James L. Trueheart (45)         Vice President and Controller of Dominion Resources from March 1, 1994 to
                                date; Assistant Controller of Dominion Resources prior to March 1, 1994.
 
Patricia A. Wilkerson (41)      Corporate Secretary of Dominion Resources from January 1, 1997 to date;
                                Assistant Corporate Secretary prior to January 1, 1997.
</TABLE>
 
                                       17
 
<PAGE>
                                    PART II
 
             ITEM 5. MARKET FOR THE REGISTRANT'S COMMON EQUITY AND
                          RELATED STOCKHOLDER MATTERS
 
     Dominion Resources common stock is listed on the New York Stock Exchange
and at December 31, 1996 there were 248,929 registered common shareholders of
record. Quarterly information concerning stock prices and dividends contained on
page 50 of the 1996 Annual Report to Shareholders for the fiscal year ended
December 31, 1996 in Note U to the NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
which is filed herein as Exhibit 13, is hereby incorporated herein by reference.
 
                        ITEM 6. SELECTED FINANCIAL DATA
 
     This information contained under the caption "Selected Consolidated
Financial Data" on page 53 of the 1996 Annual Report to Shareholders for the
fiscal year ended December 31, 1996 filed herein as Exhibit 13, is hereby
incorporated herein by reference.
 
                  ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS
                OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
 
                          FORWARD-LOOKING INFORMATION
 
     This annual report contains "forward-looking statements" as defined by the
Private Securities Litigation Reform Act of 1995, including (without limitation)
discussions as to expectations, beliefs, plans, objectives and future financial
performance, or assumptions underlying or concerning matters discussed in this
document. These discussions, and any other discussions contained in this report
that are not historical facts, are forward-looking and, accordingly, involve
estimates, projections, goals, forecasts, assumptions and uncertainties that
could cause actual results or outcomes to differ materially from those expressed
in the forward-looking statements. In addition to certain contingency matters
(and their respective cautionary statements) discussed elsewhere in this report,
the following important factors should be considered with respect to any
forward-looking statements made herein:
 
     Current governmental policies and regulatory actions both domestic and
international (including those of FERC, the EPA, the NRC and the Virginia
Commission), industry and rate structure, operation of nuclear power facilities,
acquisition and disposal of assets and facilities, operation and storage
facilities, recovery of the cost of purchased power, nuclear decommissioning
costs, present or prospective wholesale and retail competition, economic and
geographic factors including political and economic risks (particularly those
associated with international development and operations, including currency
fluctuation), changes in and compliance with environmental laws and policies,
weather conditions and catastrophic weather related damage, competition for
retail and wholesale customers, pricing and transportation of commodities,
market demand for energy, inflation, capital market conditions, unanticipated
development project delays or changes in project costs, unanticipated changes in
operating expenses and capital expenditures, competition for new energy
development opportunities and legal and administrative proceedings. All such
factors are difficult to predict, contain uncertainties that may materially
affect actual results, and may be beyond the control of Dominion Resources. New
factors emerge from time to time and it is not possible for management to
predict all of such factors, nor can it assess the impact of each such factor on
the businesses of Dominion Resources.
 
     Any forward-looking statement speaks only as of the date on which such
statement is made, and Dominion Resources undertakes no obligation to update any
forward-looking statement or statements to reflect events or circumstances after
the date on which such statement is made.
 
Overview
 
     Dominion Resources achieved earnings of $472.1 million in 1996 or $2.65 per
average common share, compared with earnings of $425 million in 1995 or $2.45
per share. Virginia Power's utility operations increased its contribution to
$421.8 million in 1996 or $2.37 per share, from the $388.7 million earned in
1995 or $2.24 per share. Dominion Energy's independent power and natural gas
operations earned $32.5 million in 1996 or 18 cents per share, a slight decrease
from the $35 million earned in 1995 or 20 cents per share. Dominion Capital's
financial services and real estate businesses earned $28.5 million in 1996 or 16
cents per share, an increase over the $17.6 million earned in 1995 or 10 cents
per share. Corporate overhead expenses fell in 1996, reducing its net loss to
$10.7 million or 6 cents per share, compared with a net loss in 1995 of $16.3
million or 9 cents per share.
 
                                       18

<PAGE>
                                   NET INCOME

<TABLE>
<CAPTION>
                                                                           1996      Change      1995      Change      1994
                                                                          ------     ------     ------     ------     ------
                                                                                              (millions)
<S> <C>
Virginia Power........................................................    $421.8       8.5%     $388.7      (4.0)%    $404.9
Dominion Energy.......................................................      32.5      (7.1)%      35.0     (41.3)       59.6
Dominion Capital......................................................      28.5      61.9%       17.6      (6.9)%      18.9
Corporate.............................................................     (10.7)    (34.4)%     (16.3)    213.5%       (5.2)
                                                                          ------                ------                ------
Consolidated..........................................................    $472.1      11.1%     $425.0     (11.1)%    $478.2
                                                                          ------                ------                ------
                                                                          ------                ------                ------
Shares................................................................     178.3       2.6%      173.8       2.1%      170.3
                                                                          ------                ------                ------
                                                                          ------                ------                ------
</TABLE>

                               EARNINGS PER SHARE

<TABLE>
<CAPTION>
                                                                              1996      Change     1995      Change     1994
                                                                              -----     ------     -----     ------     -----
<S> <C>
Virginia Power............................................................    $2.37       5.8%     $2.24      (5.9)%    $2.38
Dominion Energy...........................................................      .18     (10.0)%      .20     (42.9)%      .35
Dominion Capital..........................................................      .16      60.0%       .10      (9.1)%      .11
Corporate.................................................................     (.06)     33.3%      (.09)   (200.0)%     (.03)
                                                                              -----                -----                -----
Consolidated..............................................................    $2.65       8.2%     $2.45     (12.8)%    $2.81
                                                                              -----                -----                -----
                                                                              -----                -----                -----
</TABLE>

     The 1996 results were affected by a number of factors described below:

  Virginia Power

     Earnings were impacted by:

     (Bullet) an increase in kilowatt-hour sales from retail customers due to
              continued customer growth in the Virginia Power and North Carolina
              Power service areas; partially offset by lower base revenues due
              to the effect of mild summer weather in 1996 on summer retail
              rates; and
 
     (Bullet) an increase in power marketing (wholesale) and energy services
              (A&C Enercom) revenues; and
 
     (Bullet) lower other operation and maintenance expenses, even with an
              additional $21 million in service restoration costs resulting from
              severe storms like Hurricane Fran, and an additional $22 million
              due to growth in the energy services business (A&C Enercom); and
 
     (Bullet) lower restructuring expenses; and

     (Bullet) higher depreciation expenses relating to the new Clover Power
              Station whose units began operating in October 1995 and March
              1996.
 
  Dominion Energy
 
     Earnings were impacted by:

     (Bullet) an increase in natural gas production and prices; offset by
 
     (Bullet) a decrease in income when compared to the gain ($5.4 million, net
              of tax) realized in 1995 from the sale of the remaining units of
              the Black Warrior Trust.
 
  Dominion Capital
 
     Earnings were impacted by:
 
     (Bullet) an increase in income from Saxon Mortgage, the new financial
              services business which originates non-conforming residential
              mortgages and packages them -- through a securitization -- for
              sale to institutional investors.
 
  Corporate
 
     Earnings were impacted by:
 
     (Bullet) a decrease in expenses when compared to the $12.4 million of
              restructuring costs and other charges incurred in 1995.

Virginia Power
 
  Results of Operations
 
     As part of the Vision 2000 program to transition Virginia Power to a
potential future of competition in the electric utility industry, Virginia Power
recorded $91.6 million in restructuring expenses in 1996 and $117.9 million in
1995 (see Note O). Restructuring charges included severance costs, purchased
power contract restructuring and negotiated settlement costs, capital project
cancellation costs, reserve for expected adjustments to regulatory assets, and
other costs. Without restructuring
 
                                       19

<PAGE>
expenses, balance available for common stock in 1996 and 1995 would have
increased by $59.5 million and $76.6 million, respectively.
 
     Virginia Power estimates that the staffing reductions will result in annual
savings in the range of $62 million to $90 million. When realized, savings from
staffing reductions will be reflected in lower construction expenditures as well
as lower operation and maintenance expenses. While Virginia Power may incur
additional charges for further staffing reductions in 1997, the amounts are not
expected to be significant.
 
     In 1995, Virginia Power reported a decrease in balance available for common
stock of $16.2 million when compared to the 1994 results of $404.9 million. The
decrease was primarily due to increases in operating expenses attributable to
restructuring costs which reduced earnings by $0.44 per share offset in part by
an increase in kilowatt-hour sales from both retail and wholesale customers.
 
<TABLE>
<CAPTION>
                                                                       1996       Change       1995       Change       1994
                                                                     --------     ------     --------     ------     --------
                                                                                            (millions)
<S> <C>
Revenues.........................................................    $4,382.6       0.7%     $4,350.4       4.3%     $4,170.8
Operating expenses...............................................     3,379.4       0.0%      3,379.2       5.0%      3,219.5
Nonoperating expenses, net.......................................       581.4       0.2%        582.5       6.6%        546.4
                                                                     --------                --------                --------
Balance available for common stock...............................    $  421.8       8.5%     $  388.7      (4.0)%    $  404.9
                                                                     --------                --------                --------
                                                                     --------                --------                --------
</TABLE>

  Operating Revenues
 
     As detailed in the chart below, the decrease in 1996 retail revenues
reflects a reduction in fuel rate revenues and a reduction in base revenues due
to the effect of the mild summer weather in 1996 on Virginia Power's summer
retail rates which are designed to reflect expected usage during normal weather
conditions, offset in part by continued customer growth during 1996. The
increased sales to wholesale customers were primarily a result of Virginia
Power's marketing efforts during 1996, offset by a decrease in sales to Old
Dominion Electric Cooperative (ODEC) due to completion of Clover Units 1 and 2,
of which ODEC owns a 50 percent interest. Other operating revenues increased
primarily as a result of the revenues generated by Virginia Power's energy
services subsidiary, A&C Enercom.
 
     In 1995 Virginia Power's revenues increased primarily due to the weather
experienced in the last six months of 1995, customer growth and increased sales
to wholesale customers.
 
                               OPERATING REVENUES
<TABLE>
<CAPTION>
                                                                                                                  Increase
                                                                                                                 (decrease)
                                                                                                              from prior year
                                                                                                              ----------------
                                                                                                               1996      1995
                                                                                                              ------    ------
                                                                                                                 (millions)
<S> <C>
Customer growth............................................................................................   $ 52.5    $ 76.2
Weather....................................................................................................      4.4      81.6
Base rate variance.........................................................................................    (35.5)      6.3
Fuel rate variance.........................................................................................    (89.6)     (8.9)
Other, net.................................................................................................     34.1      (6.0)
                                                                                                              ------    ------
  Total retail.............................................................................................    (34.1)    149.2
Wholesale..................................................................................................     33.1      32.8
Other operating revenues...................................................................................     33.2      (2.4)
                                                                                                              ------    ------
  Total revenues...........................................................................................   $ 32.2    $179.6
                                                                                                              ------    ------
                                                                                                              ------    ------
</TABLE>
 
     During 1996, Virginia Power had 44,528 new connections to its system
compared to 44,955 and 46,741 in 1995 and 1994, respectively.
 
                              KILOWATT-HOUR SALES
 
<TABLE>
<CAPTION>
                                                                                  1996     Change     1995     Change     1994
                                                                                 ------    ------    ------    ------    ------
                                                                                                   (millions)
<S> <C>
Residential...................................................................   23,039      2.3%    22,512      4.1%    21,621
Commercial....................................................................   19,934      2.3%    19,486      3.6%    18,801
Industrial....................................................................   10,851      2.3%    10,606      3.6%    10,235
Public authorities............................................................    8,474      2.6%     8,261      4.0%     7,950
                                                                                 ------              ------              ------
  Total retail sales..........................................................   62,298      2.4%    60,865      3.8%    58,607
Wholesale.....................................................................   11,020     36.3%     8,088     13.4%     7,134
                                                                                 ------              ------              ------
  Total sales.................................................................   73,318      6.3%    68,953      4.9%    65,741
                                                                                 ------              ------              ------
                                                                                 ------              ------              ------
</TABLE>
 
                                       20
 
<PAGE>
     The increase in retail kilowatt-hour sales in 1996 compared to 1995
reflects continued customer growth. The increase in sales to wholesale customers
was primarily due to Virginia Power's power marketing efforts.

     The increase in kilowatt-hour sales in 1995 compared to 1994 reflects
increased customer growth and the weather experienced in the last six months of
1995, partially offset by the milder weather experienced in the first six months
of 1995.
 
                               DEGREE-DAYS CHART
 
<TABLE>
<CAPTION>
                                                                                                       1996     1995     Normal
                                                                                                       -----    -----    ------
<S> <C>                                                                                                                
Cooling degree days.................................................................................   1,365    1,667    1,531
Percentage change compared to prior year............................................................   (18.1)%    3.3%
Heating degree days.................................................................................   4,131    3,790    3,672
Percentage change compared to prior year............................................................     9.0%     7.8%
</TABLE>
 
                               OPERATING EXPENSES
                        (EXCLUDING FEDERAL INCOME TAXES)

<TABLE>
<CAPTION>
                                                                         1996      Change      1995      Change      1994
                                                                       --------    ------    --------    ------    --------
                                                                                            (millions)
<S> <C>
Fuel, net...........................................................   $  987.0     (2.0)%   $1,006.9      3.5%    $  973.0
Purchased power capacity, net.......................................      700.5      1.8%       688.4      2.8%       669.4
Other operation.....................................................      546.9      0.6%       543.7     (5.8)%      577.4
Maintenance.........................................................      250.9     (3.7)%      260.5     (1.0)%      263.2
Restructuring.......................................................       91.6    (22.3)%      117.9
Depreciation and amortization.......................................      536.4      6.5%       503.5      4.7%       480.7
Taxes, other than federal income....................................      266.1      3.0%       258.3      1.0%       255.8
                                                                       --------              --------              --------
Total...............................................................   $3,379.4      0.0%    $3,379.2      5.0%    $3,219.5
                                                                       --------              --------              --------
                                                                       --------              --------              --------
</TABLE>
 
     Maintenance decreased compared to 1995, primarily as a result of a
reduction in expenses attributable to Virginia Power's Vision 2000 initiatives,
offset in part by the higher storm damage costs incurred from destructive summer
storms, including Hurricane Fran.
 
     Depreciation and amortization increased compared to 1995, primarily as a
result of greater nuclear decommissioning expense and depreciation related to
Clover Units 1 and 2 which were placed in service in October 1995 and March
1996, respectively.
 
     Other operation and maintenance decreased in 1995 compared to 1994.
Expenses during 1994 included payroll and voluntary separation costs for those
employees who elected to terminate service with Virginia Power under the 1994
Early Retirement and Voluntary Separation Programs, offset in part by
recognition of insurance policyholder distributions. Expenses in 1995 reflected
a decrease in payroll costs due to reduced staffing levels and weather-related
overtime, offset by 1995 salary increases and the impact of employees being
reassigned from capital to operation and maintenance activities. In addition,
1995 expenses include expenses associated with the North Branch Power Station,
increased obsolete inventory costs, increased accruals for employee benefits,
and increased nuclear outage costs.
 
  Nonoperating Income and Expenses, Net
 
     Nonoperating expenses, net increased in 1995 as compared to 1994 primarily
as a result of higher interest rates on the utility's First and Refunding
Mortgage Bonds and Pollution Control Notes and as a result of a reduction of
$10.6 million in the interest accrued for prior years on certain tax obligations
in 1994.
 
Dominion Energy
 
  New Businesses
 
     Dominion Energy has expanded its oil and natural gas and foreign power
generation businesses through the development of existing assets and the
following acquisitions.
 
     In March 1996, Dominion Energy, through a wholly-owned subsidiary, acquired
interests in natural gas and oil properties in the Gulf of Mexico. The estimated
proved reserves from this acquisition were 36 billion cubic feet of natural gas
and 1.9 million barrels of oil and liquids.
 
     In April 1996, Dominion Energy acquired a gas management and marketing
company, Carthage Energy Services, Inc.
 
     In August 1996, Dominion Energy, through wholly-owned subsidiaries,
acquired a 60-percent ownership and management interest in Empresa de Generacion
Electrica NorPeru S.A. (EGENOR). EGENOR is a generation company providing power
to Peru's northern region. The government-owned ElectroPeru S.A. and the
employees of EGENOR collectively retain
 
                                       21
 
<PAGE>
a 40-percent interest in EGENOR. Dominion Energy continues to assess sale
opportunities for a portion of its interest in EGENOR to a third party.
 
  Results of Operations
 
     Dominion Energy's net income amounted to $32.5 million as compared to $35
million in 1995. The decrease in earnings was due primarily to a reduction in
the company's reported gain on sale of assets which in 1995 included a $5.4
million after tax gain on the sale of Black Warrior Trust Units.
 
     In 1995, net income decreased by $24.6 million when compared to 1994
primarily due to the sale of the Black Warrior Trust Units in 1994. The sale of
the units, which hold royalty interests in proven, developed natural gas
properties, provided a net gain of $28.9 million in 1994.

<TABLE>
<CAPTION>
                                                                           1996      Change      1995      Change      1994
                                                                          ------     ------     ------     ------     ------
                                                                                              (millions)
<S> <C>
Revenues..............................................................    $267.1       46.5%    $182.3     (13.4)%    $210.6
Operating expenses....................................................     233.8       54.7%     151.1       1.8%      148.4
Nonoperating expenses, net............................................       0.8      121.1%      (3.8)   (246.2)%       2.6
                                                                          ------                ------                ------
Net income............................................................    $ 32.5       (7.1)%   $ 35.0     (41.3)%    $ 59.6
                                                                          ------                ------                ------
                                                                          ------                ------                ------
</TABLE>
 
  Revenues
 
     In 1996, revenues increased compared to 1995 by $84.8 million. The increase
was due to added capacity in foreign power generation resulting from a full year
of operations by Empresa Electrica Corani S.A. (Corani) in Bolivia and the 1996
acquisition of EGENOR. In addition, gas price increases and the increase in gas
production due to the acquisition and development of natural gas properties
provided additional revenues in 1996 not available in 1995.
 
     In 1995, revenues decreased as compared to 1994 by $28.3 million due to the
sale in 1994 of the Black Warrior Trust Units. This revenue reduction was
partially offset by the increase in 1995 in gas revenues due to increased gas
prices and production.
 
  Operating Expenses
 
     In 1996, operating expenses increased by $82.7 million as compared to 1995,
primarily due to a full year's incurrence of operating, maintenance and
depreciation expenses at Corani. The increase was also due to similar expenses
incurred by EGENOR, which was not part of Dominion Energy's operations in 1995,
and the additional depreciation and depletion expenses incurred due to the
acquisition and development of oil and gas properties.
 
Dominion Capital
 
  New Businesses
 
     On May 13, 1996, Dominion Capital, through a wholly-owned subsidiary,
acquired the stock of Saxon Mortgage, Inc. (Saxon Mortgage), the company's
single-family mortgage origination division and Meritech Mortgage Services,
Inc., the company's single-family mortgage servicing operation. Dominion Capital
also organized a new indirect subsidiary, Saxon Asset Securities, Inc., which is
responsible for securitizing the single-family residential loans.
 
  Results of Operations
 
     Dominion Capital's net income for 1996 amounted to $28.5 million as
compared to $17.6 million in 1995. The increase in earnings was primarily due to
residential mortgage loan securitizations performed by Saxon Asset Securities,
Inc.
 
     In 1995, Dominion Capital reported a decrease in net income of $1.3 million
when compared to the 1994 results of $18.9 million. The results were primarily
due to the increase in taxes because of a reduction in other tax benefits and
higher income subject to tax. These expenses were offset in part by an increase
in revenues at First Source Financial, Inc. (First Source Financial). First
Source Financial, which began operations in April 1995, is a commercial lender
to middle-market businesses.
 
<TABLE>
<CAPTION>
                                                                                   1996     Change     1995     Change    1994
                                                                                  ------    ------    ------    ------    -----
                                                                                                   (millions)
<S> <C>
Revenues.......................................................................   $186.3     66.6%    $111.8     12.7%    $99.2
Operating expenses.............................................................    106.1     70.0%      62.4     (6.2)%    66.5
Nonoperating expenses, net.....................................................     51.7     62.6%      31.8    130.4%     13.8
                                                                                  ------              ------              -----
Net income.....................................................................   $ 28.5     61.9%    $ 17.6     (6.9)%   $18.9
                                                                                  ------              ------              -----
                                                                                  ------              ------              -----
</TABLE>
 
                                       22
 
<PAGE>
  Revenues
 
     In 1996, Dominion Capital's revenues increased $74.5 million when compared
to 1995 primarily due to the gains recognized in the securitizations of
residential mortgage loans which contributed $41.9 million to revenues.

     Revenues in 1995 were $12.6 million higher than revenues in 1994 primarily
due to revenues from First Source Financial.
 
  Operating Expenses
 
     In 1996, operating expenses increased by $43.7 million when compared to
1995 due to additional real estate project costs and the operating expenses
incurred at Saxon Mortgage, which was acquired in 1996 by Dominion Capital.
 
  Nonoperating Income and Expenses, Net
 
     Nonoperating expenses, net increased by $19.9 million in 1996 compared to
1995 primarily due to an increase in pre-tax book income.
 
     Federal income taxes increased in 1995 compared to 1994 by $18.3 million
primarily due to the decrease in other tax benefits plus higher income subject
to tax.
 
Corporate
 
  Results of Operations

     In 1996, Corporate net loss has decreased by $5.6 million compared to 1995
primarily due to $3.6 million in restructuring expenses and the $8.8 million in
other charges recorded in 1995. These expenses included restructuring costs at
the holding company as well as litigation and other costs.
 
     Net income in 1995 decreased $11.1 million compared to 1994 primarily due
to the recording of $3.6 million of restructuring expenses and $8.8 million in
other charges.
 
Future Issues
 
  Utility Issues
 
     Regulatory Matters: Regulatory policy continues to be of fundamental
importance to Virginia Power.
 
     On October 7, 1996, the Virginia State Corporation Commission (the Virginia
Commission) ordered that its investigation regarding spent nuclear fuel disposal
be consolidated with Virginia Power's next fuel recovery proceeding. On October
21, 1996, Virginia Power filed an application with the Virginia Commission to
increase its annual fuel cost recovery approximately $48.2 million. The proposed
fuel factor became effective on December 1, 1996. A hearing has been scheduled
for April 17, 1997. Any potential adjustments to the factor ordered after the
hearing will be reflected prospectively after entry of the final order.
 
     On November 12, 1996, the Virginia Commission instituted a proceeding and
directed Virginia Power to provide certain information, including any
alternative form of regulation proposed by Virginia Power at this time, by March
31, 1997. On March 7, 1997, in this proceeding and in a separate Annual
Information Filing proceeding, the Virginia Commission entered an order
providing that Virginia Power's rates shall become interim rates subject to
refund as of March 1, 1997.
 
     Various provisions of the Energy Policy Act of 1992 (the Energy Act) that
could affect Virginia Power include those provisions encouraging the development
of non-utility generation, giving the Federal Energy Regulatory Commission
(FERC) authority to order transmission access for wholesale transactions,
requiring higher energy efficiency and alternative fuels use, restructuring of
nuclear plant licensing procedures and requiring state regulatory authorities to
give full rate treatment for the effects of conservation and demand management
programs, including the effects of reduced sales. While the full impact of the
Energy Act on Virginia Power cannot at this time be quantified, it is likely,
over time, to be significant.

     Competition: A number of developments in the United States are causing a
trend toward less regulation of and more competition in the electric utility
industry. This is evidenced by legislative and regulatory action at both the
federal and state levels. To the extent that competition is either authorized or
mandated and regulation is eliminated or relaxed, electric utilities will no
longer, in the absence of appropriate legislative or regulatory action during
the transition period, be guaranteed an opportunity to recover all of their
prudently-incurred costs including their cost of capital, and utilities with
costs that exceed the market prices established by the competitive market will
run the risk of suffering losses, which may be substantial.
 
     Virginia Power has responded to these trends by undertaking cost-cutting
measures, engaging in re-engineering efforts of its core business processes, and
pursuing a strategic planning initiative (called Vision 2000) to encourage
innovative approaches to servicing traditional markets and to develop
appropriate methods by which to service future markets. Virginia Power has
established separate business units for its nuclear operations, fossil and
hydroelectric operations, commercial operations and its energy services
business. It has created a subsidiary to provide nuclear management and
operation services
 
                                       23
 
<PAGE>
to electric utilities seeking assistance in the management and operation of
their nuclear generating facilities; it has acquired an operating business, A&C
Enercom, Inc., a provider of marketing, program planning and design, customer
engineering and energy consulting services; it is seeking approval to engage in
the telecommunications business; and it is in the planning stages of creating
additional subsidiaries to engage in these and other unregulated businesses. It
is also taking regulatory and legislative initiatives designed to enhance the
likelihood that the transition to competition is an orderly one and that
Virginia Power will not be prevented from recovering prudently-incurred costs
and investments.
 
     In addition, Virginia Power is actively pursuing strategic alliances with
partners whose strengths, market position and strategies complement Virginia
Power's and where efficiencies can be gained through the alliance.
 
     Virginia Power has organized a wholesale power group to engage in
off-system wholesale purchases and sales, and that group is developing trading
relationships beyond the geographic limits of Virginia Power's retail service
territory. Virginia Power has also been successful in negotiation of wholesale
requirements contracts with multi-year provisions for notice of termination of
service and a long-term contract with large federal government customers for
service to facilities within Virginia Power's service territory and has obtained
regulatory approval of innovative pricing proposals for industrial loads,
although rate concessions have been necessary in some cases. To date, Virginia
Power has not experienced any material loss of load, and the reduction in 1997
revenues attributable to such rate concessions is expected to approximate $22
million.
 
     Competition-Wholesale: Competition at the wholesale level has been mandated
by the Energy Act and FERC regulations thereunder. During 1996, sales to
wholesale customers represented approximately 8 percent of Virginia Power's
total revenues from electric sales. Approximately 4 percent of wholesale
revenues resulted from Virginia Power's marketing efforts to make off-system
sales.
 
     FERC established the requirements for open transmission access and related
matters in final rules issued on April 24, 1996 in Order No. 888 and Order No.
889. This enables other suppliers of power to displace electric service provided
by a utility to wholesale customers served by the utility's transmission system,
unless those customers are required by contract to take service from the
utility. The orders required utilities to file with FERC an open access
transmission tariff, which Virginia Power did on July 9, 1996; they require
utilities to take transmission service under that tariff for wholesale power
sales; they provide for utilities to recover legitimate, prudent and verifiable
costs that would be unrecoverable in a competitive market (stranded costs); they
require utilities to participate in an open access same-time information system
(OASIS); and they require separation of transmission operations and reliability
functions from wholesale merchant and marketing functions. FERC also issued a
notice of proposed rulemaking proposing replacement of open access tariffs with
a capacity reservation tariff by December 31, 1997. On March 4, 1997, FERC
issued Order No. 888-A, in which it addressed requests for rehearing of Order
No. 888. Order No. 888-A essentially reaffirms the basic principles of Order No.
888 and clarifies and makes limited modifications to Order No. 888. Parties
seeking judicial review of Order Nos. 888 and 888-A must file petition for
review with the appropriate United States Court of Appeal by May 5, 1997.
 
     On August 15, 1996, pursuant to the provisions of the Interconnection and
Operating Agreement between ODEC and Virginia Power, ODEC gave written notice of
its intent to reduce its supplemental demand purchases under that Agreement to
zero within nine years. 1997 supplemental demand charges (other than charges
relating to transmission and distribution which will continue in any case) are
expected to be $63 million. On November 19, 1996, Virginia Power and ODEC
reached principles of agreement providing that Virginia Power will continue to
supply all of ODEC's supplemental capacity needs through 2005, rather than the
declining amounts after 1999 under prior agreements. Under the principles of
agreement, Virginia Power's recovery of fixed charges will be reduced over time
as supplemental capacity rates transition from fully-embedded costs to
market-based pricing. Virginia Power estimates the reduced rates, offset in part
by other revenues which may be earned under the agreement, will decrease income
before taxes by approximately $38 million through 2005.
 
     Competition-Retail: General retail competition presently is not authorized
in Virginia and North Carolina, and as a result Virginia Power faces competition
for retail sales only in the ability of certain business customers to relocate
among utility service territories, to substitute other energy sources for
electric power, and to generate their own electricity. But major customers,
principally industrial, and other suppliers of power are advocating retail
competition vigorously in Congress and in the Virginia and North Carolina
legislatures and commissions. Legislation either to authorize or require retail
competition is under consideration in the present Congress; a joint subcommittee
of the Virginia Senate and House of Delegates is considering whether and how
such competition should be allowed or required; and legislation is pending
before the North Carolina General Assembly that would establish a study
commission to determine whether legislation is necessary to ensure adequate,
reliable and economical electric service in light of current trends in the
industry.
 
     Virginia Power has been advocating a cautious and measured approach to the
question of retail competition. In 1996 it initiated legislation, which was
enacted by the Virginia General Assembly and became effective on July 1, 1996,
that authorizes the Virginia Commission to approve alternative forms of
regulation, economic development rates and packages of incentive rates; that
facilitates a regulated utility's ability to enter into joint ventures and
partnerships; that authorizes the
 
                                       24
 
<PAGE>
Virginia Commission to determine the treatment of stranded costs for service to
federal customer accounts, which are otherwise outside the Commission's
ratemaking jurisdiction; that establishes that a local referendum must be held
before municipalization of utility services may occur for services previously
provided by a utility; and that authorizes the Virginia Commission to determine
stranded cost payments when utility property is condemned by a municipality or
other corporation possessing the power of eminent domain. Virginia Power has
also obtained regulatory approval of innovative pricing proposals for industrial
loads in Virginia and North Carolina and entered into an energy partnership with
a key industrial customer.
 
     The Virginia Commission is taking an active interest in retail competition
in the electric utility industry and the industry restructuring that might
accompany such competition. It has instituted both a generic investigation of
industry restructuring and competition and a separate proceeding specifically
involving Virginia Power. Virginia Power has proposed in that case an
alternative regulatory plan intended to facilitate an orderly transition to
competition, if such competition should be allowed, including full recovery of
any potentially stranded costs. Virginia Power's case was filed with the
Commission on March 24, 1997, and it proposes a freeze of present rates through
December 31, 2002, during which a portion of earnings above the approved level
would be used to accelerate the write-off of generation-related regulatory
assets and mitigate the costs associated with payments under power purchase
contracts with non-utility generators. If the proposed plan is approved,
Virginia Power would commit to writeoff $494 million of regulatory assets or
other potentially stranded costs during the five-year rate freeze period;
however, Virginia Power believes that current rates, which are requested to
remain in effect, would be sufficient to permit the recognition of these costs
without adversely impacting the results of operations during and after the five-
year period. Virginia Power also seeks approval of the principle of stranded
cost recovery as well as approval of a Transition Cost Charge mechanism by which
costs that may become stranded at the onset of competition will be recoverable
from customers who elect to purchase their power in the competitive market if
retail competition is allowed in Virginia. The Commission has not established a
procedural schedule for Virginia Power's case.
 
     For a more detailed description of the Virginia Commission proceedings, see
Regulation under Item 1. BUSINESS.
 
     Competition-SFAS 71: Virginia Power's regulated rates are designed to
recover its prudently incurred costs of providing service, including the
opportunity to earn a reasonable return on its shareholders' investment.
Virginia Power's financial statements reflect assets and costs under this
cost-based rate regulation in accordance with Statement of Financial Accounting
Standards No. 71 (SFAS 71), "Accounting for the Effects of Certain Types of
Regulation," which provides that certain expenses normally reflected in income
are deferred on the balance sheet as regulatory assets and are recognized as the
related amounts are included in rates and recovered from customers. Continued
accounting under SFAS 71 requires that rates designed to recover the utility's
specific costs of providing service, are, and will continue to be, established
by regulators. The presence of increasing competition that limits the utility's
ability to charge rates that recover its costs, or a change in the method of
regulation with the same effect, could result in the discontinued applicability
of SFAS 71.
 
     Rate-regulated companies are required to write off regulatory assets
against earnings whenever those assets no longer meet the criteria for
recognition as defined by SFAS 71. In addition, SFAS 121, "Accounting for the
Impairment of Long-Lived Assets and for Long-Lived Assets to Be Disposed Of,"
requires a review of long-lived assets for impairment whenever events or changes
in circumstances, such as those used to determine continued applicability of
SFAS 71, indicate that the carrying amount of an asset may not be recoverable.
 
     Virginia Power's operations currently satisfy the SFAS 71 criteria.
However, if events or circumstances should change so that those criteria are no
longer satisfied, management believes that a material adverse effect on Virginia
Power's results of operations and financial position may result. In light of
changes predicted for the electric utility industry, Virginia Power will
continue monitoring its regulated operations in light of the SFAS 71
requirements.
 
     Competition -- Exposure to Potentially Stranded Costs: Under traditional
cost-based regulation, utilities have generally had an obligation to serve
supported by an implicit promise of the opportunity to recover prudently
incurred costs. The most significant potential adverse effect of competition is
"stranded costs," those costs incurred or commitments made by utilities under
cost-based regulation that may not be reasonably expected to be recovered in a
competitive market. Regulatory assets recognized under SFAS 71, unrecovered
investment in power plants, commitments such as long-term purchased power
contracts and nuclear decommissioning costs are items that may become stranded
costs if prices for electric services are determined by the market rather than
based on the cost of providing that service.
 
     Virginia Power's potential exposure to stranded costs is comprised of
long-term purchased power contracts that may be above market, costs pertaining
to certain generating plants that may become uneconomic in a deregulated
environment and regulatory assets for items such as income tax benefits
previously flowed-through to customers, deferred losses on reacquired debt, and
other costs (see Note D to the NOTES TO CONSOLIDATED FINANCIAL STATEMENTS in the
1996 Annual Report to Shareholders). In addition, unfunded obligations for
nuclear plant decommissioning and postretirement benefits not yet recognized in
the financial statements could contribute to Virginia Power's exposure to
potentially stranded costs (see
 
                                       25
 
<PAGE>
Notes A and N to the NOTES TO CONSOLIDATED FINANCIAL STATEMENTS in the 1996
Annual Report to Shareholders).
 
     Any forecast of potentially stranded costs is inextricably tied to the
assumptions made at the time of the analysis, including the timing of open
access (customer choice) in the market for electric service, the extent of open
access permitted, potential prices in the competitive market, sales and load
growth forecasts, future operating performance, rate revenues permitted during
the transition, cost structure over time, mitigation opportunities and stranded
cost recovery mechanisms. The calculation of potentially stranded costs is
extremely sensitive to the various assumptions made. Certain combinations of
these assumptions as applied to Virginia Power would produce little to no
stranded costs; under other scenarios Virginia Power's exposure to potentially
stranded costs could be substantial.
 
     Virginia Power is presently assessing the reasonableness of various
possible assumptions, but it has not been able to settle on any particular
combination thereof. Thus Virginia Power's maximum exposure to potentially
stranded costs is uncertain, as is the extent to which such costs, if any, will
be recoverable from customers. Virginia Power believes that recovery of such
costs, if any, is appropriate and will vigorously pursue the recovery of any
potentially stranded costs with the regulatory commissions having jurisdiction
over its operations and continue to implement cost-reduction measures in an
effort to mitigate the amount at risk.
 
     Presently, Virginia Power expects to continue to operate under regulation
and to recover its cost of providing traditional electric service. However, the
form of cost-based rate regulation under which Virginia Power operates is likely
to evolve as a result of various legislative or regulatory initiatives,
including Virginia Power's alternative regulatory plan filed with the Virginia
Commission on March 24, 1997.
 
     At this time, Virginia Power management can predict neither the ultimate
outcome of regulatory reform in the electric utility industry nor the impact
such changes would have on Virginia Power.
 
     Environmental Matters: Virginia Power is subject to rising costs resulting
from a steadily increasing number of federal, state and local laws and
regulations designed to protect human health and the environment. These laws and
regulations affect future planning and existing operations. They can result in
increased capital, operating and other costs as a result of compliance,
remediation, containment, and monitoring obligations of Virginia Power. These
costs have been historically recovered through the ratemaking process; however,
should material costs be incurred and not recovered through rates, Virginia
Power's results of operations and financial condition could be adversely
impacted.
 
     Virginia Power incurred expenses of $71.1 million, $68.3 million, and $67.3
million (including depreciation) during 1996, 1995, and 1994, respectively, in
connection with the use of environmental protection facilities and expects these
expenses to be approximately $71.5 million in 1997. In addition, capital
expenditures to limit or monitor hazardous substances were $22.4 million, $23.4
million, and $47.3 million for 1996, 1995, and 1994, respectively. The amount
estimated for 1997 for these expenditures is $14.3 million.
 
     The Clean Air Act, as amended in 1990, requires Virginia Power to reduce
its emissions of sulfur dioxide (SO(2)) and nitrogen oxides (NO(x)). Beginning
in 1995, the SO(2) reduction program is based on the issuance of a limited
number of SO(2) emission allowances, each of which may be used as a permit to
emit one ton of SO(2) into the atmosphere or may be sold to someone else. The
program is administered by the Environmental Protection Agency (EPA).

     Virginia Power has installed SO(2) control equipment on Unit 3 at Mt. Storm
Power Station. The SO(2) control equipment began operation on October 31, 1994.
The cost of this and related equipment was $147 million. Additional plans for
SO2 control involve switching to lower sulfur coal, purchase of emission
allowances and additional SO(2) controls. Maximum flexibility and least-cost
compliance will be maintained through annual studies. Virginia Power has
completed its compliance plan for NO(x) control, with the exception of some
additional studies concerning Phase II of the Clean Air Act, for which the EPA
issued final regulations in December 1996, and ozone control requirements, for
which regulations have not yet been promulgated.
 
     In 1996, Virginia Power installed NO(x) controls on Possum Point Unit 4 at
a cost of about $4 million, and at Mt. Storm Unit 3 at a cost of about $6
million. The utility plans to install additional NO(x) controls and modify
existing controls at Mt. Storm Units 1 and 2 in 1997, and to seek alternative
emission limitations from the EPA for all three Mt. Storm Units. The utility has
notified the EPA of its decision (called "early election") to begin complying
with Phase I NO(x) limits at ten of its units in Virginia in 1997, three years
earlier than otherwise required. As a result, the units will not be subject to
more stringent Phase II limits until 2008.

     In order to assist the Virginia Department of Environmental Quality in
maintaining good air quality in the Richmond and Hampton Roads regions, and to
avoid the necessity of more stringent regulations, Virginia Power made voluntary
commitments in 1996 to cap NO(x) emissions at its Chesterfield and Yorktown
Power Stations and the Chesapeake Energy Center beginning in 2000.

                                       26
 
<PAGE>
     Capital expenditures on Clear Air Act compliance over the next five years
are projected to be approximately $21 million. Changes in the regulatory
environment, availability of allowances, and emissions control technology could
substantially impact the timing and magnitude of compliance expenditures.
 
     The Clean Air Act amendments also require Virginia Power to obtain
operating permits for all major emissions-emitting facilities. Permit
applications have been submitted, and deemed complete by the regulatory
authorities, for the Mt. Storm and North Branch power stations. Applications for
the Virginia stations are expected to be filed within the next two years.
 
     Electromagnetic Fields: The possibility that exposure to electromagnetic
fields (EMFs) emanating from power lines, household appliances and other
electric sources may result in adverse health effects has been a subject of
increased public, governmental and media attention. A considerable amount of
scientific research has been conducted on this topic without definitive results.
Research is continuing to resolve scientific uncertainties. It is too soon to
tell what, if any, impact EMFs may have on the company's financial condition.

     Nuclear Operations: The Nuclear Regulatory Commission (NRC) revised the
nuclear power plant license renewal rules issued in 1991. Virginia Power intends
to work with industry groups on license renewal programs, and to apply for
renewal of the current 40-year licenses.
 
Nonutility Issues
 
     Dominion Energy: Dominion Energy has evolved into a company that emphasizes
building businesses in the Americas with long-term earnings and value growth.
The key to this growth is the attainment of low cost production in geographical
areas where Dominion Energy has institutional experience and staff in place.
Dominion Energy will pursue this mission through its business lines of
independent power generation and natural gas and oil exploration, development
and operations.
 
     Dominion Energy's strategy with respect to power generation is to grow
through selective bidding opportunities and the expansion of existing assets.
The primary international markets of interest to Dominion Energy are South and
Central America. Dominion Energy has also established regional offices for
development in Argentina and Bolivia.
 
     Dominion Energy's strategy with respect to its natural gas and oil
businesses is to continue to grow its reserve base, either through drilling or
acquisition. In order to enhance the value in its oil and gas assets, Dominion
Energy will invest in pipeline, gathering and storage facilities where these
investments increase flexibility and market presence. Dominion Energy is also
exploring ways to add value by integrating its gas supply entities with its
power production units.
 
     Coincident with the growing economic opportunities are related risks. These
risks include limited currency fluctuations, developments in both domestic and
international economic conditions, and governmental and regulatory actions.
Internationally, Dominion Energy is managing these risks by limiting its
investments to more stable countries and by avoiding over-commitment to one
country. The financial performance of the natural gas operations depends to a
degree on the market price of natural gas which is influenced by many factors
outside the control of Dominion Energy. However, due to the advantageous cost
basis of its reserves and related tax credits, natural gas operations are
profitable at today's market prices. Much of Dominion Energy's gas reserves has
production-based tax credits. Consequently, future profitability could be
affected adversely by federal legislation which would remove the tax credit
prior to its current expiration in 2002.
 
     Dominion Capital: Dominion Capital has evolved from a company which
centered its earnings performance primarily on transactional activity to one
focused on obtaining earnings from ongoing operations. Dominion Capital's
strategy is to actively operate and manage a specialized financial services
business and to a lesser degree, continue its real estate activities. In
addition, Dominion Capital plans to continue to expand its flexibility by
achieving stand-alone taxpayer status and independent credit capacity.
 
     Dominion Capital is divided into three major strategic areas. They consist
of (1) financial services businesses, (2) core investments of Rincon Securities
and Vidalia Hydroelectric, and (3) real estate and passive investments.
 
     The financial services businesses, from which management expects continued
growth, focus on commercial lending to medium-sized companies, origination and
servicing of home mortgage and home equity loans to individuals, and a merchant
banking enterprise whose clients are small to medium sized oil and gas
producers. The primary risks characteristic of these businesses are credit,
interest rate, operation reserve, and market price of gas. The credit risk is
mitigated by diversification of client base, geographic and industry
concentrations. In addition, these companies are managed by experienced
management and underwriting professionals. The interest rate risk is managed by
floating rate loans, loan securitizations which transfer most of the risk to
investors, prepayment penalties and hedging programs for presecuritized loans.
The operation reserve risk is tempered by doing business with clients that have
management teams with proven track records and requiring quality third-party
reserve reports. The gas market price risk is hedged through a swap program that
establishes a price for reserves that supports the original loan underwritten.
 
                                       27
 
<PAGE>
     Rincon Securities and Vidalia Hydroelectric will be managed to optimize
profitability but will not offer growth opportunities. The real estate and
passive direct investments will be managed to harvest capital for reinvestment.
The critical risk to the real estate investments is the regional economy which
affects both the market price and the product's absorption rate.
 
  Corporate Issues
 
     In November 1996, Dominion Resources through its indirect United Kingdom
(U.K.) subsidiary DR Investments (UK) PLC, posted a formal offer document to the
shareholders of East Midlands Electricity plc (East Midlands) and as of March
14, 1997, all outstanding shares of East Midland's have been acquired. This
offer amounts to approximately $2.2 billion.

     East Midlands is a regional electricity company based in the Nottingham
area of England that serves about 2.3 million homes and businesses. It buys
electricity from the U.K. competitive pool and direct from generating companies
and supplies it to all smaller businesses and domestic customers in its
franchise area plus to larger business customers anywhere in the country on a
negotiated contract basis. This is a pattern which may be coming to the United
States as the push for more competition especially in the wholesale power market
sector of the electricity business intensifies. In addition, Dominion Resources
expects to gain valuable experience from the U.K. business in the area of direct
competition for individual consumers when deregulation comes to the U.K. in
1998.
 
     Risk associated with this business includes the fact that the distribution
business of East Midlands is regulated under a license pursuant to which revenue
of the distribution business is controlled by a distribution price control
formula established and reviewed by U.K. regulators. There can be no assurance
that any review by the U.K. regulators will not adversely affect East Midlands.
 
     Furthermore, the supply business in the U.K. is being progressively opened
to competition. Other factors that could adversely affect the business of East
Midlands are pool purchase price volatility (East Midlands obtains the
electricity it sells under fixed price contracts by purchases from wholesale
trading markets in the U.K.) and changes in U.K. governmental policies,
including the possible introduction of a one-time tax on excess profits of
privatized utilities. East Midlands expects to continue to effectively compete
in the U.K. supply business, utilizing elaborate hedging programs to manage
purchase price volatility risk.
 
  Other Risk Factors and Risk Management Matters
 
     In 1996 and January 1997, Dominion Resources instituted and implemented
risk management policies involving derivative transactions at the corporate,
nonutility and utility levels. In 1997, Dominion Resources will continue to use
derivative financial instruments for prudent risk management. For more
information on derivative transactions (see Notes A and P to the NOTES TO
CONSOLIDATED FINANCIAL STATEMENTS in the 1996 Annual Report to Shareholders).
 
     As Dominion Resources continues to expand its operations in competitive
power supply markets, the possibility of challenges by contractual purchasers of
power exists. There could be a significant impact on the results of operations
of Dominion Resources if any of the contracts were to be successfully challenged
resulting in unfavorable modifications. Management continues to evaluate its
significant power contracts and has concluded that the terms are binding and
enforceable.
 
                                       28
 
<PAGE>
                    MANAGEMENT'S DISCUSSION AND ANALYSIS OF
                       CASH FLOWS AND FINANCIAL CONDITION
                                  (Unaudited)
 
Consolidated
 
  Financing Activity
 
     Each of Dominion Resources' subsidiaries -- Virginia Power, Dominion
Energy, and Dominion Capital -- obtains capital primarily through cash from
operations, debt financings and equity contributed by the parent. The utility
and nonutility companies obtain financing based on their individual credit
profiles and ability to repay the debt; in no way are the other companies
contingently liable for each other's indebtedness.
 
  Commercial Paper
 
     To finance working capital for operations, proceeds from the sale of
Dominion Resources commercial paper in regional and national markets are made
available to its nonutility subsidiaries under the terms of intercompany credit
agreements. To support these borrowings, Dominion Resources had available bank
lines of credit totaling $400.8 million at the end of 1996. Amounts borrowed by
the subsidiaries are repaid to Dominion Resources through cash flows from
operations and through proceeds from permanent financings.
 
     Virginia Power has a commercial paper program with a limit of $500 million.
The program is supported by $500 million of revolving credit facilities and is
used primarily to finance working capital for operations.
 
  Common Equity
 
     Dominion Resources made no underwritten public offerings of common stock in
1996, but did raise capital from sales of common stock through the Automatic
Dividend Reinvestment and Stock Purchase Plan, Customer Stock Purchase Plan,
Dominion Direct Investment plan, and Employee Savings Plan. On July 8, 1996,
Dominion Resources established the Dominion Direct Investment plan. The Dominion
Direct Investment Plan continues and expands the Automatic Dividend Reinvestment
and Stock Purchase Plan. Dominion Resources will continue to raise capital
through Dominion Direct Investment and the Employee Savings plans in 1997.
Proceeds from these plans were (in millions): 1996-$164.2; 1995-$136.9; and
1994-$166. Reflected in the amounts of proceeds from these plans were the
repurchases of 136,800 shares of common stock in 1996 for an aggregate price of
$5.5 million, 685,500 shares of common stock in 1995 for an aggregate price of
$24.8 million, and 566,000 shares in 1994 for an aggregate price of $20.7
million. In 1997, Dominion Resources expects to make an underwritten public
offering of common stock in the amount of approximately $300 million to finance
the purchase of East Midlands.
 
Virginia Power
 
  Liquidity and Capital Resources
 
     Cash flow from operating activities has accounted for, on average, 75% of
Virginia Power's cash requirements over the past three years.
 
     With the completion of the 882 Mw coal-fired power station near Clover,
Virginia, Virginia Power is in a period in which internal cash generation will
exceed construction expenditures. The internal generation of cash in 1996, 1995
and 1994 provided 143%, 119% and 88%, respectively, of the funds required for
Virginia Power's capital requirements.
 
     Net cash provided by operating activities decreased $10.1 million in 1996
as compared to 1995, primarily as a result of normal operations.
 
     Net cash provided by operating activities increased by $107.1 million in
1995 as compared to 1994, primarily as a result of increased sales, partially
offset by a number of other factors resulting from normal operations.
 
                                       29
 
<PAGE>
     Cash from (used in) financing activities was as follows:
 
<TABLE>
<CAPTION>
                                                                              1996       1995       1994
                                                                             -------    -------    -------
                                                                                      (millions)
<S> <C>
Contribution from parent..................................................                         $  75.0
Issuance of long-term debt................................................   $  24.5    $ 240.0      464.0
Repayment of long-term debt...............................................    (284.1)    (439.0)    (334.3)
Issuance of securities of subsidiary trust................................                135.0
Issuance (repayment) of short-term debt...................................     143.4      169.0      (43.0)
Common dividend payments..................................................    (385.8)    (394.3)    (395.5)
Other.....................................................................     (48.8)     (58.0)     (50.5)
                                                                             -------    -------    -------
     Total................................................................   $(550.8)   $(347.3)   $(284.3)
                                                                             -------    -------    -------
                                                                             -------    -------    -------
</TABLE>
 
     In 1996, Virginia Power issued $24.5 million of variable rate solid waste
disposal securities to refund $24.5 million of securities assumed in its
acquisition of the North Branch Power Station. Also in 1996, Virginia Power
retired a total of $259.6 million of Medium-Term Notes through mandatory
maturities.
 
     In June 1996, Virginia Power increased the limit for its commercial paper
program from $300 million to $500 million with the execution of $500 million of
revolving credit facilities, which replaced existing liquidity support. Proceeds
from the sale of commercial paper are primarily used to finance working capital
for operations. Net borrowings under the commercial paper program were $312.4
million at December 31, 1996.
 
     In January 1997, Virginia Power filed a registration statement with the
Securities and Exchange Commission for $400 million of Junior Subordinated
Debentures. At December 31, 1996, Virginia Power had two additional shelf
registration statements for debt securities registered with the Securities and
Exchange Commission, one for $575 million of First and Refunding Mortgage Bonds
and the other for $200 million of Medium-Term Notes, Series F. In February 1997,
Virginia Power issued $200 million of First and Refunding Mortgage Bonds, the
proceeds of which were primarily used to refund a portion of Virginia Power's
debt that matured in February and March of 1997. These three shelf registrations
combine to provide Virginia Power with $975 million of unused debt capital
resources. In addition, Virginia Power has a Preferred Stock shelf, registered
with the Securities and Exchange Commission, for $100 million in aggregate
principal amount, which has not been utilized. Virginia Power intends to issue
securities from time to time to meet its capital requirements.
 
     Cash (used in) investing activities was as follows:
 
<TABLE>
<CAPTION>
                                                                              1996       1995       1994
                                                                             -------    -------    -------
                                                                                      (millions)
<S> <C>
Utility plant expenditures................................................   $(393.8)   $(519.9)   $(580.9)
Nuclear fuel..............................................................     (90.2)     (57.6)     (80.0)
Nuclear decommissioning contributions.....................................     (36.2)     (28.5)     (24.5)
Sale of accounts receivable, net..........................................               (160.0)     (40.0)
Purchase of subsidiary assets.............................................     (13.7)
Other.....................................................................     (12.5)     (11.1)      (1.4)
                                                                             -------    -------    -------
     Total................................................................   $(546.4)   $(777.1)   $(726.8)
                                                                             -------    -------    -------
                                                                             -------    -------    -------
</TABLE>
 
     Investing activities in 1996 resulted in a net cash outflow of $546.4
million primarily due to $393.8 million of construction expenditures and $90.2
million of nuclear fuel expenditures. The construction expenditures included
approximately $78.6 million for production projects, $244.6 million for
transmission and distribution projects, and $17.1 million on new generating
facilities.
 
  Capital Requirements
 
     Virginia Power presently anticipates that kilowatt-hour sales will grow
approximately 2.4 percent a year through 2011. Both the Hoosier 400 Mw long-term
purchase and the AEP 500 Mw long-term purchase agreements will expire on
December 31, 1999. With the scheduled termination of 900 Mw of long-term
purchases and continued system growth, Virginia Power presently anticipates
adding 1,200 Mw of short-term (three-year) purchases beginning in 2000. Virginia
Power has and will pursue capacity acquisition plans to provide that capacity
and maintain a high degree of service reliability. This capacity may be owned
and operated by others and sold to Virginia Power or may be built by Virginia
Power if it determines it can build capacity at a lower overall cost.
 
     Clover Unit 2, which is part of a two-unit facility jointly owned with
ODEC, began commercial operation in March 1996. Virginia Power's fifty percent
ownership share of the cost of construction was completed at a cost of $235
million.
 
     Virginia Power will require $311.3 million to meet long-term debt
maturities in 1997. Virginia Power presently estimates that all of its 1997
construction expenditures, including nuclear fuel expenditures, will be met
through cash flow from
 
                                       30

<PAGE>
operations. Other capital requirements will be met through a combination of
sales of securities including the sale of $200 million of First and Refunding
Mortgage Bonds issued in February 1997 and short-term borrowings.
 
Dominion Energy
 
  Liquidity and Capital Resources
 
     Dominion Energy funds its capital requirements through operations, equity
contributions by Dominion Resources, an intercompany credit agreement with
Dominion Resources and bank revolving credit agreements.
 
     Net cash provided by operating activities increased by $52.1 million in
1996, as compared to 1995, primarily due to cash generated by operations of
acquired companies and assets and from normal operations.
 
     Cash from (used in) financing activities was as follows:
 
<TABLE>
<CAPTION>
                                                                              1996       1995       1994
                                                                             -------    -------    -------
                                                                                      (millions)
<S> <C>
Contribution from parent..................................................   $  75.0    $ 149.3
Issuance of long-term debt................................................     221.7
Repayment of long-term debt...............................................                (72.5)
Repayment of short-term debt..............................................      (8.9)              $ (52.6)
Common dividend payments..................................................     (43.3)     (31.6)     (26.4)
Issuance (repayment) of intercompany debt.................................      19.7       32.4      (47.1)
Other.....................................................................      10.0        9.5       29.1
                                                                             -------    -------    -------
     Total................................................................   $ 274.2    $  87.1    $ (97.0)
                                                                             -------    -------    -------
                                                                             -------    -------    -------
</TABLE>
 
     In 1996, cash flows from financing activities of $274.2 million, resulted
from long-term debt financing and equity contributions from Dominion Resources.
The additional debt and equity requirements were used primarily for the
acquisition of oil and gas properties and an interest in EGENOR.
 
     In 1995, cash flows from financing activities of $87.1 million resulted
from the $149.3 million of equity contributions from Dominion Resources which
was used to retire long-term debt of approximately $72.5 million and fund the
acquisition of Corani.
 
     In 1994, cash flows used in financing activities decreased by $97 million,
resulting from the repayment of short-term and intercompany debt. Proceeds from
the sale of the Black Warrior Trust Units which amounted to $128.4 million were
used to fund the repayments.
 
     Cash from (used in) investing activities was as follows:
 
<TABLE>
<CAPTION>
                                                                              1996       1995       1994
                                                                             -------    -------    -------
                                                                                      (millions)
<S> <C>
Purchase of independent power properties..................................   $(167.3)   $ (60.2)
Purchase of natural gas properties........................................    (103.9)     (68.3)   $ (60.4)
Sale of trust units.......................................................                 16.4      128.4
Other.....................................................................     (82.8)     (24.1)     (31.1)
                                                                             -------    -------    -------
     Total................................................................   $(354.0)   $(136.2)   $  36.9
                                                                             -------    -------    -------
                                                                             -------    -------    -------
</TABLE>
 
     Net cash flows used in investing activities in 1996 of $354 million were
used primarily to fund the acquisition of oil and gas properties and an interest
in EGENOR.
 
     In 1995, net cash flows used in investing activities of $136.2 million were
primarily for the acquisitions of Corani and oil and gas properties.
 
     In 1994, net cash flows from investing activities increased, primarily due
to the gain on the sale of the Black Warrior Trust Units offset by the purchase
of oil and natural gas properties.
 
  Capital Requirements
 
     Capital requirements for Dominion Energy in 1997 are forecasted to be
approximately $375 million. These requirements consist of: oil and gas
expenditures of $115 million. Power generation will have capital expenditures of
$260 million (including the Kincaid acquisition).
 
     Sources for these capital requirements will be: nonrecourse debt, cash
flows from operations, equity from Dominion Resources and, if necessary,
borrowings from the revolving credit facility.
 
     It should be noted that amounts enumerated above are estimates;
consequently, actual amounts may differ.
 
                                       31
 
<PAGE>
Dominion Capital
 
  Liquidity and Capital Resources
 
     Dominion Capital funds its capital requirements through operations,
intercompany credit agreement with Dominion Resources, equity contributions from
Dominion Resources, a medium-term note facility, bank revolving credit
agreements, term loans and a commercial paper program.
 
     Net cash provided by operating activities decreased by $179.1 million in
1996 as compared to 1995, primarily as a result of the funding of mortgage loans
prior to the securitization of such loans in its financial services business.
 
     Net cash provided by operating activities increased to $49.3 million in
1995 as compared to 1994, primarily due to a number of factors resulting from
normal operations.
 
     Cash from (used in) financing activities was as follows:
 
<TABLE>
<CAPTION>
                                                                                 1996      1995      1994
                                                                                ------    ------    ------
                                                                                        (millions)
<S> <C>
Contribution from parent.....................................................   $ 85.0    $150.0    $  4.9
Issuance of long-term debt...................................................    104.7      16.1
Repayment of long-term debt..................................................    (52.4)    (41.5)    (15.3)
Common dividend payments.....................................................    (30.7)    (22.7)    (12.7)
Issuance (repayment) of intercompany debt....................................     79.6     (52.1)     71.0
Other........................................................................     (0.4)     (4.5)      0.8
                                                                                ------    ------    ------
     Total...................................................................   $185.8    $ 45.3    $ 48.7
                                                                                ------    ------    ------
                                                                                ------    ------    ------
</TABLE>
 
     In 1996, cash flows from financing activities increased to $185.8 million,
primarily due to the following transactions. Dominion Capital received seller
financing of $47.5 million from Resource Mortgage Capital when it purchased
Saxon Mortgage. Intercompany debt which is available through Dominion Capital's
intercompany credit agreement with Dominion Resources, increased by $79.6
million. The proceeds were used to fund capital requirements not covered by
proceeds from operations or debt, including the initial cash payment of the
Saxon Mortgage acquisition, and medium term note maturities of $38.5 million.
During the year, Senior Notes of $46 million were refinanced with similar debt.
 
     In 1995, cash flows from financing activities increased to $45.3 million
due to an equity infusion of $150 million from Dominion Resources. The proceeds
were used to invest in First Source Financial. The remaining proceeds from the
equity infusion were used to pay down intercompany and long-term debt.
 
     In 1994, cash flows from financing activities increased to $48.7 million
due to borrowings from the intercompany credit agreement. The proceeds from the
borrowings were used to pay dividends and reduce long-term debt.
 
     Cash from (used in) investing activities was as follows:
 
<TABLE>
<CAPTION>
                                                                                  1996      1995      1994
                                                                                 ------    ------    ------
                                                                                         (millions)
<S> <C>
Investments in affiliates.....................................................   $(19.5)   $(52.4)
Capital expenditures..........................................................               (1.9)
Other.........................................................................    (23.9)    (31.0)   $(32.5)
                                                                                 ------    ------    ------
     Total....................................................................   $(43.4)   $(85.3)   $(32.5)
                                                                                 ------    ------    ------
                                                                                 ------    ------    ------
</TABLE>
 
     Net cash flows used in investing activities in 1996 resulted from the
acquisition of Saxon Mortgage, the residual interest in mortgage loans
securitized relating to Saxon Mortgage and equity investments in Cambrian
Capital (Cambrian), a merchant banking enterprise for emerging independent oil
and natural gas producers. Net cash flows used in investing activities in 1995
resulted primarily from its investment in First Source Financial. Investing
activities in 1994 resulted in a net cash outflow of $32.5 million as a result
of venture capital and other investments.
 
  Capital Requirements
 
     Dominion Capital's principal focus is growing its financial services
companies. First Source Financial will increase its loan portfolio from $650
million to approximately $954 million in 1997. Saxon Mortgage plans to generate
almost $2 billion in loan originations primarily in the sub-prime credit arena
during 1997. Cambrian will expand its loan portfolio to approximately $100
million in 1997. To finance these expansion plans in 1997, Dominion Capital
plans to utilize approximately $160 million in new equity and intercompany debt.
The remaining capital requirements will come from the reinvestment of cash from
operations, harvesting capital from existing real estate and other assets, and
various third party credit sources. Dominion Capital anticipates dividend
payments to Dominion Resources of approximately $31 million.
 
                                       32

<PAGE>
              ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

                            DOMINION RESOURCES, INC.

            CONSOLIDATED STATEMENTS OF INCOME AND RETAINED EARNINGS
<TABLE>
<CAPTION>
                                                                                              For The Years Ended December 31,
                                                                                                1996        1995        1994
                                                                                              --------    --------    --------
                                                                                                (millions, except per share
                                                                                                          amounts)
<S> <C>
OPERATING REVENUES AND INCOME:.............................................................
     Electric utility......................................................................   $4,382.6    $4,350.4    $4,170.8
     Nonutility............................................................................      459.7       301.3       320.3
                                                                                              --------    --------    --------
     Total operating revenues and income...................................................    4,842.3     4,651.7     4,491.1
                                                                                              --------    --------    --------
OPERATING EXPENSES:
     Fuel, net.............................................................................      987.0     1,006.9       973.0
     Purchased power capacity, net.........................................................      700.5       688.4       669.4
     Restructuring.........................................................................       91.6       121.5
     Other operation.......................................................................      807.5       721.6       739.6
     Maintenance...........................................................................      250.9       260.5       263.2
     Depreciation, depletion and amortization..............................................      615.2       551.0       533.1
     Other taxes...........................................................................      285.2       273.8       274.6
                                                                                              --------    --------    --------
     Total operating expenses..............................................................    3,737.9     3,623.7     3,452.9
                                                                                              --------    --------    --------
OPERATING INCOME...........................................................................    1,104.4     1,028.0     1,038.2
                                                                                              --------    --------    --------
OTHER INCOME...............................................................................        9.8         7.3        13.5
                                                                                              --------    --------    --------
INCOME BEFORE FIXED CHARGES AND FEDERAL INCOME TAXES.......................................    1,114.2     1,035.3     1,051.7
                                                                                              --------    --------    --------
FIXED CHARGES:
     Interest charges, net.................................................................      387.0       381.7       360.3
     Preferred dividends and distributions of Virginia Power, net..........................       42.6        46.5        42.2
                                                                                              --------    --------    --------
     Total fixed charges...................................................................      429.6       428.2       402.5
                                                                                              --------    --------    --------
Income before provision for federal income taxes...........................................      684.6       607.1       649.2
     Provision for federal income taxes....................................................      212.5       182.1       171.0
                                                                                              --------    --------    --------
NET INCOME.................................................................................   $  472.1    $  425.0    $  478.2
Retained earnings, January 1...............................................................    1,427.6     1,455.2     1,417.8
COMMON DIVIDENDS AND OTHER DEDUCTIONS:
     Dividends.............................................................................     (460.1)     (448.7)     (434.7)
     Other deductions......................................................................       (1.7)       (3.9)       (6.1)
                                                                                              --------    --------    --------
RETAINED EARNINGS, DECEMBER 31.............................................................   $1,437.9    $1,427.6    $1,455.2
                                                                                              --------    --------    --------
                                                                                              --------    --------    --------
Earnings per common share..................................................................   $   2.65    $   2.45    $   2.81
                                                                                              --------    --------    --------
                                                                                              --------    --------    --------
Dividends paid per common share............................................................   $   2.58    $   2.58    $   2.55
                                                                                              --------    --------    --------
                                                                                              --------    --------    --------
Average common shares outstanding..........................................................      178.3       173.8       170.3
                                                                                              --------    --------    --------
                                                                                              --------    --------    --------
</TABLE>

   The accompanying notes are an integral part of the Consolidated Financial
                                  Statements.

                                       33

<PAGE>
                            DOMINION RESOURCES, INC.
                          CONSOLIDATED BALANCE SHEETS

<TABLE>
<CAPTION>                                                                                                          At December 31,
                                                                                                       ----------------------
                                                                                                         1996         1995
                                                                                                       ---------    ---------
                                                                                                             (millions)
<S> <C>
ASSETS
CURRENT ASSETS:
  Cash and cash equivalents.........................................................................   $   110.8    $    66.7
  Trading securities................................................................................        16.4         10.8
  Customer accounts receivable, net.................................................................       354.8        362.6
  Other accounts receivable.........................................................................       174.9        104.2
  Accrued unbilled revenues.........................................................................       162.8        179.5
  Materials and supplies at average cost or less:
       Plant and general............................................................................       148.7        160.2
       Fossil fuel..................................................................................        76.8         71.2
  Mortgage loans in warehouse.......................................................................        65.8
  Other.............................................................................................       209.5        141.5
                                                                                                       ---------    ---------
                                                                                                         1,320.5      1,096.7
                                                                                                       ---------    ---------
INVESTMENTS:
       Investments in affiliates....................................................................       457.5        436.2
       Available-for-sale securities................................................................       692.4        285.5
       Nuclear decommissioning trust funds..........................................................       443.3        351.4
       Investments in real estate...................................................................       107.7        133.0
       Other........................................................................................       234.2        236.6
                                                                                                       ---------    ---------
                                                                                                         1,935.1      1,442.7
                                                                                                       ---------    ---------
PROPERTY, PLANT AND EQUIPMENT:
(includes plant under construction of $180.1 [1995-$512.1]).........................................    16,815.8     15,977.4
       Less accumulated depreciation, depletion and amortization....................................     6,306.4      5,655.1
                                                                                                       ---------    ---------
                                                                                                        10,509.4     10,322.3
                                                                                                       ---------    ---------
DEFERRED CHARGES AND OTHER ASSETS:
       Regulatory assets............................................................................       773.9        816.4
       Other........................................................................................       366.7        225.2
                                                                                                       ---------    ---------
                                                                                                         1,140.6      1,041.6
                                                                                                       ---------    ---------
TOTAL ASSETS........................................................................................   $14,905.6    $13,903.3
                                                                                                       ---------    ---------
                                                                                                       ---------    ---------
</TABLE>
 
   The accompanying notes are an integral part of the Consolidated Financial
                                  Statements.
 
                                       34

<PAGE>
                            DOMINION RESOURCES, INC.
                          CONSOLIDATED BALANCE SHEETS
 
<TABLE>
<CAPTION>
                                                                                                          At December 31,
                                                                                                       ----------------------
                                                                                                         1996         1995
                                                                                                       ---------    ---------
                                                                                                             (millions)
<S> <C>
LIABILITIES AND SHAREHOLDERS' EQUITY
CURRENT LIABILITIES:
       Securities due within one year...............................................................   $   750.7    $   420.8
       Short-term debt..............................................................................       378.2        236.6
       Accounts payable, trade......................................................................       410.6        336.7
       Accrued interest.............................................................................       107.3        110.5
       Accrued payroll..............................................................................        73.1         77.7
       Severance costs accrued......................................................................        50.2         42.5
       Customer deposits............................................................................        50.0         55.4
       Other........................................................................................       155.4        114.0
                                                                                                       ---------    ---------
                                                                                                         1,975.5      1,394.2
                                                                                                       ---------    ---------
LONG-TERM DEBT:
       Utility......................................................................................     3,579.4      3,889.4
       Nonrecourse-nonutility.......................................................................       505.7        523.5
       Other........................................................................................       642.5        199.0
                                                                                                       ---------    ---------
                                                                                                         4,727.6      4,611.9
                                                                                                       ---------    ---------
DEFERRED CREDITS AND OTHER LIABILITIES:
       Deferred income taxes........................................................................     1,743.3      1,661.1
       Investment tax credits.......................................................................       255.3        272.2
       Deferred fuel expenses.......................................................................         3.3         57.7
       Other........................................................................................       452.2        340.2
                                                                                                       ---------    ---------
                                                                                                         2,454.1      2,331.2
                                                                                                       ---------    ---------
TOTAL LIABILITIES...................................................................................     9,157.2      8,337.3
                                                                                                       ---------    ---------
COMMITMENTS AND CONTINGENCIES
Virginia Power obligated mandatorily redeemable preferred securities of subsidiary trust*...........       135.0        135.0
PREFERRED STOCK:
       Virginia Power stock subject to mandatory redemption.........................................       180.0        180.0
       Virginia Power stock not subject to mandatory redemption.....................................       509.0        509.0
                                                                                                       ---------    ---------
COMMON SHAREHOLDERS' EQUITY:
  Common stock -- no par authorized 300,000,000 shares, outstanding -- 181,220,746 shares at 1996
     and 176,414,110 shares at 1995.................................................................     3,471.4      3,303.5
  Retained earnings.................................................................................     1,437.9      1,427.6
  Allowance on available-for-sale securities, net of tax............................................        (1.1)        (6.7)
  Other paid-in capital.............................................................................        16.2         17.6
                                                                                                       ---------    ---------
                                                                                                         4,924.4      4,742.0
                                                                                                       ---------    ---------
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY..........................................................   $14,905.6    $13,903.3
                                                                                                       ---------    ---------
                                                                                                       ---------    ---------
</TABLE>

- ---------------

* As described in Note L, the 8.05% Junior Subordinated Notes totaling $139.2
  million principal amount constitute 100% of the Trust's assets.

    The accompanying notes are an integral part of the Consolidated Financial
                                  Statements.

                                       35

<PAGE>
                            DOMINION RESOURCES, INC.

                     CONSOLIDATED STATEMENTS OF CASH FLOWS

<TABLE>
<CAPTION>
                                                                                              For The Years Ended December 31,
                                                                                              --------------------------------
                                                                                                1996         1995       1994
                                                                                              ---------    --------    -------
                                                                                                         (millions)
<S> <C>
CASH FLOWS FROM (USED IN) OPERATING ACTIVITIES:
  Net income...............................................................................   $   472.1    $  425.0    $ 478.2
  Adjustments to reconcile net income to net cash:
       Depreciation, depletion and amortization............................................       694.4       633.5      610.7
       Deferred income taxes...............................................................        84.1        26.4       68.2
       Investment tax credits, net.........................................................       (16.9)      (16.9)     (17.1)
       Allowance for other funds used during construction..................................        (3.0)       (6.7)      (6.4)
       Deferred fuel expense...............................................................       (54.4)        6.2       (2.6)
       Deferred capacity expense...........................................................        (9.2)        6.4       26.5
       Restructuring expense...............................................................        56.3        96.2
       Non-cash return on terminated construction project costs -- pre-tax.................        (6.4)       (8.4)     (10.3)
       Gain on sale of trust units.........................................................                    (8.7)     (49.0)
       Purchase of mortgage loans..........................................................      (769.2)
       Proceeds from sale and principal collections of mortgage loans......................       703.4
       Changes in current assets and liabilities:
          Accounts receivable..............................................................       (47.0)      (38.7)      19.1
          Accrued unbilled revenues........................................................        17.6       (27.7)      11.9
          Materials and supplies...........................................................         6.0        61.1       (6.5)
          Accounts payable, trade..........................................................        73.8       (37.6)      32.6
          Accrued interest and taxes.......................................................       (17.5)       33.6      (46.5)
       Provision for rate refunds..........................................................                   (12.2)     (89.5)
       Other changes.......................................................................      (151.9)       39.8      (27.5)
                                                                                              ---------    --------    -------
Net cash flows from operating activities...................................................     1,032.2     1,171.3      991.8
                                                                                              ---------    --------    -------
CASH FLOWS FROM (USED IN) FINANCING ACTIVITIES:
       Issuance of common stock............................................................       169.7       161.7      186.7
       Preferred securities of subsidiary trust............................................                   135.0
       Issuance of long-term debt:
          Utility..........................................................................        24.5       240.0      464.0
          Nonrecourse-nonutility...........................................................       434.5        54.3       18.7
          Other............................................................................       342.5
       Issuance (repayment) of short-term debt.............................................       134.5       101.1     (117.0)
       Repayment of long-term debt and preferred stock.....................................      (336.5)     (553.0)    (349.6)
       Common dividend payments............................................................      (460.1)     (448.7)    (434.7)
       Other...............................................................................        (4.5)      (20.5)      (8.0)
                                                                                              ---------    --------    -------
Net cash flows from (used in) financing activities.........................................       304.6      (330.1)    (239.9)
                                                                                              ---------    --------    -------
CASH FLOWS FROM (USED IN) INVESTING ACTIVITIES:
       Utility capital expenditures (excluding AFC-equity funds)...........................      (484.0)     (577.5)    (660.9)
       Acquisition of natural gas and independent power properties.........................      (271.2)     (128.5)     (60.4)
       Sale of accounts receivable, net....................................................                  (160.0)     (40.0)
       Sale of trust units.................................................................                    16.4      128.4
       Purchase of marketable securities...................................................      (351.3)      (61.8)
       Additions to mortgage investments...................................................       (58.3)
       Acquisitions of businesses..........................................................       (19.5)      (52.4)
       Other investments...................................................................      (108.4)       42.6      (74.3)
                                                                                              ---------    --------    -------
Net cash flows used in investing activities................................................    (1,292.7)     (921.2)    (707.2)
                                                                                              ---------    --------    -------
Increase (decrease) in cash and cash equivalents...........................................   $    44.1    $  (80.0)   $  44.7
Cash and cash equivalents at beginning of the year.........................................        66.7       146.7      102.0
                                                                                              ---------    --------    -------
Cash and cash equivalents at end of the year...............................................   $   110.8    $   66.7    $ 146.7
                                                                                              ---------    --------    -------
                                                                                              ---------    --------    -------
</TABLE>

   The accompanying notes are an integral part of the Consolidated Financial
                                  Statements.

                                       36

<PAGE>
     The NOTES TO CONSOLIDATED FINANCIAL STATEMENTS on pages 36 through 50 and
related report of Deloitte & Touche LLP, independent auditors, appearing on page
52 of the 1996 Annual Report to Shareholders, for the fiscal year ended December
31, 1996, filed herein as Exhibit 13, is hereby incorporated herein by
reference.

    ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
                              FINANCIAL DISCLOSURE

                                     None.

                                    PART III

          ITEM 10. DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

     Information regarding the Directors of Dominion Resources contained on
pages 2 through 4 of the 1997 Proxy Statement, File No. 1-8489, dated March 7,
1997 is hereby incorporated herein by reference. The information concerning the
executive officers of Dominion Resources required by this Item is incorporated
by reference to the section in Part I hereof entitled "EXECUTIVE OFFICERS OF THE
REGISTRANT."

                        ITEM 11. EXECUTIVE COMPENSATION

     The information regarding executive and director compensation contained on
pages 10 through 17 of the 1997 Proxy Statement is hereby incorporated herein by
reference.

    ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

     The information concerning stock ownership by directors and executive
officers contained on page 5 of the 1997 Proxy Statement is hereby incorporated
herein by reference. There is no person known by Dominion Resources to be the
beneficial owner of more than five percent of Dominion Resources common stock.

            ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

                                      None
 
                                       37
 
<PAGE>
                                    PART IV
 
   ITEM 14. EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K
 
     A. Certain documents are filed as part of this Form 10-K and are
incorporated herein by reference or found on the pages noted.
 
1. Financial Statements
 
<TABLE>
<CAPTION>
                                                                                            1996
                                                                                        Annual Report         1996
                                                                                       to Shareholders      Form 10-K
                                                                                           (Page)            (Page)
                                                                                       ---------------      ---------
<S> <C>                                                                                                      
Report of Independent Auditors....................................................           52
Report of Management..............................................................           51
Consolidated Statements of Income and Retained Earnings
  for the years ended December 31, 1996, 1995 and 1994............................                             33
Consolidated Balance Sheets at December 31, 1996 and 1995.........................                            34-35
Consolidated Statements of Cash Flows for the years ended
  December 31, 1996, 1995 and 1994................................................                             36
Notes to Consolidated Financial Statements........................................          36-50
</TABLE>
 
2. Exhibits
 
<TABLE>
<S> <C>                
3(i)             -    Articles of Incorporation as in effect May 4, 1987 (Exhibit 3(i), Form 10-K for the fiscal year ended
                      December 31, 1993, File No. 1-8489, incorporated by reference).
3(ii)            -    Bylaws as in effect on September 21, 1994 (Exhibit 3(ii), Form 10-K for the fiscal year ended December 31,
                      1994, File No. 1-8489, incorporated by reference).
4(i)             -    See Exhibit 3(i) above.
4(ii)            -    Indenture of Mortgage of Virginia Electric and Power Company, dated November 1, 1935, as supplemented and
                      modified by fifty-eight Supplemental Indentures (Exhibit 4(ii), Form 10-K for the fiscal year ended
                      December 31, 1985, File No. 1-2255, incorporated by reference); Fifty-Ninth Supplemental Indenture
                      (Exhibit 4(ii), Form 10-Q for the quarter ended March 31, 1986, File No. 1-2255, incorporated by
                      reference); Sixtieth Supplemental Indenture (Exhibit 4(ii), Form 10-Q for the quarter ended September 30,
                      1986, File No. 1-2255, incorporated by reference); Sixty-First Supplemental Indenture (Exhibit 4(ii), Form
                      10-Q for the quarter ended June 30, 1987, File No. 1-2255, incorporated by reference); Sixty-Second
                      Supplemental Indenture (Exhibit 4(ii), Form 8-K, dated November 3, 1987, File No. 1-2255, incorporated by
                      reference); Sixty-Third Supplemental Indenture (Exhibit 4(i), Form 8-K, dated June 8, 1988, File No.
                      1-2255, incorporated by reference); Sixty-Fourth Supplemental Indenture (Exhibit 4(i), Form 8-K, dated
                      February 8, 1989, File No. 1-2255, incorporated by reference); Sixty-Fifth Supplemental Indenture (Exhibit
                      4(i), Form 8-K, dated June 22, 1989, File No. 1-2255, incorporated by reference); Sixty-Sixth Supplemental
                      Indenture, (Exhibit 4(i), Form 8-K, dated February 27, 1990, File No. 1 -2255, incorporated by reference);
                      Sixty-Seventh Supplemental Indenture (Exhibit 4(i), Form 8-K, dated April 2, 1991, File No. 1-2255,
                      incorporated by reference); Sixty-Eighth Supplemental Indenture, (Exhibit 4(i)), Sixty-Ninth Supplemental
                      Indenture, (Exhibit 4(ii)) and Seventieth Supplemental Indenture, (Exhibit 4(iii), Form 8-K, dated
                      February 25, 1992, File No. 1-2255, incorporated by reference); Seventy-First Supplemental Indenture
                      (Exhibit 4(i)) and Seventy-Second Supplemental Indenture, (Exhibit 4(ii), Form 8-K, dated July 7, 1992,
                      File No. 1-2255, incorporated by reference); Seventy-Third Supplemental Indenture, (Exhibit 4(i), Form
                      8-K, dated August 6, 1992, File No. 1-2255, incorporated by reference); Seventy-Fourth Supplemental
                      Indenture (Exhibit 4(i), Form 8-K, dated February 10, 1993, File No. 1-2255, incorporated by reference);
                      Seventy-Fifth Supplemental Indenture, (Exhibit 4(i), Form 8-K, dated April 6, 1993, File No. 1-2255,
                      incorporated by reference); Seventy-Sixth Supplemental Indenture, (Exhibit 4(i), Form 8-K, dated April 21,
                      1993, File No. 1-2255, incorporated by reference); Seventy-Seventh Supplemental Indenture, (Exhibit 4(i),
                      Form 8-K, dated June 8, 1993, File No. 1-2255, incorporated by reference); Seventy-Eighth Supplemental
                      Indenture, (Exhibit 4(i), Form 8-K, dated August 10, 1993, File No. 1-2255, incorporated by reference);
                      Seventy-Ninth Supplemental Indenture, (Exhibit 4(i), Form 8-K, dated August 10, 1993, File No. 1-2255,
</TABLE>
 
                                       38
 
<PAGE>
<TABLE>
<S> <C>                
                      incorporated by reference); Eightieth Supplemental Indenture, (Exhibit 4(i), Form 8-K, dated October 12,
                      1993, File No. 1-2255, incorporated by reference); Eighty-First Supplemental Indenture, (Exhibit 4(iii),
                      Form 10-K for the fiscal year ended December 31, 1993, File No. 1-2255, incorporated by reference);
                      Eighty-Second Supplemental Indenture, (Exhibit 4(i), Form 8-K, dated January 18, 1994, File No. 1-2255,
                      incorporated by reference); Eighty-Third Supplemental Indenture (Exhibit 4(i), Form 8-K, dated October 19,
                      1994, File No. 1-2255, incorporated by reference); Eighty-Fourth Supplemental Indenture (Exhibit 4(i),
                      Form 8-K, dated March 23, 1995, File
                      No. 1-2255, incorporated by reference, and Eighty-Fifth Supplemental Indenture (Exhibit 4(i), Form 8-K,
                      dated February 20, 1997, File No. 1-2255, incorporated by reference).
4(iii)           -    Indenture, dated April 1, 1985, between Virginia Electric and Power Company and Crestar Bank (formerly
                      United Virginia Bank) (Exhibit 4(iv), Form 10-K for the fiscal year ended December 31, 1993, File No.
                      1-2255, incorporated by reference).
4(iv)            -    Indenture, dated as of June 1, 1986, between Virginia Electric and Power Company and Chemical Bank
                      (Exhibit 4(v), Form 10-K for the fiscal year ended December 31, 1993, File No. 1-2255, incorporated by
                      reference).
4(v)             -    Indenture, dated April 1, 1988, between Virginia Electric and Power Company and Chemical Bank, as
                      supplemented and modified by a First Supplemental Indenture, dated August 1, 1989, (Exhibit 4(vi), Form
                      10-K for the fiscal year ended December 31, 1993, File No. 1-2255, incorporated by reference).
4(vi)            -    Subordinated Note Indenture, dated as of August 1, 1995 between Virginia Electric and Power Company and
                      Chase Manhattan Bank (formerly Chemical Bank), as Trustee, as supplemented (Exhibit 4(a), Form S-3
                      Registration Statement File No. 333-20561 as filed on January 28, 1997, incorporated by reference).
4(vii)           -    Dominion Resources agrees to furnish to the Commission upon request any other instrument with respect to
                      long-term debt as to which the total amount of securities authorized thereunder does not exceed 10% of
                      Dominion Resources' total assets.
10(i)            -    Operating Agreement, dated June 17, 1981, between Virginia Electric and Power Company and Monongahela
                      Power Company, the Potomac Edison Company, West Penn Power Company, and Allegheny Generating Company
                      (Exhibit 10(vi), Form 10-K for the fiscal year ended December 31, 1983, File No. 1-8489, incorporated by
                      reference).
10(ii)           -    Purchase, Construction and Ownership Agreement, dated as of December 28, 1982 but amended and restated on
                      October 17, 1983, between Virginia Electric and Power Company and Old Dominion Electric Cooperative
                      (Exhibit 10(viii), Form 10-K for the fiscal year ended December 31, 1983, File No. 1-8489, incorporated by
                      reference).
10(iii)          -    Interconnection and Operating Agreement, dated as of December 28, 1982 as amended and restated on October
                      17, 1983, between Virginia Electric and Power Company and Old Dominion Electric Cooperative (Exhibit
                      10(ix), Form 10-K for the fiscal year ended December 31, 1983, File No. 1-8489, incorporated by
                      reference).
10(iv)           -    Nuclear Fuel Agreement, dated as of December 28, 1982 as amended and restated on October 17, 1983, between
                      Virginia Electric and Power Company and Old Dominion Electric Cooperative (Exhibit 10(x), Form 10-K for
                      the fiscal year ended December 31, 1983, File No. 1-8489, incorporated by reference).
10(v)            -    Credit Agreements, dated as of June 7, 1996, between Chase Manhattan Bank (formerly Chemical Bank) and
                      Virginia Electric and Power Company (Exhibit 10(i) and Exhibit 10(ii), Form 10-Q for the period ended June
                      30, 1996. File No. 1-2255, incorporated by reference).
10(vi)           -    Inter-Company Credit Agreement, dated December 20, 1985, as modified on August 21, 1987, between Dominion
                      Resources and Dominion Capital, Inc. (Exhibit 10(vi), Form 10-K for the fiscal year ended December 31,
                      1993, File No. 1-8489, incorporated by reference).
10(vii)          -    Inter-Company Credit Agreement, dated October 1, 1987 as amended and restated as of May 1, 1988 between
                      Dominion Resources and Dominion Energy, Inc. (Exhibit 10(vii), Form 10-K for the fiscal year ended
                      December 31, 1993, File No. 1-8489, incorporated by reference).
</TABLE>
 
                                       39
 
<PAGE>
<TABLE>
<S> <C>                
10(viii)         -    Inter-Company Credit Agreement, dated as of September 1, 1988 between Dominion Resources and Dominion
                      Lands, Inc. (Exhibit 10(viii), Form 10-K for the fiscal year ended December 31, 1993, File No. 1-8489,
                      incorporated by reference).
10(ix)           -    Form of Amended and Restated Articles of Partnership in Commendam of Catalyst Old River Hydroelectric
                      Limited Partnership, by and between Catalyst Vidalia Corporation and Dominion Capital, Inc. effective as
                      of August 24, 1990 (Exhibit 10(xii) Form 10-K for the fiscal year ended December 31, 1990, File No.
                      1-8489, incorporated by reference).
10(x)            -    Supplemental Funding Agreement, dated as of August 24, 1990, by and among Dominion Capital, Inc., Catalyst
                      Old River Hydroelectric Limited Partnership and First National Bank of Commerce (Exhibit 10(xiii) Form
                      10-K for the fiscal year ended December 31, 1990, File No. 1-8489, incorporated by reference).
10(xi)           -    Credit Agreement, dated December 1, 1985, between Virginia Electric and Power Company and Old Dominion
                      Electric Cooperative (Exhibit 10(xix), Form 10-K for the fiscal year ended December 31, 1985, File No.
                      1-8489, incorporated by reference).
10(xii)          -    Agreement for Northern Virginia Services, dated as of November 1, 1985, between Potomac Electric Power
                      Company and Virginia Electric and Power Company (Exhibit 10(xxi), Form 10-K for the fiscal year ended
                      December 31, 1985, File No. 1-8489, incorporated by reference).
10(xiii)         -    Purchase, Construction and Ownership Agreement, dated May 31, 1990, between Virginia Electric and Power
                      Company and Old Dominion Electric Cooperative (Exhibit 10(xi), Form 10-K for the fiscal year ended
                      December 31, 1990, File No. 1 -2255, incorporated by reference).
10(xiv)          -    Operating Agreement, dated May 31, 1990, between Virginia Electric and Power Company and Old Dominion
                      Electric Cooperative (Exhibit 10(xii), Form 10-K for the fiscal year ended December 31, 1990, File No.
                      1-2255, incorporated by reference).
10(xv)           -    Coal-Fired Unit Turnkey Contract (Volume 1), dated April 6, 1989, and the United 2 Amendment (Volume 1),
                      dated May 31, 1990 between Virginia Electric and Power Company and Old Dominion Electric Cooperative,
                      Westinghouse, Black & Veatch, Combustion Engineering and H. B. Zachry (Volumes 2-11 contain technical
                      specifications) (Exhibit 10(xiii), Form 10-K for the fiscal year ended December 31, 1990, File No. 1-2255,
                      incorporated by reference).
10(xvi)          -    Trust Agreement of Dominion Resources Black Warrior Trust, dated May 31, 1994, among Dominion Black
                      Warrior Basin, Inc., Dominion Resources, Inc., Mellon Bank (DE) National Association and Nationsbank of
                      Texas, N.A. (Exhibit 3.1, Amendment No. 1 to Registration Statement, File No. 33-53513, filed June 1,
                      1994, incorporated by reference).
10(xvii)         -    First Amendment of Trust Agreement of Dominion Resources Black Warrior Trust, dated June 27, 1994, among
                      Dominion Black Warrior Basin, Inc., Dominion Resources, Inc., Mellon Bank (DE) National Association and
                      Nationsbank of Texas, N.A. (Exhibit 10(ii), Form 10-Q for the quarter ended June 30, 1994, File No.
                      1-8489, incorporated by reference).
10(xviii)*       -    Dominion Resources, Inc. Directors' Deferred Compensation Plan, effective July 1, 1986, as amended and
                      restated effective January 1, 1996 (filed herewith).
10(xix)*         -    Dominion Resources, Inc. Performance Achievement Plan, effective January 1, 1986, as amended and restated
                      effective February 19, 1988 (Exhibit 10(xxi), Form 10-K for the fiscal year ended December 31, 1988, File
                      No. 1-8489, incorporated by reference).
10(xx)*          -    Dominion Resources, Inc. Executive Supplemental Retirement Plan, effective January 1, 1981 as amended and
                      restated effective October 22, 1988 and amended and restated June 15, 1990 (Exhibit 10(xxiv), Form 10-K
                      for the fiscal year ended December 31, 1990, File No. 1-8489, incorporated by reference).
10(xxi)*         -    Arrangements with certain executive officers regarding additional credited years of service for retirement
                      and retirement life insurance purposes (Exhibit 10(xxv), Form 10-K for the fiscal year ended December 31,
                      1991, File No. 1-8489, incorporated by reference).
10(xxii)*        -    Dominion Resources, Inc.'s Cash Incentive Plan as adopted December 20, 1991 (Exhibit 10(xxii), Form 10-K
                      for the fiscal year ended December 31, 1991, File No. 1-8489, incorporated by reference).
</TABLE>
 
                                       40
 
<PAGE>
<TABLE>
<S> <C>                
10(xxiii)*       -    Form of Employment Continuity Agreement for certain officers of Dominion Resources (Exhibit (xxvi), Form
                      10-K for the fiscal year ended December 31, 1994, File No. 1-8489, incorporated by reference).
10(xxiv)*        -    Dominion Resources, Inc. Retirement Benefit Funding Plan, effective June 29, 1990 (Exhibit 10(xxxiii),
                      Form 10-K for the fiscal year ended December 31, 1990, File No. 1-8489, incorporated by reference).
10(xxv)*         -    Dominion Resources, Inc. Retirement Benefit Restoration Plan as adopted effective January 1, 1991 (Exhibit
                      10(xxvii), Form 10-K for the fiscal year ended December 31, 1992, File No. 1-8489, incorporated by
                      reference).
10(xxvi)*        -    Dominion Resources, Inc. Executives' Deferred Compensation Plan, effective January 1, 1994 and as amended
                      and restated January 1, 1997 (filed herewith).
10(xxvii)*       -    Employment Agreement dated April 12, 1995 (Exhibit 10(i), Form 10-Q for the quarter ended March 31, 1995,
                      File No. 1-8489, incorporated by reference) and an amendment dated September 15, 1995 between Dominion
                      Resources and Thos. E. Capps (Exhibit 10(i), Form 10-Q for the quarter ended September 30, 1995, File No.
                      1-8489, incorporated by reference).
10(xxviii)*      -    Employment Agreement dated April 12, 1995 (Exhibit 10(i), Form 10-Q for the quarter ended March 31, 1995,
                      File No. 1-8489, incorporated by reference) and an amendment dated September 15, 1995 between Virginia
                      Power and James T. Rhodes (Exhibit 10(i), Form 10-Q for the quarter ended September 30, 1995, File No.
                      1-8489, incorporated by reference).
10(xxix)*        -    Form of three year Employment Agreement between Dominion Resources and David L. Heavenridge and certain
                      other executive officers of Dominion Resources (Exhibit 10(xxxiii), Form 10-K for the fiscal year ended
                      December 31, 1994, File No. 1-8489, incorporated by reference).
10(xxx)*         -    Dominion Resources, Inc. Stock Accumulation Plan for Outside Directors, effective April 23, 1996 (Exhibit
                      10, Form 10-Q for the quarter ended March 31, 1996, File No. 1-8489, incorporated by reference).
10(xxxi)*        -    Employment Agreement dated February 21, 1997 between Dominion Resources and Norman Askew (filed herewith).
10(xxxii)        -    Recommended Cash Offer dated November 22, 1996 by SBC Warburg and Wasserstein Perella & Co. Limited on
                      behalf of DR Investments (UK) PLC, a wholly owned subsidiary of Dominion Resources, Inc. (filed herewith).
11               -    Computation of Earnings Per Share of Common Stock Assuming Full Dilution (filed herewith).
13               -    Portions of the 1996 Annual Report to Shareholders for the fiscal year ended December 31, 1996 (filed
                      herewith).
21               -    Subsidiaries of the Registrant (filed herewith).
23               -    Consent of Deloitte & Touche LLP (filed herewith).
27               -    Financial Data Schedule (filed herewith).
</TABLE>
 
- ---------------
 
* Indicates management contract or compensatory plan or arrangement.
 
B. Reports on Form 8-K
 
     Dominion Resources filed a report on Form 8-K, dated January 23, 1997,
reporting the acquisition, through a newly created United Kingdom subsidiary, of
East Midlands Electricity plc, a regional electricity company based in the
United Kingdom.
 
     Dominion Resources filed an amendment to the above Form 8-K, dated January
23, 1997, on March 20, 1997 (Form 8-K/A), reporting the financial statements and
pro forma financial information for the acquisition of East Midlands Electricity
plc in the United Kingdom.
 
                                       41
 
<PAGE>
                                   SIGNATURES
 
     Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on
its behalf by the undersigned, thereunto duly authorized.

                                         DOMINION RESOURCES, INC.

                                         By:            THOS. E. CAPPS
                                           ------------------------------------
                                             (Thos. E. Capps, Chairman of the
                                                     Board of Directors,
                                               President and Chief Executive
                                                          Officer)

Date: MARCH 24, 1997

     Pursuant to the requirements of the Securities Exchange Act of 1934, this
report has been signed below by the following persons on behalf of the
registrant and in the capacities indicated and on the 24th day of March, 1997.

         Signature                            Title
         ---------                            -----

       JOHN B. ADAMS, JR.                 Director
- ---------------------------------------
       John B. Adams, Jr.

       JOHN B. BERNHARDT                  Director
- ---------------------------------------
       John B. Bernhardt

       THOS. E. CAPPS                     Chairman of the Board of Directors,
- ---------------------------------------   President (Chief Executive Officer)
       Thos. E. Capps                     and Director

    BENJAMIN J. LAMBERT, III              Director
- ---------------------------------------
    Benjamin J. Lambert, III

     RICHARD L. LEATHERWOOD               Director
- ---------------------------------------
     Richard L. Leatherwood

     HARVEY L. LINDSAY, JR.               Director
- ---------------------------------------
     Harvey L. Lindsay, Jr.

         K. A. RANDALL                    Director
- ---------------------------------------
         K. A. Randall

        WILLIAM T. ROOS                   Director
- ---------------------------------------
        William T. Roos

         FRANK S. ROYAL                   Director
- ---------------------------------------
         Frank S. Royal

         JUDITH B. SACK                   Director
- ---------------------------------------
     Judith B. Sack

                                       42

<PAGE>


         Signature                            Title
         ---------                            -----

       S. DALLAS SIMMONS                  Director
- ---------------------------------------
       S. Dallas Simmons

                                          Director
- ---------------------------------------
      Robert H. Spilman

     LINWOOD R. ROBERTSON                 Executive Vice President
- ---------------------------------------   (Chief Financial Officer)
    Linwood R. Robertson

       J. L. TRUEHEART                    Vice President and Controller
- ---------------------------------------   (Principal Accounting Officer)
       J. L. Trueheart

                                       43



<PAGE>
                            DOMINION RESOURCES, INC.

                                    PORTIONS
                                     OF THE
                                      1996
                                 ANNUAL REPORT
                                       TO
                                  SHAREHOLDERS
                          (Incorporated by Reference)



</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10
<SEQUENCE>2
<DESCRIPTION>EX-10(XVIII)
<TEXT>


                                                              EXHIBIT 10 (xviii)

                            DOMINION RESOURCES, INC.

                     DIRECTORS' DEFERRED COMPENSATION PLAN














                            As Amended and Restated
                           Effective January 1, 1996









                             For the Directors of:

                            Dominion Resources, Inc.
                      Virginia Electric and Power Company
                             Dominion Capital, Inc.
                             Dominion Energy, Inc.
                              Dominion Lands, Inc.


<PAGE>






                               TABLE OF CONTENTS


Section                                                                   Page


1.       PURPOSE...........................................................  1

2.       DEFINITIONS.......................................................  1

3.       PARTICIPATION.....................................................  4

4.       DEFERRAL ELECTION.................................................  4

5.       EFFECT OF NO ELECTION.............................................  5

6.       DEFERRED CASH BENEFITS............................................  6

7.       DEFERRED STOCK BENEFITS...........................................  6

8.       DISTRIBUTION OF DEFERRED BENEFITS.................................  7

9.       HARDSHIP DISTRIBUTIONS............................................ 10

10.      COMPANY'S OBLIGATION.............................................. 10

11.      CONTROL BY PARTICIPANT............................................ 11

12.      CLAIMS AGAINST PARTICIPANT'S BENEFITS............................. 11

13.      AMENDMENT OR TERMINATION.......................................... 11

14.      NOTICES........................................................... 12

15.      WAIVER............................................................ 12

16.      CONSTRUCTION...................................................... 12

17.      CORPORATE AND COMMITTEE ACTIONS AND RESPONSIBILITIES.............. 12




<PAGE>




1.       PURPOSE.  The Dominion Resources, Inc. Director's Deferred Compensation
         Plan (the "Plan"), is intended to constitute a deferred compensation
         plan for directors' fees in accordance with Revenue Ruling 71-419,
         1971-2 C.B. 220.

2.       DEFINITIONS.  The following definitions apply to this Plan and to the
         Deferral Election Forms.

         (a)      Beneficiary or Beneficiaries means a person or persons or
                  other entity designated on a Beneficiary Designation Form by a
                  Participant as allowed in subsection 8(C)to receive Deferred
                  Benefits.  If there is no valid designation by the
                  Participant, or if the designated Beneficiary or Beneficiaries
                  fail to survive the Participant or otherwise fail to take the
                  benefit, the Participant's Beneficiary is the first of the
                  following who survives the Participant:  a Participant's
                  spouse (the person legally married to the Participant when the
                  Participant dies); the Participant's children in equal shares
                  and the Participant's other surviving issue, per stirpes; the
                  Participant's parents; and the Participant's estate.

         (b)      Beneficiary Designation Form means a form acceptable to the
                  Chairman of the Committee or his designee used by a
                  Participant according to this Plan to name the Participant's
                  Beneficiary or Beneficiaries who will receive Deferred
                  Benefits under this Plan on account of the Participant's
                  death.

         (c)      Board means the board of directors of the Company, according
                  to law and to each entity's governing documents.

         (d)      Committee means the Organization and Compensation Committee of
                  Dominion in the case of a DRI Participant or his Beneficiary,
                  and the Organization and Compensation Committee of Virginia
                  Electric and Power Company, in the case of a Virginia Power
                  Participant or his Beneficiary; provided, however, that all
                  determinations involving the Deferred Stock Account of a
                  Participant who is not an Unrestricted Participant shall be
                  subject to the approval of the Organization and Compensation
                  Committee of Dominion.

         (e)      Company means Dominion Resources, Inc.; Virginia Electric and
                  Power Company; and any of their affiliates that with approval
                  of the board of directors of Dominion Resources, Inc. adopt or
                  have adopted this Plan; any successor business by merger,
                  purchase, or otherwise that maintains the Plan; or any
                  predecessor business or employer that has maintained the Plan.

         (f)      Compensation means a Director's Meeting Fees and Retainer Fees
                  for the Deferral Year.

         (g)      Deferral Election Form means a document governed by the
                  provisions of section 4 of this Plan, including the portion
                  that is the Distribution Election Form and the related
                  Beneficiary Designation Form that applies to all of that
                  Participant's Deferred Benefits under the Plan.


<PAGE>


                                      -2-


         (h)      Deferral Year means a calendar year for which a Director has
                  an operative Deferral Election Form.

         (i)      Deferred Benefit means either a Deferred Cash Benefit or a
                  Deferred Stock Benefit under the Plan for a Participant who
                  has submitted an operative Deferral Election Form pursuant to
                  section 4 of this Plan.

         (j)      Deferred Cash Account means that bookkeeping record
                  established for each Participant who elects a Deferred Cash
                  Benefit under this Plan.  A Deferred Cash Account is
                  established only for purposes of measuring a Deferred Cash
                  Benefit and not to segregate assets or to identify assets that
                  may or must be used to satisfy a Deferred Cash Benefit.  A
                  Deferred Cash Account will be credited with the Participant's
                  Compensation deferred as a Deferred Cash Benefit according to
                  a Deferral Election Form and according to section 6 of this
                  Plan.  A Deferred Cash Account will be credited periodically
                  with amounts based upon interest rates established by the
                  Committee under subsection 6(b) of this Plan.

         (k)      Deferred Cash Benefit means the Deferred Benefit elected by a
                  Participant under section 4 that results in payments governed
                  by sections 6 and 8 of this Plan.

         (l)      Deferred Stock Account means that bookkeeping record
                  established for each Participant who elects a Deferred Stock
                  Benefit under this Plan.  A Deferred Stock Account is
                  established only for purposes of measuring a Deferred Stock
                  Benefit and not to segregate assets or to identify assets that
                  may or must be used to satisfy a Deferred Stock Benefit.  A
                  Deferred Stock Account will be credited with the Participant's
                  Compensation deferred as a Deferred Stock Benefit according to
                  a Deferral Election Form and according to section 7 of this
                  Plan.  A Deferred Stock Account will be credited periodically
                  with amounts determined by the Committee under subsection 7(b)
                  of this Plan.

         (m)      Deferred Stock Benefit means the Deferred Benefit elected by a
                  Participant under section 4 that results in payments governed
                  by sections 7 and 8 of this Plan.

         (n)      Director means a duly elected or appointed member of the Board
                  who is eligible to participate in this Plan according to
                  criteria which may from time to time be adopted by that
                  Company.

         (o)      Distribution Election Form means that part of a Deferral
                  Election Form used by a Participant according to this Plan to
                  establish the duration of deferral and the frequency of
                  payments of a Deferred Benefit. If a Deferred Benefit has no
                  Distribution Election Form that is operative according to
                  section 4 of this Plan, distribution of that Deferred Benefit
                  is governed by section 8(b) of this Plan.



<PAGE>


                                      -3-


         (p)      Dominion means Dominion Resources, Inc.

         (q)      DRI Participant means a Participant to the extent that the
                  Participant deferred Compensation under this Plan that was
                  payable by Dominion or another Company that is a nonregulated
                  subsidiary of Dominion.

         (r)      Election Date means the date established by this Plan as the
                  date before which a Director must submit a valid Deferral
                  Election Form to the Committee. For each Deferral Year, the
                  Election Date is December 31 of the preceding calendar year.
                  However, for an individual who becomes a Director during a
                  Deferral Year, the Election Date is the thirtieth day
                  following the date that he becomes a Director. Despite the two
                  preceding sentences, the Committee may set an earlier date as
                  the Election Date for any Deferral Year.

         (s)      Meeting Fees means the portion of a Director's Compensation
                  that is based upon the Director's attendance at Board meetings
                  and meetings of the Company's committees, according to the
                  Company's established rules and procedures for compensating
                  Directors.

         (t)      Participant means, with respect to any Deferral Year, a
                  Director whose Deferral Election Form is operative for that
                  Deferral Year.

         (u)      Plan means the Dominion Resources, Inc. Directors' Deferred
                  Compensation Plan.

         (v)      Retainer Fee means that portion of a Director's Compensation
                  that is fixed and paid without regard to the Director's
                  attendance at meetings.

         (w)      Terminate, Terminating, or Termination, with respect to a
                  Participant, mean cessation of the Participant's relationship
                  with the Company as a Director whether by death, disability or
                  severance for any other reason. Unless the Committee
                  determines otherwise in its sole discretion, Terminate,
                  Terminating, or Termination do not include situations where
                  the Participant continues to be employed by a Company or a
                  Director on the Board of a Company.

         (x)      Unrestricted Participant means a Participant who is not
                  subject to the reporting requirements and other provisions of
                  Section 16 of the Securities Exchange Act of 1934 with respect
                  to Dominion.

         (y)      Virginia Power Participant means a Participant to the extent
                  that the Participant deferred Compensation under this Plan
                  that was payable by Virginia Electric and Power Company.



<PAGE>


                                      -4-


3.       PARTICIPATION.  A Member becomes a Participant with respect to a
         Deferred Benefit by filing a valid Deferral Election Form according to
         section 4 on or before the Election Date for that Deferral Year, but
         only if his Deferral Election Form is operative according to section 4.

4.       DEFERRAL ELECTION.  A deferral election is valid when a Deferral
         Election Form is completed, signed by the electing Director, and
         received by the Committee Chairman or the Committee Chairman's
         delegate.  Deferral elections are governed by the provisions of this
         section.

         (a)      A Participant may elect a Deferred Benefit for any Deferral
                  Year if that person is a Director at the beginning of that
                  Deferral Year or becomes a Director during that Deferral Year.

         (b)      Before each Deferral Year's Election Date, each Director will
                  be provided with a Deferral Election Form and a Beneficiary
                  Designation Form.  Under the Deferral Election Form for a
                  single Deferral Year, a Director may elect on or before the
                  Election Date to defer the receipt of all or part of the
                  Director's Retainer Fee (in 10% increments) or the Director's
                  Meeting Fees (in 10% increments), or both for the Deferral
                  Year. Under the Deferral Election Form for a single Deferral
                  Year, a Director may elect on or before the Election Date to
                  defer receipt of all or part of the Director's Retainer Fee
                  (in 10% increments) payable in specified calendar quarters of
                  the Deferral Year or all or part of the Director's Meeting
                  Fees (in 10% increments) payable in specified calendar
                  quarters of the Deferral Year, or both.

         (c)      A Participant's Deferral Election Form for the Participant's
                  Retainer Fee may specify either a Deferred Cash Benefit (in
                  10% increments of the deferred amount) or a Deferred Stock
                  Benefit (in 10% increments of the deferred amount), or a
                  combination thereof and for the Participant's Meeting Fees may
                  specify a Deferred Cash Benefit (in 10% increments of the
                  amount deferred) or a Deferred Stock Benefit (in 10%
                  increments of the amount deferred), or a combination thereof.

         (d)      If a Participant is a Director for more than one Company, the
                  Participant's Deferral Election Form shall apply to all the
                  Participant's Meeting Fees, Retainer Fees or Compensation
                  (based on the percentages indicated by the Participant on the
                  Deferral Election Form) payable to the Participant as a
                  Director; provided that the Participant may, with the
                  permission of the Committee, complete a separate Deferral
                  Election Form covering such fees payable to the Participant as
                  a Director from each such Company.

         (e)      Except as provided in this subsection and in the situation
                  described in subsection 13(b) of this Plan and subsections
                  6(C) and 7(c), a Participant may not elect to convert a
                  Deferred Cash Benefit to a Deferred Stock Benefit or to
                  convert a Deferred Stock


<PAGE>


                                      -5-


                  Benefit to a Deferred Cash Benefit. If a Participant's
                  election of a Deferred Stock Benefit is subject to the
                  contingency described in subsection 13(b) of this Plan, the
                  Participant may file a Deferred Cash Benefit/Deferred Stock
                  Benefit Election Form for the affected Deferral Year (or part
                  thereof) on or before the designated Election Date and elect
                  to convert a Deferred Cash Benefit into a Deferred Stock
                  Benefit as of the effective date of the Plan provision
                  relating to Deferred Stock Benefits, determined under
                  subsection 13(b).

         (f)      Each Distribution Election Form is part of the Deferral
                  Election Form on which it appears or to which it states that
                  it is related. The Committee may allow a Participant to file
                  one Distribution Election Form for all of the Participant's
                  Deferred Cash Benefits, all of the Participant's Deferred
                  Stock Benefits or all of the Participant's Deferred Benefits.
                  The provisions of section 8(b) of this Plan apply to any
                  Deferred Benefit under this Plan if there is no operative
                  Distribution Election Form for that Deferred Benefit.

         (g)      If it does so before the last business day of the Deferral
                  Year, the Committee may reject any Deferral Election Form or
                  any Distribution Election Form or both, and the Committee is
                  not required to state a reason for any rejection.  The
                  Committee may modify any Distribution Election Form at any
                  time to the extent necessary to comply with any federal
                  securities laws or regulations.  However, the Committee's
                  rejection of any Deferral Election Form or any Distribution
                  Election Form or the Committee's modification of any
                  Distribution Election Form must be based upon action taken
                  without regard to any vote of the Director whose Deferral
                  Election Form or Distribution Election Form is under
                  consideration, and the Committee's rejections must be made on
                  a uniform basis with respect to similarly situated Directors.
                  If the Committee rejects a Deferral Election Form, the
                  Director must be paid the amounts that the Director would then
                  have been entitled to receive if the Director had not
                  submitted the rejected Deferral Election Form.

         (h)      A Director may not revoke a Deferral Election Form or a
                  Distribution Election Form after the Deferral Year begins. Any
                  revocation before the beginning of the Deferral Year is the
                  same as a failure to submit a Deferral Election Form or a
                  Distribution Election Form. Any writing signed by a
                  Participant expressing an intention to revoke a Deferral
                  Election Form or a related Distribution Election Form and
                  delivered to a member of the Committee before the close of
                  business on the relevant Election Date is a revocation.

5.       EFFECT OF NO ELECTION.  A Director who has not submitted a valid
         Deferral Election Form to the Committee on or before the relevant
         Election Date may not defer any part of the Director's Compensation for
         the Deferral Year under this Plan.  The Deferred Benefit of a Director
         who submits a valid Deferral Election Form but fails to submit a valid
         Distribution


<PAGE>


                                      -6-


         Election Form for that Deferred Benefit before the relevant Election
         Date or who otherwise has no valid Distribution Election Form for that
         Deferred Benefit is governed by section 8(b).

6.       DEFERRED CASH BENEFITS.

         (a)      Deferred Cash Benefits will be set up in a Deferred Cash
                  Account for each Participant and credited with interest at
                  rates determined by the Committee.  Deferred Cash Benefits
                  are credited to the applicable Participant's Deferred Cash
                  Account as of the day they would have been paid but for the
                  deferral or, in the case of an Unrestricted Participant's
                  transfer of an amount from the Unrestricted Participant's
                  Deferred Stock Account pursuant to subsection 7(c), the date
                  that the Unrestricted Participant's written transfer direction
                  is received by the Committee or its designate.  Interest is
                  credited on the first day of each month based on the Deferred
                  Cash Account balance at the end of the preceding day.

         (b)      Interest will be credited to Deferred Cash Accounts based on
                  average three-month United States Treasury Bill rates
                  (equivalent yield, not discount yield) as published by the
                  Federal Reserve Board.  The applicable rate for each month
                  will be determined on the last business day of the previous
                  month.  Those interest rates will apply prospectively for all
                  current and future Deferred Cash Account balances until the
                  basis on which interest is determined is changed by the
                  Committee.  Interest credits are accrued monthly on
                  accumulated Deferred Cash Accounts.  Interest is accrued
                  through the end of the month preceding the month of
                  distribution of a Deferred Cash Benefit.

         (c)      If a Participant elects under the second sentence of
                  subsection 4(e) of this Plan to convert a Deferred Cash
                  Benefit into a Deferred Stock Benefit, the Participant's
                  Deferred Cash Account will be converted to a Deferred Stock
                  Account governed by section 7 of this Plan as of the date the
                  Plan's provisions relating to Deferred Stock Benefits become
                  effective for purposes of the Participant's election.  In
                  addition, once during each calendar year an Unrestricted
                  Participant may transfer all or part (in 10% increments) of
                  the Unrestricted Participant's Deferred Cash Account to the
                  Unrestricted Participant's Deferred Stock Account.

7.       DEFERRED STOCK BENEFITS.  Subject to subsection 13(b) of this Plan,
         electing Participants' Deferred Stock Benefits are governed by this
         section.

         (a)      Deferred Stock Benefits will be set up in a Deferred Stock
                  Account for each electing Participant and credited with
                  earnings at rates determined by the Committee. A Deferred
                  Stock Benefit attributable to a Retainer Fee is credited to
                  the Participant's Deferred Stock Account on the last day of
                  each calendar quarter of the Deferral Year. A Deferred Stock
                  Benefit attributable to a Meeting Fee is credited to the
                  Participant's Deferred Stock Account on the last day of the
                  month in which a meeting occurs. A Deferred Stock Benefit
                  attributable to an Unrestricted Participant's transfer of an


<PAGE>


                                      -7-


                  amount from the Unrestricted Participant's Deferred Cash
                  Account to the Unrestricted Participant's Deferred Stock
                  Account pursuant to subsection 7(c), the transferred amount is
                  credited to the Participant's Deferred Stock Account on the
                  date that the Unrestricted Participant's written transfer
                  direction is received by the Committee or its designate.

         (b)      Rates established by the Committee as the basis for additional
                  credits to Deferred Stock Accounts will be variable rates
                  equal to the value of dividends paid on Dominion common stock
                  when the additional credit is made.  The value of a Deferred
                  Stock Account at any relevant time equals the value of the
                  shares of Dominion common stock as if the Compensation
                  deferred by the Participant under the Plan and any additional
                  credits under this subsection had been used to purchase
                  Dominion common stock on the date those amounts were credited
                  to the Deferred Stock Account.  Additional credits are
                  credited on the last day of each calendar quarter on
                  accumulated Deferred Stock Accounts.  Additional credits are
                  accrued through the end of the year preceding the year of
                  distribution of a Deferred Stock Benefit.

         (c)      Once during each calendar year an Unrestricted Participant may
                  transfer all or part (in 10% increments) of the Unrestricted
                  Participant's Deferred Stock Account to the Unrestricted
                  Participant's Deferred Cash Account.

         (d)      If a trust is established under subsections 10(b) and 13(C) of
                  this Plan, an electing Participant may instruct the trustee
                  under the governing trust agreement how to vote shares of
                  Dominion common stock allocated to that Participant's separate
                  account under the trust according to this subsection and
                  provisions of the governing trust agreement. Before each
                  annual or special meeting of the Dominion shareholders, the
                  trustee under the governing trust agreement must furnish each
                  Participant with a copy of the proxy solicitation and other
                  relevant material for the meeting as furnished to the trustee
                  by Dominion, and a form addressed to the trustee requesting
                  the Participant's confidential instructions on how to vote
                  shares of Dominion common stock allocated to that
                  Participant's account as of the valuation date established
                  under the governing trust agreement preceding the record date.
                  Upon receipt of those instructions, the trustee under the
                  governing trust agreement must vote such stock as instructed.

8.       DISTRIBUTION OF DEFERRED BENEFITS.

         (a)      According to a Participant's Distribution Election Form, but
                  subject to Plan subsection 4(g), a Deferred Cash Benefit must
                  be distributed in cash. According to a Participant's
                  Distribution Election Form, but subject to Plan subsection
                  4(g), a Deferred Stock Benefit must be distributed in shares
                  of Dominion common stock equal in value to the value of the
                  Participant's Deferred Stock Account on the last day of the
                  month preceding the month of distribution. However, cash must
                  be paid in lieu of fractional shares of Dominion common stock
                  otherwise distributable. According


<PAGE>


                                      -8-


                  to the procedures of Plan subsection 4(g), the Committee may
                  modify any Participant's Distribution Election Form to prevent
                  any distribution of Dominion common stock to pay a Deferred
                  Stock Benefit if the total number of shares of such stock
                  distributed under this Plan after such distribution would
                  exceed 100,000 shares times the number of Participants in the
                  Plan on the relevant date.

         (b)      Except for distributions triggered by a Participant's
                  disability, Deferred Benefits will be paid in a lump sum
                  unless the Participant's Distribution Election Form specifies
                  installment payments over 10 years.  For a Deferred Cash
                  Benefit payable in installments, interest credits under Plan
                  subsection 6(b) continue to accrue on the unpaid balance of a
                  Deferred Cash Account.  For a Deferred Stock Benefit payable
                  in installments, additional credits under Plan subsection 7(b)
                  do not accrue on the unpaid balance of a Deferred Stock
                  Account after the year preceding the year in which payments
                  begin.  Instead, any additional credits that would have been
                  credited to a Deferred Stock Account are payable to the
                  applicable Participant in cash on the date that they would
                  otherwise have been credited.

                  If a Participant Terminates as a result of disability,
                  Deferred Benefits will be paid to such Participant in
                  installment payments over a period of 10 years commencing on
                  the date the Participant's disability is certified by the
                  Committee unless the Committee, in its sole discretion,
                  approves a longer or shorter payment period. If, after the
                  Participant's Termination as a result of disability, such
                  Participant recovers before the balance of the Participant's
                  Deferred Cash and Deferred Stock Accounts under the Plan are
                  exhausted, the Participant's distributions will be
                  discontinued and any remaining Deferred Benefits under the
                  Plan will be governed by the provisions of this section and
                  the Participant's Distribution Election Forms.

                  Unless otherwise specified in a Participant's Distribution
                  Election Form, any lump sum payment will be paid or
                  installment payments will begin to be paid on the February 15
                  of the year after the Participant's sixty-fifth birthday or on
                  the February 15 of the year after the Participant's
                  Termination, if earlier. For distributions that would
                  automatically be caused under the preceding sentence by a
                  Participant's Termination (other than by death or disability)
                  or for distributions that would otherwise automatically begin
                  because a Participant reaches age sixty-five, the Participant
                  may elect on his Distribution Election Form that payments are
                  to begin




<PAGE>


                                      -9-


                           (i)      on the February 15 following the
                  Participant's Termination, without regard to the Participant's
                  age; or

                           (ii)     on the February 15 following the
                  Participant's Termination and the Participant's attainment of
                  a specified age; or

                           (iii) even if the Participant does not Terminate, on
                  the February 15 following attainment of a specified age.

                  For purposes of these distribution election alternatives, the
                  specified age must be not less than the Participant's age two
                  years from the Election Date pertaining to the applicable
                  Deferral Year and not greater than the age at which there are
                  no earnings limitations in order to receive full social
                  security benefits (currently age 70). With the consent of the
                  Committee (which shall be given or withheld in its sole
                  discretion), an Unrestricted Participant may amend the
                  Unrestricted Participant's Distribution Election Form to
                  accelerate or postpone the commencement of benefits if (I) in
                  the case of a postponed distribution, the amendment is
                  approved by the Committee before the calendar year in which
                  benefit payments are scheduled to begin and (ii) in the case
                  of a postponed or accelerated distribution, the amended
                  payment date conforms to the requirements of the Plan.

         (c)      Deferred Benefits may not be assigned by a Participant or
                  Beneficiary.  A Participant may use only one Beneficiary
                  Designation Form to designate one or more Beneficiaries for
                  all of the Participant's Deferred Benefits under the Plan;
                  such designations are revocable.  Each Beneficiary will
                  receive the Beneficiary's portion of the Participant's
                  Deferred Cash Account and Deferred Stock Account on February
                  15 of the year following the Participant's death unless the
                  Beneficiary's request for accelerated payment is approved at
                  the Committee's discretion under section 10 of this Plan or
                  unless the Beneficiary's request for a different distribution
                  schedule is received before distributions begin and is
                  approved at the Committee's discretion.  The Committee may
                  insist that multiple Beneficiaries agree upon a single
                  distribution method.

         (d)      Any Dominion common stock distributed pursuant to the Plan
                  shall have been acquired by an "agent independent of the
                  issuer" (i.e., the Company) within the meaning of 17 CFR
                  240.10b-18, as such regulation is in effect on April 19, 1985.
                  Such acquisitions may be effected in all cases on the open
                  market or, in the event that the Company makes available newly
                  issued common stock, directly from the Company, provided that
                  such common stock has been registered with the Securities and
                  Exchange Commission under the Securities Act of 1933, as
                  amended, or any successor thereto at the time such purchase is
                  made or an exemption from such registration requirement is, in
                  the opinion of counsel to the Company, available.



<PAGE>


                                      -10-


9.       HARDSHIP DISTRIBUTIONS.

         (a)      At its sole discretion and at the request of a Participant
                  before or after the Participant's Termination, or at the
                  request of any of the Participant's Beneficiaries after the
                  Participant's death, the Committee may accelerate and pay all
                  or part of any amount attributable to a Participant's Deferred
                  Benefits under this Plan.  Except as provided in Plan
                  subsection 8(b), accelerated distributions may be allowed only
                  in the event of a financial emergency beyond the Participant's
                  or Beneficiary's control and only if disallowance of a
                  distribution would create a severe hardship for the
                  Participant or Beneficiary.  An accelerated distribution must
                  be limited to the amount determined by the Committee to be
                  necessary to satisfy the financial emergency.

         (b)      For purposes of an accelerated distribution of a Deferred
                  Stock Benefit under this section, the Deferred Stock Benefit's
                  value is determined by the value of the Deferred Stock Account
                  at the time of the distribution.

         (c)      Only cash distributions are permitted under this section.
                  Distributions under this section must first be made from the
                  Participant's Deferred Cash Account before accelerating the
                  distribution of any amount attributable to a Deferred Stock
                  Benefit.

         (d)      A distribution under this section is in lieu of that portion
                  of the Deferred Benefit that would have been paid otherwise. A
                  Deferred Cash Benefit is adjusted for a distribution under
                  this section by reducing the Participant's Deferred Cash
                  Account balance by the amount of the distribution. A Deferred
                  Stock Benefit is adjusted for a distribution under this
                  section by reducing the value of the Participant's Deferred
                  Stock Account by the amount of the distribution.

10.      COMPANY'S OBLIGATION.

         (a)      The Plan is unfunded. A Deferred Benefit is at all times a
                  mere contractual obligation of the Company. A Participant and
                  the Participant's Beneficiaries have no right, title, or
                  interest in the Deferred Benefits or any claim against them.
                  Except according to Plan subsections 10(b) and 13(c), the
                  Company will not segregate any funds or assets for Deferred
                  Benefits nor issue any notes or security for the payment of
                  any Deferred Benefit.

         (b)      Subject to Plan subsection 13(c), the Company may establish a
                  grantor trust and transfer to that trust shares of Dominion
                  common stock or other assets. Trust assets must be invested
                  primarily in Dominion common stock for the purpose of
                  measuring the value of Deferred Stock Accounts under the Plan
                  to be distributed as Deferred Stock Benefits in the form of
                  Dominion common stock, plus cash in lieu of fractional shares.
                  The governing trust agreement must require a separate account
                  to be established for each


<PAGE>


                                      -11-


                  electing Participant. The governing trust agreement must also
                  require that all Company assets held in trust remain at all
                  times subject to the Company's judgment creditors.

11.      CONTROL BY PARTICIPANT.  A Participant has no control over Deferred
         Benefits except according to the Participant's Deferral Election Forms,
         Distribution Election Forms, and Beneficiary Designation Forms.

12.      CLAIMS AGAINST PARTICIPANT'S BENEFITS.  A Deferred Cash Account and a
         Deferred Stock Account relating to a Participant under this Plan are
         not subject in any manner to anticipation, alienation, sale, transfer,
         assignment, pledge, encumbrance, or charge, and any attempt to do so is
         void. Deferred Benefits are not subject to attachment or legal process
         for a Participant's debts or other obligations. Nothing contained in
         this Plan gives any Participant any interest, lien, or claim against
         any specific asset of the Company. A Participant or the Participant's
         Beneficiary has no rights other than as a general creditor.

13.      AMENDMENT OR TERMINATION. Except as otherwise provided in this section,
         this Plan may be altered, amended, suspended, or terminated at any time
         as to Dominion, Virginia Electric and Power Company, or any Company
         that has adopted the Plan (pursuant to Plan subsection 2(e)) by that
         entity's Board.

         (a)      The Plan shall be operated according to its terms (as amended
                  periodically) and as directed by the Committee until it is
                  effective.  Once the Plan is effective, the Board of Dominion,
                  Virginia Electric and Power Company, or any Company that has
                  adopted the Plan (pursuant to Plan subsection 2(e)) may alter,
                  amend, suspend, or terminate this Plan at any time as it
                  relates to its Directors.  However, except for a termination
                  of the Plan caused by the determination of the applicable
                  Board that the laws upon which the Plan is based have changed
                  in a manner that negates the Plan's objectives, that Board may
                  not alter, amend, suspend, or terminate this Plan without the
                  majority consent of all Directors who are Participants if that
                  action would result either in a distribution of all Deferred
                  Benefits in any manner other than as provided in this Plan or
                  that would result in immediate taxation of Deferred Benefits
                  to Participants. Notwithstanding the preceding sentence, if
                  any amendment to the Plan, subsequent to the date the Plan
                  becomes effective, adversely affects Deferred Benefits elected
                  hereunder, after the effective date of any such amendment, and
                  the Internal Revenue Service declines to rule favorably on any
                  such amendment or to rule favorably only if the applicable
                  Board makes amendments to the Plan not acceptable to such
                  Board, the Board of each Company, in its sole discretion, may
                  accelerate the distribution of part or all amounts
                  attributable to affected Deferred Benefits due its Directors
                  hereunder.

         (b)      This subsection applies if shareholder approval is required
                  for any or all elections by a Company's participating
                  Directors of Deferred Stock Benefits under the Plan. Despite
                  Plan subsection 13(a), Plan subsection 10(b) and all
                  provisions of this Plan relating


<PAGE>


                                      -12-

                  to Deferred Stock Benefits as to a designated Participant are
                  effective only on the first day of the month following the
                  month in which (i) a sufficient majority of the appropriate
                  entity's shareholders, determined under applicable federal and
                  state laws, approves those Plan provisions as to that
                  designated Participant; or (ii) counsel selected by the
                  Company determines that such approval is unnecessary.

         (c)      The Company may only contribute to a trustee under a trust
                  agreement by transferring cash or assets with a fair market
                  value equal to the value (determined at the nearest month end)
                  of the related Deferred Stock Accounts if the trust agreement
                  contains provisions sufficient (in the opinion of either the
                  Internal Revenue Service or counsel selected by the Company)
                  to allow the Participants to defer income taxation on Deferred
                  Stock Benefits until they are distributed according to this
                  Plan and provisions sufficient (in the opinion of counsel
                  selected by the Company) to exempt the Plan and the trust from
                  sections 10(b) and 16(b) of the Securities Exchange Act of
                  1934 and applicable rules and regulations.  If the Internal
                  Revenue Service refuses to give the required opinion on such a
                  trust, and if counsel selected by the Company is the opinion
                  that no such trust can be created, Plan subsection 10(b) and
                  all provisions of this Plan relating to Deferred Stock
                  Benefits will not become effective.

14.      NOTICES.  Notices and elections under this Plan must be in writing.  A
         notice or election is deemed delivered if it is delivered personally or
         if it is mailed by registered or certified mail to the person at such
         person's last known business address.

15.      WAIVER.  The waiver of a breach of any provision in this Plan does not
         operate as and may not be construed as a waiver of any later breach.

16.      CONSTRUCTION. This Plan is created, adopted, and maintained according
         to the laws of Virginia (except its choice-of-law rules). It is
         governed by those laws in all respects. Headings and captions are only
         for convenience; they do not have substantive meaning. If a provision
         of this Plan is not valid or not enforceable, that fact in no way
         affects the validity or enforceability of any other provision. Use of
         the one gender includes all, and the singular and plural include each
         other.

17.      CORPORATE AND COMMITTEE ACTIONS AND RESPONSIBILITIES. Each Company
         shall be solely responsible for the Plan as it relates to its
         Directors. Each Committee has delegated certain administrative
         determinations under the Plan that do not affect individuals'
         participation or awards. Notwithstanding any other provision of this
         Plan, the issuance of Dominion common stock in settlement of a Deferred
         Stock Benefit shall be subject to the approval of Dominion's Board
         which approval is evidenced by its adoption of this Plan.

                                      -13-






</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10
<SEQUENCE>3
<DESCRIPTION>EX-10(XXVI)
<TEXT>




                                                                EXHIBIT 10(xxvi)



                            DOMINION RESOURCES, INC.

                     EXECUTIVES' DEFERRED COMPENSATION PLAN



















                           Effective January 1, 1994
                   Amended and Restated as of January 1, 1997





                             For the Executives of:

                            Dominion Resources, Inc.
                      Virginia Electric and Power Company


<PAGE>



                               TABLE OF CONTENTS

Section                                                                     Page



1.       DEFINITIONS...........................................................1

2.       PURPOSE...............................................................3

3.       PARTICIPATION.........................................................3

4.       DEFERRAL ELECTION.....................................................3

5.       EFFECT OF NO ELECTION.................................................4

6.       INVESTMENT FUNDS......................................................4

7.       DRI STOCK FUND........................................................5

8.       DISTRIBUTIONS.........................................................6

9.       HARDSHIP DISTRIBUTIONS................................................7

10.      COMPANY'S OBLIGATION..................................................8

11.      CONTROL BY PARTICIPANT................................................8

12.      CLAIMS AGAINST PARTICIPANT'S DEFERRED BENEFITS........................8

13.      AMENDMENT OR TERMINATION..............................................8

14.      NOTICES...............................................................9

15.      WAIVER................................................................9

16.      CONSTRUCTION..........................................................9


                                       i

<PAGE>



1.       DEFINITIONS.  The following definitions apply to this Plan and to the
         Deferral Election Forms.

         (a)      Beneficiary or Beneficiaries means a person or persons or
                  other entity that a Participant designates on a Beneficiary
                  Designation Form to receive Deferred Benefit payments pursuant
                  to Plan Section 8(c).  If a Participant does not execute a
                  valid Beneficiary Designation Form, or if the designated
                  Beneficiary or Beneficiaries fail to survive the Participant
                  or otherwise fail to take the Deferred Benefit, the
                  Participant's Beneficiary or Beneficiaries shall be the first
                  of the following persons who survive the Participant: a
                  Participant's spouse (the person legally married to the
                  Participant when the Participant dies); the Participant's
                  children in equal shares and the Participant's estate.

         (b)      Beneficiary Designation Form means the form that a Participant
                  uses to name his Beneficiary or Beneficiaries.

         (c)      Company means Dominion Resources, Inc., Virginia Electric and
                  Power Company, and any of their affiliates that, with approval
                  of the DRI Board of Directors, adopt or have adopted this
                  Plan; any successor business by merger, purchase, or otherwise
                  that maintains the Plan.

         (d)      Company Stock means the common stock, no par value, of
                  Dominion Resources, Inc.

         (e)      Compensation means a Participant's base salary, cash incentive
                  pay and other cash compensation from the Company.

         (f)      Deferral Election Form means the form that a Participant uses
                  to elect to receive a Deferred Benefit pursuant to Plan
                  Section 4. A Participant's Distribution Election Form and
                  Beneficiary Designation Form are part of the Participant's
                  Deferral Election Form.

         (g)      Deferral Year means a calendar year for which an Executive's
                  Compensation is reduced pursuant to a valid Deferral Election
                  Form.

         (h)      Deferred Account  means a bookkeeping record established for
                  each Participant who is eligible to receive a Deferred
                  Benefit.  A Deferred Account shall be established only for
                  purposes of measuring a Deferred Benefit and not to segregate
                  assets or to identify assets that may be used to satisfy a
                  Deferred Benefit.  A Deferred Account shall be credited with
                  that amount of a Participant's Compensation deferred as a
                  Deferred Benefit according to a Participant's Deferral
                  Election Form.  A Deferred Account also shall be credited
                  periodically with deemed investment gain or loss under Plan
                  Section 6(b).

                                       1

<PAGE>





         (i)      Deferred Benefit means the benefit available to an Deferred
                  who has executed a valid Deferral Election Form.

         (j)      Distribution Election Form means a form which a Participant
                  uses to establish the duration of the deferral of Compensation
                  and the frequency of payments of a Deferred Benefit. If a
                  Participant does not execute a valid Distribution Election
                  Form, the distribution of a Deferred Benefit shall be governed
                  by Plan Section 8.

         (k)      DRI means Dominion Resources, Inc.

         (l)      DRI Committee means the Organization and Compensation
                  Committee or DRI's Board.

         (m)      DRI Stock Fund means an Investment Fund in which the deemed
                  investment is Company Stock.

         (n)      Election Date means the date by which an Executive must submit
                  a valid Deferral Election Form. For each Deferral Year, the
                  Election Date shall be the preceding December 31. However, if
                  an individual becomes an Executive during a Deferral Year, his
                  Election Date shall be a date that is within thirty days after
                  such individual becomes an Executive. Notwithstanding the
                  preceding sentences, the Committee may set an earlier Election
                  Date for any Deferral Year.

         (o)      Executive means an individual who is employed by the Company
                  and who is a "highly-compensated employee" or a member of a
                  "select group of management" as those terms are used under
                  Title I of the Employee Retirement Income Security Act of
                  1974, as amended and who the DRI Committee (in the case of an
                  individual who is employed by DRI or one of its nonutility
                  subsidiaries) or the Virginia Power Committee (in the case of
                  an individual employed by Virginia Power), designates as being
                  eligible to participate in this Plan.

         (p)      Investment Fund means one or more deemed investment
                  alternatives made available for election by Participants for a
                  Deferred Account. The DRI Stock Fund shall be one of the
                  Investment Funds.

         (q)      Participant, with respect to any Deferral Year, means an
                  Executive who has executed a valid Deferral Election Form for
                  that Deferral Year.

         (r)      Plan means the Dominion Resources, Inc. Executives' Deferred
                  Compensation Plan.


                                       2

<PAGE>



         (s)      Stock Unit means a hypothetical share of Company Stock. Each
                  Stock Unit credited to a Deferred Account shall be deemed to
                  have the same value, from time to time, as a share of Company
                  Stock. Notwithstanding the foregoing, Stock Units shall not
                  confer upon Participants any of the rights associated with
                  common stock, including, without limitation, the right to vote
                  or to receive distributions. Stock Units may not be sold,
                  assigned, transferred, disposed of, pledged, hypothecated or
                  otherwise encumbered.

         (t)      Terminate, Terminating, or Termination, with respect to a
                  Participant, mean the cessation of his employment with the
                  Company on account of death, disability, severance or any
                  other reason.

         (u)      Virginia Power means Virginia Electric and Power Company.

         (v)      Virginia Power Committee means the Organization and
                  Compensation Committee of Virginia Power's Board of Directors.

2.       PURPOSE.  The Plan is intended to permit Executives to defer all or a
         portion of their Compensation.

3.       PARTICIPATION. The DRI Committee shall select the DRI Executives who
         are eligible to participate in the Plan. The Virginia Power Committee
         shall select the Virginia Power Executives who are eligible to
         participate in the Plan. An Executive becomes a Participant for any
         deferral Year by filing a valid Deferral Election Form according to
         Plan Section 4 on or before the Election Date for that Deferral Year.

4.       DEFERRAL ELECTION.  A deferral election shall be valid when the
         Deferral Election Form is completed, signed by the electing Executive,
         and received by DRI's Corporate Secretary on or before the Election
         Date for that Deferral Year.  The following provisions apply to
         deferral elections.

         (a)      A Participant may elect a Deferred Benefit for any Deferral
                  Year if he is an Executive at the beginning of that Deferral
                  Year or becomes an Executive during that Deferral Year.

         (b)      Before each Deferral Year's Election Date, each Executive
                  shall be provided with a Deferral Election Form. Using the
                  Deferral Election Form, an Executive may elect on or before
                  the Election Date to defer the receipt of all or part of his
                  Compensation for the Deferral Year. An Executive may not defer
                  more than $1,000,000 of Compensation for any Deferral Year.

         (c)      An Executive must complete an Investment Election Form for all
                  amounts deferred from his Compensation.  The Compensation
                  deferred under a Deferral Election Form

                                       3

<PAGE>



                  shall be allocated among available Investment Funds in 10%
                  multiples or such other multiples as are determined by the DRI
                  Committee and Virginia Power Committee.

         (d)      An Executive must complete a Distribution Election Form for
                  the distribution of the Executive's Deferral Account.

         (e)      If he does so before the last business day of the Deferral
                  Year, DRI's Corporate Secretary may reject any Deferral
                  Election Form or any Distribution Election Form or both that
                  does not conform to the provisions of the Plan.  DRI's
                  Corporate Secretary may modify any Distribution Election Form
                  at any time to the extent necessary to comply with any federal
                  securities laws or regulations.  DRI's Corporate Secretary's
                  rejection or modification must be made on a uniform basis with
                  respect to similarly-situated Executives.  If DRI's Corporate
                  Secretary rejects a Deferral Election Form, the Executive
                  shall be paid the amounts he would have been entitled to
                  receive if the Executive had not submitted the rejected
                  Deferral Election Form.

         (f)      An Executive may not revoke a Deferral Election Form or a
                  Distribution Election Form after the Deferral Year begins. Any
                  revocation before the beginning of the Deferral Year has the
                  same effect as a failure to submit a Deferral Election Form or
                  a Distribution Election Form. Any writing signed by an
                  Executive expressing an intention to revoke his Deferral
                  Election Form and delivered to DRI's corporate Secretary
                  before the close of business on the relevant Election Date
                  shall be a revocation.

5.       EFFECT OF NO ELECTION. An Executive who has not submitted a valid
         Deferral Election Form to DRI's Corporate Secretary on or before the
         relevant Election Date may not defer any part of his Compensation for
         the Deferral Year. The Deferred Benefit of an Executive who submits a
         valid Deferral Election Form but fails to submit a valid Distribution
         Election Form (either as to the form or commencement of payment) before
         the relevant Election Date shall be distributed in a lump sum on the
         February 15 following his Termination.

6.       INVESTMENT FUNDS.

         (a)      Each Participant shall have the right to direct the deemed
                  investment of his Deferral Account among the Investment Funds.
                  The number and type of Investment Funds that will be available
                  for investment in any Plan Year shall be determined by the DRI
                  Committee.

         (b)      Deferred Benefits shall be credited to an Investment Fund as
                  of the last day of the month in which the deferred
                  Compensation would have been paid. A separate bookkeeping
                  account shall be established for each Participant who has
                  directed a deemed investment in an Investment Fund. Deemed
                  transfers between Investment

                                       4

<PAGE>



                  Funds in the Participant's account shall be charged and
                  credited as the case may be to each Investment Fund account.
                  The Investment Fund account shall be charged or credited with
                  net earnings, gains, losses and expenses, as well as any
                  appreciation or depreciation in market value during each Plan
                  Year for the deemed investment in the Investment Fund.

         (c)      Pursuant to procedures established by the DRI Committee
                  uniformly applied, Participants may direct transfer of deemed
                  investments among Investment Funds at least once in each
                  Deferral Year.

7.       DRI STOCK FUND.  The following provisions apply to the DRI Stock Fund.

         The DRI Stock Fund in a Participant's Deferred Account shall be
         credited with Stock Units equal to the number of whole and fractional
         shares of Company Stock that a Participant could have purchased with
         amounts deferred from his Compensation based on the closing price of
         Company Stock on the New York Stock Exchange on the last trading day of
         the month in which the deferred Compensation would have been paid. The
         value of the DRI Stock Fund on any date shall be the value of the Stock
         Units (whole and fractional shares) deemed credited to the account
         based on the immediately preceding closing price of Company Stock on
         the New York Stock Exchange.

         (a)      The Stock Units credited to each Participant's DRI Stock Fund
                  account shall be credited with hypothetical cash dividends
                  equal to the cash dividends that are declared and paid with
                  respect to Company Stock.  The Company shall determine as of
                  each record date the amount of cash dividends to be paid with
                  respect to a share of Company Stock, and on the payment date
                  of such dividend shall credit an equal amount of hypothetical
                  cash dividends to each Stock Unit credited to a DRI Stock Fund
                  account.  The total hypothetical cash dividends credited to
                  all Stock Units shall then be converted into Stock Units by
                  dividing such hypothetical cash dividends by the average of
                  the high and low trading prices of a share of Company Stock,
                  as reported in The Wall Street Journal for the last trading
                  day before the day the Company pays dividends with respect to
                  Company Stock.

         (b)      The Stock Units credited to a DRI Stock Fund account shall be
                  credited to reflect any distribution with respect to Company
                  Stock other than cash dividends or stock dividends.  The
                  Company shall determine as of each record date the amount of
                  the distribution to be paid with respect to a share of Company
                  Stock, and on the payment date of such distribution shall
                  credit an equal amount of hypothetical distribution to each
                  Stock Unit. The total hypothetical distribution credited to
                  all Stock Units shall then be converted into a hypothetical
                  cash amount based on the market value of such distribution as
                  determined by the DRI Committee.  The hypothetical cash amount
                  shall then be converted into Stock Units by dividing such
                  hypothetical cash amount by the closing trading price of a
                  share of Company Stock,

                                       5

<PAGE>



                  as reported in The Wall Street Journal for the last trading
                  day before the day the Company makes the distribution with
                  respect to Company Stock.

8.       DISTRIBUTIONS.

         (a)      All Deferred Benefits, less withholding for applicable income
                  and employment taxes, shall be paid in cash on the date
                  specified in the Participant's Distribution Election Form (but
                  subject to Plan Section 4(f)). Except in the event of
                  Termination, a Participant may only receive a distribution on
                  a date which is at least six months after the date on which
                  his most recent Deferral Election Form is valid.

         (b)      Except for distributions triggered by a Participant's
                  disability, Deferred Benefits shall be paid in a lump sum
                  unless the Participant's Distribution Election Form specifies
                  annual installment payments over a period of up to ten years.
                  Installment payments will be made in approximately equal
                  amounts during each year of the installment period. For a
                  Deferred Benefit payable in installments, the unpaid balance
                  of a Deferred Account shall continue to be maintained in
                  Investment Funds.

                  If a Participant Terminates as a result of his disability,
                  begins to receive Deferred Benefits and thereafter recovers
                  before the balance of his Deferred Account is exhausted,
                  distributions shall cease and any remaining Deferred Benefits
                  under the Plan shall be governed by this Plan Section 8 and
                  his Distribution Election Form.

                  Unless otherwise specified in a Participant's Distribution
                  Election Form, any lump sum payment shall be paid or
                  installment payments shall begin on February 15 of the year
                  after the Participant's Termination. For distributions that
                  would automatically begin because of a Participant's
                  Termination (other than by death), the Participant may elect
                  on his Distribution Election Form to begin payments (i) on the
                  February 15 following his Termination, without regard to his
                  age; or (ii) on the February 15 following his Termination and
                  his attainment of a specified age; (iii) even if the
                  Participant does not Terminate, on the February 15 following a
                  specified age. However, except in the event of payments on
                  account of Termination, no Participant may elect to receive
                  payments beginning sooner than six months after the date on
                  which his most recent Deferral Election Form is valid.

         (c)      Notwithstanding any other provision of this Plan or a
                  Participant's Distribution Election Form, the DRI Committee
                  (in the case of an individual employed by DRI or one of its
                  nonutility subsidiaries) or the Virginia Power Committee (in
                  the case of an individual employed by Virginia Power) in its
                  sole discretion may postpone the distribution of all or part
                  of a Deferred Benefit to the extent that the payment would not
                  be deductible under Section 162(m) of the Internal Revenue
                  Code of 1986, as amended (the Code) or any successor thereto.
                  A Deferred Benefit distribution that

                                       6

<PAGE>



                  is postponed pursuant to the preceding sentence shall be paid
                  as soon as it is possible to do so within the deduction
                  limitations of Section 162(m) of the Code.

         (d)      A Participant or Beneficiary may not assign Deferred Benefits.
                  A Participant may use only one Beneficiary Designation Form to
                  designate one or more Beneficiaries for all of his Deferred
                  Benefits under the Plan.  Such designations are revocable.
                  Each Beneficiary shall receive his portion of the
                  Participant's Deferred Account and Deferred Stock Account on
                  February 15 of the year following the Participant's death.
                  However, the DRI Committee (in the case of an individual who
                  is employed by DRI or one of its nonutility subsidiaries) or
                  the Virginia Power Committee (in the case of an individual
                  employed by Virginia Power), at its discretion, may approve a
                  Beneficiary's request for accelerated payment under Plan
                  Section 9.  The DRI Committee (in the case of an individual
                  who is employed by DRI or one of its nonutility subsidiaries)
                  or the Virginia Power Committee (in the case of an individual
                  employed by Virginia Power) may insist that multiple
                  Beneficiaries agree upon a single distribution method.

9.       HARDSHIP DISTRIBUTIONS.

         (a)      At its sole discretion and at the request of a Participant
                  before or after his Termination, or at the request of any of
                  the Participant's Beneficiaries after the Participant's death,
                  the DRI Committee (in the case of an individual who is
                  employed by DRI or one of its nonutility subsidiaries) or the
                  Virginia Power Committee (in the case of an individual
                  employed by Virginia Power) may accelerate and pay all or part
                  of any amount attributable to a Participant's Deferred
                  Benefits.  The DRI Committee (in the case of an individual who
                  is employed by DRI or one of its nonutility subsidiaries) or
                  the Virginia Power Committee (in the case of an individual who
                  is employed by Virginia Power) may accelerate distributions
                  only in the event of a financial emergency beyond the
                  Participant's or Beneficiary's control and only if
                  disallowance of a distribution request would create a severe
                  hardship for the Participant or Beneficiary.  An accelerated
                  distribution under this Plan Section 9 shall be limited to the
                  amount necessary to satisfy the financial emergency.

         (b)      For purposes of an accelerated distribution of a Deferred
                  Benefit, the Investment Funds in the Participant's Deferred
                  Account value shall be determined by the value of the
                  Investment Funds on the last day of the month prior to the
                  month of distribution.

         (c)      Distributions under this Section shall be made in cash, shall
                  made proportionately from all of the Investment Funds in the
                  Participant's Deferred Account first, and shall be limited to
                  amounts attributable to Compensation deferred under a Deferral
                  Election Form that was effective at least six months before
                  the distribution.


                                       7

<PAGE>



         (d)      A distribution under this section shall be in lieu of that
                  portion of a Participant's Deferred Benefit that would have
                  been paid otherwise. A Deferred Benefit shall be adjusted by
                  reducing the Participant's Deferred Account balance by the
                  amount of the distribution.

10.      COMPANY'S OBLIGATION. The Plan shall be unfunded. The Company shall not
         be required to segregate any assets that at any time may represent a
         Deferred Benefit. Any liability of the Company to a Participant or
         Beneficiary under this Plan shall be based solely on any contractual
         obligations that may be created pursuant to this Plan. No such
         obligation of the Company shall be deemed to be secured by any pledge
         of, or other encumbrance on, any property of the Company.

11.      CONTROL BY PARTICIPANT.  A Participant shall have no control over
         Deferred Benefits except according to his Deferral Election Forms, his
         Distribution Election Forms and his Beneficiary Designation Form.

12.      CLAIMS AGAINST PARTICIPANT'S DEFERRED BENEFITS.  A Deferred Account
         shall not be subject in any manner to anticipation, alienation, sale,
         transfer, assignment, pledge, encumbrance, or charge, and any attempt
         to do so shall be void. A Deferred Benefit shall not be subject to
         attachment or legal process for a Participant's debts or other
         obligations. Nothing contained in this Plan shall give any Participant
         any interest, lien, or claim against any specific asset of the Company.
         A Participant or his Beneficiary shall have no rights other than as a
         general creditor of the Company.

13.      AMENDMENT OR TERMINATION.  Except as otherwise provided, this Plan may
         be altered, amended, suspended, or terminated at any time as to DRI
         Participants by DRI's Board of Directors.  DRI's Board of Directors may
         not alter, amend, suspend, or terminate this Plan as to any DRI
         Participant without the consent of that Participant if such action
         would result either in (i) a distribution of the Participant's Deferred
         Benefit in any manner not provided in the Plan or (ii) immediate
         taxation of a Deferred Benefit to a Participant. Notwithstanding the
         preceding sentence, if any amendment to the Plan after the Plan's
         effective date adversely affects a Deferred Benefit of a DRI
         Participant and the Internal Revenue Service declines to rule favorably
         on the amendment, DRI's Board of Directors, in its sole discretion, may
         accelerate the distribution of any amounts attributable to an affected
         Deferred Benefit.  Except as otherwise provided, this Plan may be
         altered, amended, suspended, or terminated at any time as to Virginia
         Power Participants by Virginia Power's Board of Directors. Virginia
         Power's Board of Directors may not alter, amend, suspend, or terminate
         this Plan as to any Virginia Power Participant without the consent of
         that Participant if such action would result either in (i) a
         distribution of the Participant's Deferred Benefit in any manner not
         provided in the Plan or (ii) immediate taxation of a Deferred Benefit
         to a Participant.  Notwithstanding the preceding sentence, if any
         amendment to the Plan after the Plan's effective date adversely affects
         a Deferred Benefit of a Virginia Power Participant and the Internal
         Revenue Service declines to rule favorably on the amendment,

                                       8

<PAGE>


         Virginia Power's Board of Directors, in its sole discretion, may
         accelerate the distribution of any amounts attributable to an affected
         Deferred Benefit.

14.      NOTICES.  All notices or election required under the Plan must be in
         writing.  A notice or election shall be deemed delivered if it is
         delivered personally or sent registered or certified mail to the person
         at his last known business address.

15.      WAIVER.  The waiver of a breach of any provision in this Plan does not
         operate as and may not be construed as a waiver of any later breach.

16.      CONSTRUCTION. This Plan shall be adopted and maintained according to
         the laws of the Commonwealth of Virginia (except its choice-of-law
         rules). Headings and captions are only for convenience; they do not
         have substantive meaning. If a provision of this Plan is not valid or
         enforceable, the validity or enforceability of any other provision
         shall not be affected. Use of one gender includes all, and the singular
         and plural include each other.


         IN WITNESS WHEREOF, this instrument has been executed this ____ day of
_____________, 1996.



                    DOMINION RESOURCES, INC.



                    By_______________________________________
                             Linwood R. Robertson
                             Senior Vice President and Chief Financial Officer



                    VIRGINIA ELECTRIC AND POWER COMPANY



                    By_______________________________________
                             T. J. O'Neil
                             Vice President, Human Resources


                                       9

<PAGE>







</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10
<SEQUENCE>4
<DESCRIPTION>EX-10(XXXI)
<TEXT>



                                                                Exhibit 10(xxxi)

                              EMPLOYMENT AGREEMENT

         This EMPLOYMENT AGREEMENT (the "Agreement") is made as of February 1,
1997, between DOMINION RESOURCES, INC. (the "Company") and Norman Askew.

                                    RECITALS:

         The Board of Directors of Dominion Resources, Inc. (the "Board of
Directors") recognizes that outstanding management of the company is essential
to advancing the best interest of the Company, its shareholders and its
subsidiaries. The Board of Directors believes that it is particularly important
to have stable, excellent management at the present time. The Board of Directors
believes that this objective may be achieved by giving key management employees
assurances of financial security for a period of time, so that they will not be
distracted by personal risks and will continue to devote their full time and
best efforts to the performance of their duties.

         The Organization and Compensation Committee of the Board of Directors
(the "Committee") has recommended, and the Board of Directors has approved,
entering into employment agreements with the Company's key management executives
in order to achieve the foregoing objectives. The Executive is a key management
executive of the Company, and is a valuable member of the Company's management
team. The Company acknowledges that the Executive's contributions to the growth
and success of the Company will be substantial. The Company and the Executive
are entering into this Agreement to induce the Executive to become an employee
of the Company and to devote his full energy to the Company's affairs. The
Executive has agreed to be employed by the Company under the terms and
conditions hereinafter set forth.

         NOW, THEREFORE, in consideration of the foregoing and the mutual
undertakings contained in this Agreement, the parties agree as follows:

         1.   Employment. The Company will employ the Executive, and the
              Executive will continue in the employment of the Company as an
              executive of the Company, for the period beginning March 1, 1997
              and ending November 1, 2002 (the "Term of this Agreement"),
              according to the terms of this Agreement.

         2.   Duties. The Company and the Executive agree that, during the Term
              of this Agreement, the Executive will serve in a senior management
              position with the Company. The Executive (i) will devote his
              knowledge, skill and best efforts on a full-time basis to
              performing his duties and obligations to the Company (with the
              exceptions of absences on the account of illness or vacation in
              accordance with the Company's policies and civic and charitable
              commitments not involving a conflict with the Company's business),
              and (ii) will comply with the lawful and nonarbitrary directions
              and orders of the Board of Directors and Chief Executive Officer
              of the Company with respect to the performance of his duties.

         3.   Effect on Other Agreements.

              (a)     The Board of Directors recognizes that the Executive has
                      entered or will enter into an Employment Continuity
                      Agreement with the Company, which provides benefits under
                      certain circumstances in the event of a change in control
                      of the Company. Notwithstanding anything in this Agreement
                      to the contrary, if the Executive's employment terminates
                      for any reason after a change in control and payments are
                      to be made to the Executive under the Executive's
                      Employment Continuity Agreement: (i) the Executive will
                      not receive payments under this Agreement as a result of
                      his termination of employment for any reason, (ii) after
                      payment of any amounts otherwise due the Executive under
                      this Agreement, this Agreement will terminate without
                      liability on the part of the Company, and (iii) if and to
                      the extent that any payments made under this Agreement are
                      considered "parachute payments" for purposes of Section
                      280G of the U.S. Internal Revenue Code of 1986, as amended
                      (the "Code"), the payments will be taken into account in
                      determining the amount to be paid to the Executive under
                      the Employment Continuity Agreement according to the Terms
                      of the Employment Continuity Agreement. If a change of
                      control occurs, and the Executive is not entitled to
                      receive payments under the Executive's Employment
                      Continuity Agreement, this Agreement will continue in
                      effect according to its terms.

              (b)     Except as provided above, this Agreement sets forth the
                      entire understanding of the parties with respect to the
                      Executive's employment with the Company. The Executive and
                      the Company agree that, effective as of the execution of
                      this Agreement, any prior employment agreements between
                      the Executive and East Midlands Electricity plc ("EME")
                      (other than the Executive's Employment Continuity
                      Agreement) are null and void. The term "employment
                      agreement" as used in the preceding sentence does not
                      include any retirement, incentive or benefit plan or
                      program in which the Executive participates.

         4.   Affiliates. Employment by an Affiliate of the Company or a
              successor to the Company will be considered employment by the
              Company for purposes of this Agreement, and termination of
              employment with the Company means termination of employment with
              the Company and all its Affiliates and successors. The term
              "Company" as used in this Agreement will be deemed to included
              Affiliates and successors. For purposes of this Agreement, the
              term "Affiliate" means the subsidiaries of Dominion Resources,
              Inc. and other entities under common control with Dominion
              Resources, Inc.

         5.   Compensation and Benefits.

              (a)     During the Term of this Agreement, while the Executive is
                      employed by the Company, the Company will pay to the
                      Executive the following salary and incentive awards for
                      services rendered to the Company:

                      (i)      The Company will pay to the Executive an annual
                               salary in an amount not less than the base salary
                               paid by EME in effect for the Executive as of the
                               date on which this Agreement is executed. The
                               Board of Directors will evaluate the Executive's
                               performance at least annually and will consider
                               annual increases in the Executive's salary based
                               on the Executive's performance.

                      (ii)     The Executive will be entitled to receive
                               incentive awards if and to the extent that the
                               Board of Directors determines that the
                               Executive's performance merits payment of an
                               award. The Board of Directors will make its
                               determination consistent with the methodology
                               used by the Company for compensating its senior
                               management employees.

              (b)     During the Term of this Agreement, while the Executive is
                      employed by the Company, the Executive will be eligible to
                      participate in a similar manner as other senior executives
                      in the Company's Benefit Restoration Plan, Executive
                      Supplemental Retirement Plan ("ESRP"), cash and stock
                      incentive plans, and such other fringe benefit and
                      employee benefit plans and programs that the Company makes
                      available to the Executive from time to time.

              (c)     If the Executive attains age 60 while employed by the
                      Company, the Executive's retirement benefits under the
                      Company's Benefit Restoration Plan will be computed based
                      on the greater of (A) the Executive's years of credited
                      service (determined as if the Executive was a participant
                      in the Company's Retirement Plan and pursuant to the terms
                      of the Retirement Plan), or (B) thirty (30) years of
                      credited service, and will be reduced by the amount of
                      benefits payable to the Executive under the EME Pension
                      Plan and Amending Deed for the Pension and Death Benefits
                      Arrangement for N B M Askew. Any benefit to be provided
                      under this subsection (c) will be provided as a
                      supplemental benefit under this Agreement and will not be
                      provided from the Retirement Plan. The provisions of this
                      subsection (c) shall survive the termination of this
                      Agreement.

              (d)     The Executive will be entitled to a fully vested benefit
                      under the ESRP if the Executive attains age 58 while
                      employed by the Company. The Executive's benefit under the
                      ESRP will be funded in the Dominion Resources, Inc.
                      Executive Retirement Plan Trust in equal installments so
                      that at age 60 the Executive's benefit under the Plan is
                      100% funded. The provisions of this subsection (d) shall
                      survive the termination of this Agreement.

              (e)     A proforma payout schedule is attached as Appendix A
                      which is based on certain assumptions that may or may not
                      be applicable. This Appendix is attached for interpretive
                      purposes only and is not a binding payout schedule.

         6.   Termination of Employment.

              (a)     If the Company terminates the Executive's employment,
                      other than for Cause (as defined in Section 8 below),
                      during the Term of this Agreement, the Company will pay
                      the Executive a lump sum payment equal to the present
                      value of the Executive's annual base salary for the
                      balance of the Term of this Agreement. The lump sum
                      payment will be computed as follows:

                      (i)      For purposes of this calculation, the
                               Executive's annual base salary for the balance of
                               the Term of the Agreement will be calculated at
                               the highest annual base salary rate in effect for
                               the Executive during the three-year period
                               preceding his termination of employment. Salary
                               that the Executive elected to defer will be taken
                               into account for purposes of this Agreement
                               without regard to the deferral.

                      (ii)     The salary for any partial year in the Term of
                               this Agreement will be a pro-rated portion of the
                               annual amount.

                      (iii)    Present value will be computed by the Company as
                               of the date of the Executive's termination of
                               employment, based on a discount rate equal to the
                               applicable, U.S. Federal short-term rate, as
                               determined under Section 1274 (d) of the Code,
                               compounded monthly, in effect on the date as of
                               which the present value is determined.

                      (iv)     The lump sum payment will be paid within 30 days
                               after the Executive's termination of employment.

              (b)     If the Company terminates the Executive's employment,
                      other than for Cause, during the Term of this Agreement,
                      the Executive will be entitled to receive the following
                      additional benefits determined as of the date of his
                      termination of employment:

                      (i)      Any outstanding restricted stock or stock
                               options that would become vested (that is,
                               transferable and nonforfeitable, or excercisable)
                               if the Executive remained an employee through the
                               Term of this Agreement will become vested as of
                               the date of the Executive's termination of
                               employment (or as of the date described in the
                               next sentence, if applicable). In addition, if
                               the Company has agreed to award the Executive
                               performance shares or restricted stock at the end
                               of a performance period, subject to the Company's
                               achievement of performance goals, and the date as
                               of which the performance shares are to be
                               awarded, or the restricted stock is to become
                               vested, falls within the Term of this Agreement,
                               the stock will be awarded and become vested at
                               the end of the performance period if and to the
                               extent that performance goals are met. The
                               Executive must satisfy the tax withholding
                               requirements described in Section 10 with respect
                               to the performance shares and restricted stock.

                      (ii)     The Executive will be credited with age and
                               service credit through the end of the Term of
                               this Agreement for purposes of computing benefits
                               under any Company pension, medical and other
                               benefit plan, including ESRP, in which the
                               Executive was participating as of the date of his
                               termination of employment. Service credited to
                               the Executive for purposes of this subsection
                               (ii) shall be in addition to any service credited
                               to the Executive pursuant to Section 5 (c). The
                               Company will pay the Executive a lump sum cash
                               amount that reasonably approximates the after-tax
                               value to the Executive of such age and service
                               credit and continued coverage through the end of
                               the Term of this Agreement, in lieu of continuing
                               coverage under the Company's benefit plans.

              (c)     If the Executive voluntarily terminates employment with
                      the Company during the Term of this Agreement under
                      circumstances described in this subsection (c) , the
                      Executive will be entitled to receive the benefits
                      described in subsections (a) and (b) above as if the
                      Company had terminated the Executive's employment other
                      than for Cause. Subject to the provisions of this
                      subsection (c) , these benefits will only be provided if
                      the Executive voluntarily terminates employment after (i)
                      the Company reduces the Executive's base salary, (ii) the
                      Executive is not in good faith considered for incentive
                      awards as described in Section 5 (a) (ii), (iii) the
                      Company fails to provide benefits as required by Section 5
                      (b) and 5 (c), (iv) the Company relocates the Executive's
                      place of employment to a location further than 50 miles
                      from Nottingham, U.K. (other than in connection with a
                      temporary assignment to the United States of no more than
                      3 months), or (v) the Company demotes the Executive to a
                      position that is not a senior management position (other
                      than on account of the Executive's disability, as defined
                      in Section 7 below). For this purpose, a "senior
                      management position" means the position of Chief Executive
                      Officer or Chief Operating Officer of Dominion Resources,
                      Inc. ("DRI"), the position of President or Chief Executive
                      Officer of a subsidiary of DRI, or a position that reports
                      directly to the Chief Executive Officer, Chief Operating
                      Officer, or Senior Vice President of DRI. In order for
                      this subsection (c) to be effective: (1) the Executive
                      must give written notice to the Company indicating that
                      the Executive intends to terminate employment under this
                      subsection (c), (2) the Executive's voluntary termination
                      under this subsection must occur within 60 days after the
                      Executive knows or reasonably should know of an event
                      described in clause (i), (ii), (iii), (iv) or (v) above,
                      or within 60 days after the last in a series of such
                      events, and (3) the Company must have failed to remedy the
                      event described in clause (i), (ii), (iii), (iv) or (v),
                      as the case may be, within 30 days after receiving the
                      Executive's written notice. If the Company remedies the
                      event described in clause (i), (ii), (iii), (iv) or (v),
                      as the case may be, within 30 days after receiving the
                      Executive's written notice, the Executive may not
                      terminate employment under this subsection (c) on account
                      of the event specified in the Executive's notice.

              (d)     The amounts under this Agreement will be paid in lieu of
                      severance benefits under any severance plan or program
                      maintained by the Company in which the Executive
                      participates (subject to Section 3 above). The amounts
                      payable under this Agreement will not be reduced by any
                      amounts earned by the Executive from a subsequent employer
                      or otherwise. If the Executive's employment is terminated
                      by the Company for Cause this Agreement will immediately
                      terminate without liability on the part of the Company.

              (e)     If the Executive (i) voluntarily terminates employment for
                      a reason not described in subsection (c) above or Section
                      7 below, and (ii) gives the Company no less than 6 months
                      prior notice of termination in accordance with the
                      provisions of Section 15 below, the Company will pay to
                      the Executive an amount equal to the additional benefits
                      the Executive would have accrued under the EME Pension
                      Plan and the Amending Deed for the Pension and Death
                      Benefits Arrangement for N B M Askew, had he remained a
                      participant in such plans through the Term of the
                      Agreement. The amount paid under this subsection (e) will
                      be paid as a supplemental benefit under this Agreement and
                      will not be provided from the EME Pension Plan or the
                      Amending Deed for the Pension and Death Benefits
                      Arrangement for N B M Askew. This amount will be paid in
                      lieu of any other benefits payable under this Agreement,
                      which will immediately terminate without liability on the
                      part of the Company.

         7.   Disability or Death. If the Executive becomes disabled (as defined
              below) during the Term of this Agreement while he is employed by
              the Company, the Executive shall be entitled to receive the
              benefits described in Section 6 (b) (i) of this Agreement as of
              the date on which he is determined by the Company to be disabled.
              If the Executive dies during the Term of this Agreement while he
              is employed by the Company, the benefits described in Section 6
              (b) (i) will be provided to the personal representative of the
              Executive's estate. The foregoing benefits will be provided in
              addition to any death, disability and other benefits provided
              under Company benefit plans in which the Executive participates.
              Upon the Executive's death or disability, the provisions of
              Sections 1, 2, 5, and 6 of this Agreement will terminate. The term
              "disability" means a condition, resulting from bodily injury or
              disease, that renders, and for a six consecutive month period has
              rendered, the Executive unable to perform substantially the duties
              pertaining to his employment with the Company. A return to work of
              less than 14 consecutive days will not be considered an
              interruption in the Executive's six consecutive months of
              disability. Disability will be determined by the Company on the
              basis of medical evidence satisfactory to the Company.

         8.   Cause. For purposes of this Agreement, the term "Cause" means (i)
              fraud or material misappropriation with respect to the business or
              assets of the Company, (ii) persistent refusal or wilful failure
              of the Executive to perform substantially his duties or
              responsibilities to the Company, including any failure to comply
              with the directions or orders of the Board of Directors or the
              Chief Executive Officer of the Company with respect to the
              performance of his duties or responsibilities, (iii) conduct that
              constitutes disloyalty to the Company, and that materially harms,
              or has the potential to cause material harm to the Company, (iv)
              conviction of a felony or crime involving moral turpitude, or (v)
              the use of drugs or alcohol that interferes materially with the
              Executive's performance of his duties.

         9.   Post Termination.

              (a)     The Executive undertakes to the Company that the Executive
                      shall not during the period of 12 months from Executive's
                      date of termination of employment be directly or
                      indirectly interested or concerned (whether as
                      shareholder, director, employee, partner, consultant,
                      proprietor, agent or in any other capacity) in any
                      business firm or company which

                      (i)      holds a public electricity supply license for the
                               supply of electricity anywhere within the United
                               Kingdom; or

                      (ii)     carries on anywhere within the United Kingdom any
                               other business competing with any business
                               carried on by the Company at the date of the
                               Executive's termination of employment in which
                               the Executive has been engaged or interested
                               during the 12 months prior to the date of his
                               termination of employment ("other relevant
                               business")

                      but nothing in this Section 9 shall prevent the Executive
                      holding or being interested in listed securities not
                      representing more than 5% in nominal amount of the issued
                      securities of any class of any company which are listed on
                      any recognized stock exchange anywhere in the world.

              (b)     The Executive undertakes to the Company that the Executive
                      shall not during the period of 12 months from the date of
                      the Executive's termination of employment whether as
                      principal agent or employee and whether directly or
                      indirectly supply to any person, firm or company whom the
                      Executive dealt with as a customer or potential customer
                      of the Company in the last 12 months of the Executive's
                      employment either electricity or any goods or services
                      which are the same or substantially the same as the type
                      of goods or services provided by any other relevant
                      business of the Company at the date of termination of the
                      Executive's employment whether or not the Executive has
                      approached the customer or vice versa.

              (c)     The Executive undertakes to the Company that the Executive
                      shall not during the period of 12 months from the date of
                      the Executive's termination of employment whether as
                      principal agent or employee and whether directly or
                      indirectly approach any person firm or company whom the
                      Executive dealt with as a customer or potential customer
                      of the Company in the last 12 months of the Executive's
                      employment with the Company with an offer to supply them
                      with electricity or any goods or services which are the
                      same or substantially the same as the type of goods or
                      services provided by any other relevant business of the
                      Company at the date of termination of the Executive's
                      employment with the Company.

              (d)     The Executive undertakes to the Company that the Executive
                      shall not during the period of 12 months from the date of
                      termination of employment whether as principal agent or
                      employer and whether directly or indirectly recruit or try
                      to recruit any person as an employee or consultant or in
                      some other capacity if that person was at any time during
                      the last 12 months of the Executive's employment employed
                      by the Company as a director or senior employee and the
                      Executive had regular contact with such person through
                      that person's work for the Company.

              (e)     The Executive undertakes to the Company that the Executive
                      shall also perform and observe the undertakings set out in
                      Section 9 (a) to 9 (d) in relation to any Affiliates whose
                      business or affairs the Executive has been engaged or
                      interested in at any time during the last 12 months of the
                      Executive's employment with the Company as if a reference
                      to each such Affiliate was substituted for a reference to
                      the Company in each case. This undertaking shall be
                      construed and enforceable as a separate convenant in
                      relation to each Affiliate and the Company shall be deemed
                      to have the benefit of this covenant as trustee for any
                      Affiliates.

              (f)     It is agreed that each of the covenants contained on the
                      part of the Executive in each of Section 9(a) to 9(c)
                      inclusive is and shall be construed and enforceable as a
                      separate covenant.

              (g)     In this Section 9 references to acting directly or
                      indirectly include (without prejudice to the generality of
                      that expression) references to acting alone or jointly
                      with or through any other person.

              (h)     The Executive undertakes and covenants with the Company
                      that he shall not at any time after the Executive's
                      termination of employment hold himself out or permit
                      himself to be held out as being in any way interested in
                      or connected with the Company or any Affiliate and shall
                      use his best endeavors to prevent himself being so held
                      out, save that if and for so long as he remains a director
                      or an employee of an Affiliate he may hold himself out or
                      be held out as being so connected with that Company.

         10.  Indemnification. The Company will pay all reasonable fees and
              expenses, if any, (including, without limitation, legal fees and
              expenses) that are incurred by the Executive to enforce this
              Agreement and that result from a breach of this Agreement by the
              Company.

              In Executive's capacity as a member of the Board of Directors of
              East Midlands Electricity, plc, Executive is entitled to
              indemnification provided by the Articles of Incorporation of
              Dominion Resources, Inc.

         11.  Payment of Compensation and Taxes. All amounts payable under this
              Agreement (other than stock, which will be paid according to the
              terms of the Company's Incentive Compensation Plan) will be paid
              in cash, subject to income and payroll tax withholdings. No shares
              of stock will be issued to the Executive until the Executive has
              paid to the Company the amount that must be withheld for
              applicable income and employment taxes or the Executive has made
              provisions satisfactory to the Company for the payment of such
              taxes.

         12.  Administration. The Committee will be responsible for the
              administration and interpretation of this Agreement on behalf of
              the Company. If for any reason a benefit under this Agreement is
              not paid when due, the Executive may file a written claim with the
              Committee. If the claim is denied or no response is received,
              within 90 days after the filing (in which case the claim is deemed
              to be denied), the Executive may appeal the denial to the Board of
              Directors within 60 days of the denial. The Executive may request
              that the Board of Directors review the denial, the Executive may
              review pertinent documents, and the Executive may submit issues
              and comments in writing. A decision on appeal will be made within
              60 days after the appeal is made, unless special circumstances
              require that the Board of Directors extend the period for another
              60 days. If the Company defaults in an obligation under this
              Agreement, the Executive makes a written claim pursuant to the
              claims procedure described above, and the Company fails to remedy
              the default within the claims procedure period, then all amounts
              payable to the Executive under this Agreement will become
              immediately due and owing.

         13.  Assignment. The rights and obligations of the Company under this
              Agreement will inure to the benefit of and will be binding upon
              the successors and assigns of the Company. If the Company is
              consolidated or merged with or into another corporation, or if
              another entity purchases all or substantially all of the Company's
              assets, the surviving or acquiring corporation will succeed to the
              Company's rights and obligations under this Agreement. The
              Executive's rights under this Agreement may not be assigned or
              transferred in whole or in part, except that the personal
              representative of the Executive's estate will receive any amounts
              payable under this Agreement after the death of the Executive.

         14.  Rights Under the Agreement. The right to receive benefits under
              the Agreement will not give the Executive any proprietary interest
              in the Company or any of its assets. Benefits under the Agreement
              will be payable from the general assets of the Company, and there
              will be no required funding of amounts that may become payable
              under the Agreement [except to the extent required pursuant to
              Section 5 (d)]. The Executive will for all purposes be a general
              creditor of the Company. The interest of the Executive under the
              Agreement cannot be assigned, anticipated, sold, encumbered or
              pledged and will not be subject to the claims of the Executive's
              creditors.

         15.  Notice. For purposes of this Agreement, notices and all other
              communications must be in writing and are effective when delivered
              or mailed by United States registered mail, return receipt
              requested, postage prepaid, addresses to the Executive or his
              personal representative at his last known address. All notices to
              the Company must be directed to the attention of the Chairman of
              the Committee. Such other addresses may be used as either party
              may have furnished to the other in writing. Notices of change of
              address are effective only upon receipt.

         16.  Miscellaneous. This instrument contains the entire agreement of
              the parties. To the extent not governed by U.S. federal law, the
              parties contemplate and agree that this Agreement will be
              construed in accordance with the laws of the Commonwealth of
              Virginia, U.S.A., without reference to its conflict of laws rules.
              Any action to enforce the terms of this Agreement shall be brought
              in any court of competent jurisdiction in the Commonwealth of
              Virginia, and each party hereby irrevocably consents to the
              jurisdiction of such courts over its person and hereby waives any
              defense based upon improper venue, inconvenient forum or lack of
              jurisdiction. No provisions of this Agreement may be modified ,
              waived or discharged unless such a waiver, modification or
              discharge is agreed to in writing and the writing is signed by the
              Executive and the Company. A waiver of any breach of our
              compliance with any provision or condition of this Agreement is
              not a waiver of similar or dissimilar provisions or conditions.
              The invalidity or enforceability of any provision of this
              Agreement will not affect the validity or enforceability of any
              other provision of this Agreement, which will remain in full force
              and effect. This Agreement may be executed in one more
              counterparts, all of which will be considered one and the same
              agreement.



WITNESS the following signatures.

                                   DOMINION RESOURCES, INC.

                                   By: /s/ THOS. E. CAPPS
                                       ________________________________

                                           Thos. E. Capps
                                           Chief Executive Officer

Dated:  2/21/97
      _______________
                                      /s/ NORMAN ASKEW
                                   --------------------------------
                                   Norman Brian Montague Askew

2-18-97


                                                                     Appendix A

                               Norman B.M. Askew
                     Retirement Benefits at Specified Ages
                      Under Terms of Employment Agreement

<TABLE>
<CAPTION>


                                Additional
                             Years of Service     Years of Credited Service    Percent
                                Under EME         -------------------------    Vested         Estimated
  Date of        Age at         Pension &         DRI Qualified      DRI      Under DRI        Monthly
Termination    Termination    Amending Deed       Pension Plan       BRP(1)    ESRP(2)        Payout(3)
- -----------    -----------   ----------------     -------------      ------   ---------       ---------
<S>  <C>
  11-1-97         55               1                   0              0            0       (Pounds)  3,700
  11-1-98         56               2                   0              0            0       (Pounds)  4,400
  11-1-99         57               3                   0              0            0       (Pounds)  5,200
  11-1-00         58               4                   0              0          100%      (Pounds) 14,000
  11-1-01         59               5                   0              0          100%      (Pounds) 15,200
  11-1-02         60               6                   5             30          100%      (Pounds) 21,300

</TABLE>

Notes
   1. Benefit Restoration Plan
   2. Executive Supplemental Retirement plan
   3. Estimated payout based on the following assumptions:

        (bullet) DOB: October 4, 1942 (age 54)
        (bullet) Retires November 1, 2002 (age 60)
        (bullet) 1997 Base Pay = (Pounds)230,000
        (bullet) Exchange rate: $1.60 = (Pounds)1.00
        (bullet) Target bonus = 45% x base pay
        (bullet) 5% salary increases each year
        (bullet) 1997 EME Pension = (Pounds)44,000/year; + (Pounds)9,374
                 for each additional year



</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10
<SEQUENCE>5
<DESCRIPTION>EX-10(XXXII)
<TEXT>


                                                               EXHIBIT 10(xxxii)

THIS DOCUMENT IS IMPORTANT AND REQUIRES YOUR IMMEDIATE ATTENTION. If you are in
any doubt as to the action you should take, you are recommended immediately to
seek your own financial advice from your stockbroker, bank manager, solicitor,
accountant or other independent financial adviser authorised under the Financial
Services Act 1986.

SBC Warburg, a division of Swiss Bank Corporation, which is regulated in the UK
by The Securities and Futures Authority Limited, is acting for Dominion
Resources and DR Investments and no one else in connection with the Offer and
will not be responsible to anyone other than Dominion Resources and DR
Investments for providing the protections afforded to customers of SBC Warburg
nor for giving advice in relation to the Offer.

Wasserstein Perella, which is regulated in the UK by The Securities and Futures
Authority Limited, is acting for Dominion Resources and DR Investments and no
one else in connection with the Offer and will not be responsible to anyone
other than Dominion Resources and DR Investments for providing the protections
afforded to customers of Wasserstein Perella nor for giving advice in relation
to the Offer.

Schroders, which is regulated in the UK by The Securities and Futures Authority
Limited, is acting for East Midlands Electricity and no one else in connection
with the Offer and will not be responsible to anyone other than East Midlands
Electricity for providing the protections afforded to customers of Schroders nor
for giving advice in relation to the Offer.

If you have sold or otherwise transferred all your East Midlands Electricity
Shares, please send this document and the reply paid envelope (but not the
accompanying Form of Acceptance because it is personalised) as soon as possible
to the purchaser or transferee or to the stockbroker, bank or other agent
through whom the sale or transfer was effected for transmission to the purchaser
or transferee. However, these documents should not be forwarded or transmitted
in or into the United States, Canada, Australia or Japan.

This document should be read in conjunction with the accompanying Form of
Acceptance.

                           Recommended Cash Offer by



      SBC Warburg                      and                 Wasserstein Perella
A division of Swiss Bank Corporation                          & Co. Limited
                                  on behalf of

                            DR Investments (UK) PLC

                          a wholly owned subsidiary of

                                     [LOGO]
                              DOMINION RESOURCES
              to acquire the whole of the issued share capital of

                         East Midlands Electricity plc


A letter from Sir Nigel Rudd, the Chairman of East Midlands Electricity, is set
out on pages 3 and 4.

ACCEPTANCES SHOULD BE DESPATCHED AS SOON AS POSSIBLE, AND IN ANY EVENT SO AS TO
BE RECEIVED BY NO LATER THAN 3.00 PM ON 13 DECEMBER 1996. The procedure for
acceptance of the Offer is set out on pages 11 and 12 of this document and in
the accompanying Form of Acceptance.

The Offer referred to in this document is not being made, directly or
indirectly, in or into or by use of the mails or any means or instrumentality of
interstate or foreign commerce or any facilities of a national securities
exchange of the United States, nor is it being made in Canada, Australia or
Japan. Accordingly, neither this Offer document nor the accompanying Form of
Acceptance is being or may be mailed or otherwise forwarded, distributed or sent
(including telephonically or electronically) in, into or from the United States,
Canada, Australia or Japan.

The Loan Notes to be issued pursuant to the Offer have not been, and will not
be, registered under the United States Securities Act of 1933 (as amended) nor
under any of the relevant securities laws of Canada, Australia or Japan.
Accordingly, unless an exemption under such Act or relevant securities law is
applicable, the Loan Notes may not be offered, sold or delivered, directly or
indirectly, in or into the United States, Canada, Australia or Japan. All East
Midlands Electricity Shareholders (including nominees, trustees or custodians)
who would, or otherwise intend to, forward this document, should read the
further details in this regard which are contained in paragraph 6 of Part B and
Part C of Appendix 1 to this document before taking any action.


<PAGE>

                                    CONTENTS

                                                                            Page

Letter from the Chairman of East Midlands Electricity ......................   3

Letter from the Chairman of DR Investments .................................   5

Letter from SBC Warburg and Wasserstein Perella ............................   7

        1.  Introduction ...................................................   7
        2.  The Recommended Cash Offer .....................................   7
        3.  The Loan Note Alternative ......................................   8
        4.  Regulation .....................................................   8
        5.  Information on Dominion Resources ..............................   9
        6.  Information on East Midlands Electricity .......................   9
        7.  Management and employees .......................................   9
        8.  United Kingdom taxation ........................................   9
        9.  East Midlands Electricity Share Option Schemes .................  11
        10. Procedure for acceptance of the Offer ..........................  11
        11. Settlement .....................................................  12
        12. Action to be taken .............................................  13
        13. Further information ............................................  13

Appendix 1
        Conditions and further terms of the Offer ..........................  14

Appendix 2
        Particulars of the Loan Notes ......................................  31

Appendix 3
        Financial and other information relating to Dominion Resources .....  34

Appendix 4
        Financial and other information relating
          to East Midlands Electricity......................................  61

Appendix 5
        Additional information .............................................  75

Appendix 6
        Definitions ........................................................  83

                                       2

<PAGE>

                                                      [LOGO]
                                                      EAST MIDLANDS ELECTRICITY
                                                      Corporate Office
                                                      PO Box 444
                                                      Wollaton,
                                                      Nottingham NG8 1EZ



                                                               22 November 1996


To East Midlands Electricity Shareholders and, for information only, to
participants in the East Midlands Electricity Share Option Schemes



Dear Shareholder,


              Recommended Cash Offer for East Midlands Electricity


I wrote to you on 8 November to explain that Dominion Resources had announced
that it had been evaluating a potential offer for East Midlands Electricity. At
that time, the view of the executive management of Dominion Resources was that
it was unlikely to recommend to its own Board making an offer at a price much in
excess of 608p per share. Your Board clearly stated that it would reject any
offer at that level.

Dominion Resources then asked for a meeting with us to discuss a possible offer.
Following that meeting, your Board agreed to recommend a cash offer for your
company at 670p per share by DR Investments, a wholly owned subsidiary of
Dominion Resources. The Offer values the entire issued share capital of East
Midlands Electricity at approximately (pound)1.3 billion.

The Offer

The Offer is being made on the following basis:

                        for each Ordinary Share           670p in cash

The Offer represents a premium of 34.3% over the closing middle market price of
499p per Ordinary Share on 23 October 1996, the day before the recent bid
speculation for East Midlands Electricity commenced.

Assuming the Offer becomes wholly unconditional, the directors of East Midlands
Electricity do not intend to pay an interim dividend in respect of the six
months ended 30 September 1996.

A Loan Note Alternative is also being provided for which East Midlands
Electricity Shareholders may elect instead of some or all of the cash
consideration which would otherwise be receivable under the Offer. Further
information concerning the Loan Notes is set out on page 8 of this document and
in Appendix 2.

Reasons for recommending the Offer

As a Board we have always put the interests of shareholders and customers at the
top of our agenda. We also believe that East Midlands Electricity is an
excellent business which has successfully differentiated itself from the sector.
As a result, your Board had no hesitation in stating that it would reject any
offer at or around 608p per share. In arriving at its decision to recommend the
670p cash offer, your Board carefully considered the current and future
prospects for your company. This review convinced us that the Offer by DR
Investments represented fair value.

                                   East Midlands Electricity plc
                                   Registered in England and Wales No: 2366923
                                   Registered Office: PO Box 444, Woodyard Lane,
                                   Wollaton, Nottingham NG8 1EZ

                                       3
<PAGE>

Management and employees

DR Investments has given assurances that the existing rights, including pension
rights, of all management and employees of East Midlands Electricity will be
fully protected.

Action to be taken

The procedure for acceptance of the Offer is set out on pages 11 and 12 of this
document and in the accompanying Form of Acceptance. In order to accept the
Offer, you should complete and return the enclosed Form of Acceptance in
accordance with the instructions printed thereon as soon as possible and, in any
event, so as to be received not later than 3.00 pm on 13 December 1996.

Recommendation

The Board of East Midlands Electricity, which has been so advised by Schroders,
its financial advisers, considers the terms of the Offer to be fair and
reasonable. In providing advice to the Board of East Midlands Electricity,
Schroders has taken account of the directors' commercial assessments. The Board
of East Midlands Electricity unanimously recommends East Midlands Electricity
Shareholders to accept the Offer, as the directors intend to do in respect of
their own beneficial holdings amounting to 27,401 Ordinary Shares.


                                                          Yours sincerely,

                                                          /s/ Sir Nigel Rudd
                                                          -------------------
                                                          Sir Nigel Rudd
                                                          Chairman


                                       4
<PAGE>



DR Investments (UK) PLC                                      Registered Office:
Registered in England under company number            165 Queen Victoria Street
3277634                                                                  London
                                                                       EC4V 4DD


                                                               22 November 1996

To East Midlands Electricity Shareholders and, for information only, to
participants in the East Midlands Electricity Share Option Schemes



Dear Shareholder,

     Recommended Cash Offer by DR Investments for East Midlands Electricity

Introduction

On 6 November 1996, Dominion Resources announced that its executive management
was evaluating a potential offer for East Midlands Electricity. On 12 November
1996, representatives of Dominion Resources and East Midlands Electricity met to
discuss the terms of such an offer.

On 13 November 1996, the Boards of Dominion Resources and East Midlands
Electricity announced the terms of a recommended cash offer to be made by DR
Investments, a wholly owned subsidiary of Dominion Resources, for the whole of
the issued share capital of East Midlands Electricity.

The Recommended Cash Offer

The Offer:

o     is made on the basis of 670p in cash for each Ordinary Share (with a Loan
      Note Alternative);

o     values the entire issued share capital of East Midlands Electricity at
      approximately (pound)1.3 billion;

o     is recommended by the Board of East Midlands Electricity;

o     represents a premium of 24.7% over the closing middle market price of
      537.5p per Ordinary Share on 5 November 1996, the day before the Offer
      Period commenced; and

o     represents a premium of 34.3% over the closing middle market price of 499p
      per Ordinary Share on 23 October 1996, the day before the recent bid
      speculation concerning East Midlands Electricity commenced.

Background to and reasons for the Offer

Dominion Resources is one of the largest investor owned electric utility groups
in the US. In addition to developing Virginia Power, its core regulated
business, its strategy is to enhance shareholder value by making investments in
domestic and international ventures which complement its core business.
Significant investment has been made over the last decade and by 31 December
1995 the combined assets of these ventures was approximately $2 billion.

Dominion Resources has been studying the UK for a considerable period of time
and believes that it is an attractive market for investment. The proposed
acquisition of East Midlands Electricity enhances its strategy of entering new
geographic electric power markets where it can apply its existing experience and
expertise. Dominion Resources has been impressed by East Midlands Electricity's
management's record and is looking forward to working with them to continue the
development of East Midlands Electricity.

Dominion Resources considers that its operational expertise will enable East
Midlands Electricity to develop its existing businesses, to take advantage of
suitable opportunities for growth in the UK and to help position it to
participate actively in the post 1998 supply market. Dominion Resources places
strong emphasis on high levels of customer service and will seek to maintain and
enhance service levels to the benefit of customers of East Midlands Electricity.

                                       5
<PAGE>


Conclusion

We believe that we are paying a full and fair price for East Midlands
Electricity, reflecting our belief in the growth opportunities for East Midlands
Electricity, and that the Offer benefits both shareholders and customers of East
Midlands Electricity. We urge you to accept the Offer as soon as possible.

Details of how to accept the Offer are set out on pages 11 and 12 of this
document and in the accompanying Form of Acceptance.


                                                          Yours sincerely,

                                                          /s/ Thos. E. Capps
                                                          -------------------
                                                          Thos. E. Capps
                                                             Chairman

                                       6
<PAGE>

[SBC WARBURG LETTERHEAD]                       [WASSERSTEIN PERELLA LETTERHEAD]
2 Finsbury Avenue                              Wasserstein Perella & Co. Limited
London EC2M 2PP                                             3 Burlington Gardens
                                                                  London W1X 1LE


                                                                22 November 1996

To East Midlands Electricity Shareholders and, for information only, to
participants in the East Midlands Electricity Share Option Schemes



Dear Shareholder,


Recommended Cash Offer for East Midlands Electricity on behalf of DR Investments


1.  Introduction

On 13 November 1996, the Boards of Dominion Resources and East Midlands
Electricity announced the terms of a recommended cash offer for the whole of the
issued share capital of East Midlands Electricity. The Offer values the entire
issued share capital of East Midlands Electricity at approximately (pound)1.3
billion. This letter sets out the formal offer, which is being made by SBC
Warburg and Wasserstein Perella on behalf of DR Investments, a wholly owned
subsidiary of Dominion Resources. SBC Warburg is broker to the Offer.

Your attention is drawn to the letter from Sir Nigel Rudd, the Chairman of East
Midlands Electricity, on pages 3 and 4 of this document and the recommendation
contained therein.

The procedure for acceptance of the Offer is set out on pages 11 and 12 of this
document and in the accompanying Form of Acceptance.

Acceptances of the Offer should be received by The Royal Bank of Scotland plc,
Registrars Department, New Issues Section as soon as possible and, in any event,
by no later than 3.00 pm on 13 December 1996.

2.  The Recommended Cash Offer

On behalf of DR Investments, SBC Warburg and Wasserstein Perella offer to
acquire, on the terms and subject to the conditions set out or referred to in
this document and in the accompanying Form of Acceptance, all the East Midlands
Electricity Shares on the following basis:

                        for each Ordinary Share             670p in cash

The Offer represents:

o    a premium of 34.3% over the closing middle market price of 499p per
     Ordinary Share on 23 October 1996, the day before the recent bid
     speculation concerning East Midlands Electricity commenced; and

[LETTERHEAD]                                            [LETTERHEAD]

                                       7

<PAGE>



o    a premium of 24.7% over the closing middle market price of 537.5p per
     Ordinary Share on 5 November 1996, the day before the Offer Period
     commenced.

Assuming the Offer is declared wholly unconditional, the directors of East
Midlands Electricity do not intend to pay an interim dividend in respect of the
six months ended 30 September 1996.

The Ordinary Shares will be acquired by DR Investments fully paid and free from
all liens, equities, charges, encumbrances and other interests and together with
all rights now or hereafter attaching thereto, including without limitation the
right to retain and receive all dividends and other distributions declared, made
or paid after 12 November 1996.

The Offer will be subject to the conditions and on the terms set out in Appendix
1 and in the accompanying Form of Acceptance.

3.  Loan Note Alternative

Instead of some or all of the cash consideration which would otherwise be
receivable by them under the Offer, Ordinary Shareholders (other than certain
overseas shareholders) accepting the Offer will be entitled to elect to receive
Loan Notes on the following basis:

          for each (pound)1 of cash          (pound)1 nominal of Loan Notes

The Loan Notes will be issued by DR Investments credited as fully paid in
amounts and integral multiples of (pound)1 nominal value and any fractional
entitlements will be disregarded and not issued.

The Loan Notes will be unsecured and unguaranteed obligations of DR Investments.
The Loan Notes will bear interest, payable yearly at the rate of 1% below LIBOR
for twelve month sterling deposits. Interest on the Loan Notes will be payable
annually in arrears on 31 March (or, if not a business day in any year, on the
following business day). The first interest payment on the Loan Notes will be
made on 31 March 1998 in respect of the period from the first issue of the Loan
Notes. Holders of the Loan Notes will have the right to redeem them for cash at
par on 31 March 1998 and on interest payment dates thereafter. Unless previously
redeemed or repurchased, the Loan Notes will be redeemed on 31 March 2007.

No Loan Notes will be issued unless valid elections for the Loan Note
Alternative will result in the issue of at least (pound)10 million nominal value
of Loan Notes, or such smaller amount as DR Investments may decide. If the Loan
Notes are not issued in these circumstances, Ordinary Shareholders who elect for
the Loan Note Alternative will receive cash in accordance with the terms of the
Offer. The Loan Note Alternative will not be available to United States,
Canadian, Australian or Japanese persons. DR Investments does not intend to make
application to any stock exchange for the Loan Notes to be listed.

The value of the Loan Notes has been estimated by SBC Warburg and Wasserstein
Perella to be not less than 98p per (pound)1 nominal value as at 18 November
1996, the latest practicable day prior to the publication of this document.
Further details of the Loan Notes are set out in Appendix 2.

4.  Regulation

The Offer gives rise to a merger situation qualifying for investigation within
the meaning of the Fair Trading Act 1973. It is therefore conditional on an
announcement being made indicating, in terms satisfactory to the Offeror, that
it is not the intention of the Secretary of State for Trade and Industry to
refer the Offer, or any matters arising therefrom or relating thereto, to the
Monopolies and Mergers Commission. In this connection, DR Investments has made
submissions to both the Director General of Fair Trading and the Director
General of Electricity Supply.


East Midlands Electricity is the holder of licences issued under the Electricity
Act 1989. These licences do not contain change of control provisions. It is,
however, open to the DGES to seek modification of these licences at any time by
agreement with the licensee or, in the absence of agreement, following a
reference to the Monopolies and Mergers Commission under the Electricity Act
1989. The Offer is conditional on indications being given by the DGES that it is
not his intention to seek modifications to such licences held by East Midlands
Electricity and on East Midlands Electricity not agreeing to any modification,
except in either case on terms satisfactory to the Offeror, and also on neither
the Secretary of State for Trade and Industry nor the DGES seeking undertakings
from any member of the Offeror Group or the East Midlands Electricity Group
except on terms satisfactory to the Offeror. In this connection, DR Investments
and East Midlands Electricity have jointly notified the DGES of the Offer.

                                       8

<PAGE>

5.  Information on Dominion Resources

Dominion Resources is a US holding company active in regulated electric power
activities in Virginia and North Carolina and competitive electric power
activities internationally and throughout the US. It is also active in natural
gas development, financial services and real estate.

Dominion Resources operates through three wholly owned subsidiaries. Its
principal subsidiary is Virginia Power, one of the 15 largest investor owned
electric utilities in the US, serving nearly two million homes and businesses in
Virginia and northeastern North Carolina. Dominion Energy, its independent power
and natural gas and oil subsidiary, has ownership interests in over 20 power
projects with generating capacity of over 2,500 MW in four Central and South
American countries and six US states. Dominion Capital, its financial services
and real estate subsidiary, has businesses which include lending to consumers
and energy production companies, ownership in a hydroelectric facility and real
estate holdings and transactions.

For the year ended 31 December 1995, Dominion Resources reported consolidated
net income of $425 million ((pound)258 million) on operating revenue of $4,652
million ((pound)2,819 million). As at 31 December 1995, Dominion Resources had
shareholders' equity of $4,742 million ((pound)2,874 million). Dominion
Resources' common stock is traded on the New York Stock Exchange, with a current
equity market capitalisation of approximately $7.0 billion ((pound)4.2 billion).
It employs more than 10,000 people.

6.  Information on East Midlands Electricity

East Midlands Electricity owns and operates the electricity distribution network
for some 2.3 million customers in a region that extends from Coventry to the
Lincolnshire coast and from Milton Keynes to Chesterfield. Under the terms of
its licence, East Midlands Electricity supplies electricity to all domestic and
smaller business customers in its region. Larger business customers whose annual
consumption exceeds 100kW are entitled to purchase electricity in the
competitive market. East Midlands Electricity participates in this market and
sells electricity to these larger business customers both within and outside its
immediate region. Other activities include gas supply, electrical contracting
and power generation.

For the financial year ended 31 March 1996, East Midlands Electricity reported
consolidated profit after tax (excluding the effect of the distribution of the
National Grid Group plc and associated transactions referred to on pages 69 and
70 in Appendix 4) of (pound)150 million on turnover of (pound)1,300 million. It
employed an average of over 5,000 people during that financial year. As at 31
March 1996, East Midlands Electricity had net assets of (pound)391 million.

7.  Management and employees

The existing employment rights, including pension rights, of all management and
employees of East Midlands Electricity will be fully protected.

8.  United Kingdom taxation

The following paragraphs, which are intended as a general guide only, are based
on current legislation and Inland Revenue practice. They summarise certain
limited aspects of the UK taxation treatment of accepting the Offer and the Loan
Note Alternative. The information relates only to the position of East Midlands
Electricity Shareholders who hold their East Midlands Electricity Shares as
investments and (except to the extent that express reference to the position of
non UK residents is made) who are resident in the United Kingdom for taxation
purposes.

If you are in any doubt as to your taxation position or if you are subject to
taxation in any jurisdiction other than the United Kingdom, you should consult
an appropriate independent adviser without delay.


  (a) Taxation of chargeable gains

      Liability to United Kingdom taxation of chargeable gains will depend on
      the individual circumstances of each East Midlands Electricity Shareholder
      and on the form of consideration received.

      Cash

      To the extent that an East Midlands Electricity Shareholder receives cash
      under the Offer, this will constitute a disposal, or part disposal, of his
      East Midlands Electricity Shares which may, depending on the shareholder's
      individual circumstances, give rise to a liability to United Kingdom
      taxation of chargeable gains.

                                       9

<PAGE>


      Loan Notes

        (i)   Holdover

              Any East Midlands Electricity Shareholder who, together with
              persons connected with such shareholder, does not hold more than
              5% of any class of shares in or debentures of East Midlands
              Electricity will not be treated as having made a disposal of East
              Midlands Electricity Shares for the purposes of United Kingdom
              taxation of chargeable gains to the extent that such shareholder
              receives Loan Notes in exchange for East Midlands Electricity
              Shares. Any gain or loss which would otherwise have arisen on a
              disposal of East Midlands Electricity Shares at market value at
              the time of that exchange will be "held over" and deemed to accrue
              on a subsequent disposal (including a redemption) of the Loan
              Notes. No "indexation allowance" will be available for the period
              during which any gain is "held over" in this way.

              Any East Midlands Electricity Shareholder who, either alone or
              together with persons connected with such shareholder, holds more
              than 5% of any class of shares in or debentures of East Midlands
              Electricity is advised that an application for clearance has been
              made to the Inland Revenue under Section 138 of the Taxation of
              Chargeable Gains Act 1992 in respect of the Offer. If such
              clearance is given, any such East Midlands Electricity Shareholder
              will be treated in the manner described in the preceding
              paragraph. Neither the Offer nor the Loan Note Alternative is
              conditional on such clearance being obtained.

        (ii)  Disposal of Loan Notes

              The Loan Notes will be "qualifying corporate bonds" for the
              purposes of United Kingdom taxation of chargeable gains.
              Accordingly, except to the extent that a chargeable gain or
              allowable loss previously "held over" in respect of East Midlands
              Electricity Shares is deemed to accrue as described in (i) above,
              any gains and losses arising on a disposal (including a
              redemption) of the Loan Notes will not give rise to chargeable
              gains or allowable losses for the purposes of United Kingdom
              taxation of chargeable gains.

              Holders of Loan Notes within the charge to corporation tax are
              also referred to paragraph 8(b)(iii) below.

  (b) Taxation of income

      Loan Notes

      (i)     Withholding tax

              Interest on the Loan Notes will be paid subject to deduction of
              United Kingdom income tax (currently at the rate of 20%) by the
              Offeror unless the Offeror has previously been directed by the
              Inland Revenue in relation to a particular holding of Loan Notes
              to make a payment free of deduction or subject to a reduced rate
              of deduction by virtue of relief available to the holder of those
              Loan Notes under an applicable double taxation treaty. Such a
              direction will only be issued following a prior application to the
              Inland Revenue in the appropriate manner by the holder of those
              Loan Notes. The Offeror will not gross up payments of interest on
              the Loan Notes to compensate for any tax which it is required to
              deduct at source.

      (ii)    Individual holders of Loan Notes

              Subject to the above, the gross amount of interest on the Loan
              Notes will form part of the recipient's income for the purposes of
              United Kingdom income tax, credit being allowed for the tax
              withheld. Individuals who are taxable only at the lower or basic
              rate will have no further tax to pay in respect of the interest.
              In certain cases, holders of Loan Notes may be able to recover
              from the Inland Revenue an amount in respect of the tax withheld
              at source.

              Under the "accrued income scheme", a charge to tax on income may
              arise on a transfer of Loan Notes in respect of interest on the
              Loan Notes which has accrued since the preceding interest payment
              date.

                                       10

<PAGE>

      (iii)   Corporate holders of Loan Notes

              For a Loan Note holder within the charge to corporation tax, all
              profits, gains and losses measured and recognised in accordance
              with an appropriate accounting method in respect of the Loan Notes
              will be taxed or relieved as income.

  (c) Stamp duty and stamp duty reserve tax ("SDRT")

      (i)     Acceptance of the Offer

              No stamp duty or SDRT will be payable by East Midlands Electricity
              Shareholders as a result of accepting the Offer (including the
              Loan Note Alternative).

      (ii)    Loan Notes

              No stamp duty or SDRT will be payable on a transfer or sale of, or
              an agreement to transfer or sell, Loan Notes.

  (d) Other taxation matters

              Special taxation provisions may apply to East Midlands Electricity
              Shareholders who have acquired or acquire their East Midlands
              Electricity Shares by exercising options under the East Midlands
              Electricity Share Option Schemes, including provisions imposing a
              charge to income tax.

9. East Midlands Electricity Share Option Schemes

The Offer will extend to any Ordinary Shares unconditionally allotted or issued
prior to the date on which the Offer closes (or such earlier date, not being
earlier than the date on which the Offer becomes unconditional as to acceptances
or, if later, the first closing date of the Offer, as the Offeror may determine)
as a result of the exercise of options granted under the East Midlands
Electricity Share Option Schemes. Appropriate proposals will be made to option
holders under the East Midlands Electricity Share Option Schemes in due course.


10. Procedure for acceptance of the Offer

  (a) To accept the Offer

      To accept the Offer in respect of all or any of your East Midlands
      Electricity Shares, you must complete Boxes 1 and 4 and sign Box 3 of the
      Form of Acceptance in the presence of a witness, who should sign in
      accordance with the instructions printed on the Form. You must also
      complete Boxes 5 and 6 if relevant.


      If you have any questions as to how to complete the Form of Acceptance,
      please contact the Receiving Agent on telephone number 0117 975 1594.

  (b) To elect for the Loan Note Alternative

      To elect for the Loan Note Alternative for all or part of your East
      Midlands Electricity Shares in respect of which you accept the Offer, you
      must complete the Form of Acceptance as set out in (a) above and in
      addition complete Box 2 on the Form of Acceptance in accordance with the
      instructions printed thereon. The Loan Note Alternative is not available
      to certain overseas shareholders or persons acting for the account or
      benefit of such persons. In addition, if you have completed Box 5 you may
      only receive cash under the terms of the Offer.

  (c) Return of Form of Acceptance

      The completed, signed and witnessed Form of Acceptance should be lodged
      with the Receiving Agent, The Royal Bank of Scotland plc, Registrars
      Department, New Issues Section, either by post or by hand at PO Box No
      859, Consort House, East Street, Bedminster, Bristol BS99 1XZ or by hand
      only at PO Box 633, 5-10 Great Tower Street, London EC3R 5ER, together
      with the relevant share certificate(s), documents of title, letters of
      indemnity and supporting documents (if any) for the East Midlands
      Electricity Shares in respect of which the Form of Acceptance has been
      completed, as soon as possible, but in any event so as to arrive not later
      than 3.00 pm on 13 December 1996. A reply-paid envelope for the UK only is
      enclosed for your convenience.

                                       11
<PAGE>


  (d) Method of delivery

      The method of delivery to the Receiving Agent of share certificates for
      East Midlands Electricity Shares and all other required documents is at
      the option and risk of accepting East Midlands Electricity Shareholders.
      You may wish to use the enclosed reply-paid envelope, for use in the UK
      only. If delivery is other than by UK post, registered mail with return
      receipt requested, properly insured, is recommended. In all cases,
      sufficient time should be allowed to ensure prompt delivery. No
      acknowledgement of receipt of documents will be given.

      The attention of East Midlands Electricity Shareholders who are residents
      or citizens of territories outside the United Kingdom is drawn to
      paragraph (g) below.

  (e) Documents of title

      A completed and signed Form of Acceptance should be accompanied by the
      relevant share certificate(s) and/or other document(s) of title. No
      acknowledgement of receipt of documents will be given. If for any reason
      the relevant share certificate(s) and/or the other document(s) of title
      is/are lost or not readily available, you should nevertheless complete,
      sign and lodge the Form of Acceptance as stated above so as to be received
      by the Receiving Agent by no later than 3.00 pm on 13 December 1996 and
      you should arrange for the relevant share certificate(s) and/or other
      document(s) of title to be forwarded as soon as possible thereafter. The
      completed Form of Acceptance, together with any share certificate(s)
      and/or other document(s) of title which you may have available, should be
      lodged with the Receiving Agent at either of the addresses given in
      paragraph (c) above, accompanied by a letter stating that the balance will
      follow or that you have lost one or more of your share certificate(s)
      and/or other document(s) of title. In the case of loss, you should then
      write to East Midlands Electricity's Registrars, Lloyds Bank Registrars,
      54 Pershore Road South, King's Norton, Birmingham B30 3EP, for a letter of
      indemnity for lost share certificate(s) which, when completed in
      accordance with the instructions given, should be lodged with the
      Receiving Agent at either of the addresses given in paragraph (c) above.


  (f) Validity of acceptances

      DR Investments, SBC Warburg and Wasserstein Perella reserve the right,
      subject to the Code, to treat as valid any acceptance of the Offer which
      is not entirely in order or which is not accompanied by the relevant share
      certificate(s) and/or other document(s) of title. In that event, the
      consideration payable under such acceptances will not be despatched until
      after the Form of Acceptance, complete in all respects, the share
      certificate(s) and/or other document(s) of title or indemnities
      satisfactory to DR Investments have been received.

  (g) Overseas shareholders

      The attention of East Midlands Electricity Shareholders not resident in
      the United Kingdom or who are holding Ordinary Shares on behalf of
      citizens, nationals or residents of jurisdictions outside the United
      Kingdom or who may have an obligation to forward this document or any Form
      of Acceptance outside the United Kingdom is drawn to paragraph 6 of Part B
      of Appendix 1, paragraphs (b), (c) and (d) of Part C of Appendix 1 and to
      the relevant provisions of the Form of Acceptance.

      The Offer is not being made, directly or indirectly, in or into, or by
      means of the mails or any means or instrumentality of interstate or
      foreign commerce or any facilities of a national securities exchange of
      the United States, nor is it being made in Canada, Australia or Japan.
      Accordingly, any acceptors who are unable to give the warranties set out
      in paragraph (b) and (d) of Part C of Appendix 1 to this document will be
      deemed not to have accepted the Offer.


11. Settlement

Subject to the Offer becoming or being declared unconditional in all respects,
cheques in settlement of the cash consideration or Loan Note certificates will
be despatched (but not in or into the United States, Canada, Australia or Japan)
by first class post to persons accepting the Offer or their appointed agents not
later than 21 days after the Offer becomes unconditional in all respects or 21
days after receipt of a valid and completed acceptance, whichever is the later.

                                       12
<PAGE>

12. Action to be taken

You are urged to complete, sign and return the Form of Acceptance as soon as
possible, but in any event so as to arrive not later than 3.00 pm on 13 December
1996.

13. Further information

Your attention is drawn to the Appendices which contain further information and
form part of this document.

                               Yours faithfully,


           for and on behalf of                  for and on behalf of
          Swiss Bank Corporation           Wasserstein Perella & Co. Limited
       acting through its division
               SBC Warburg

               P A Kiernan                             H J Covington
            Managing Director                       Managing Director

              T K G Cooper
           Executive Director

                                       13
<PAGE>


                                   APPENDIX 1

                   CONDITIONS AND FURTHER TERMS OF THE OFFER

PART A:  CONDITIONS OF THE OFFER

1.   The Offer (which in this Appendix is deemed to include, where relevant,
     references to the Loan Note Alternative) will be subject to the following
     conditions:

     (a) valid acceptances being received (and not, where permitted, withdrawn)
         by not later than 3.00 pm on the first closing date of the Offer (or
         such later time(s) and/or date(s) as the Offeror may, subject to the
         rules of the Code, decide) in respect of not less than 90% (or such
         lower percentage as the Offeror may decide) in nominal value of the
         East Midlands Electricity Shares to which the Offer relates, provided
         that this condition will not be satisfied unless the Offeror and its
         wholly owned subsidiaries shall have acquired or agreed to acquire
         (whether pursuant to the Offer or otherwise) shares in East Midlands
         Electricity carrying more than 50% of the voting rights then normally
         exercisable at general meetings of East Midlands Electricity. For the
         purposes of this condition:


         (i)    shares which have been unconditionally allotted shall be deemed
                to carry the voting rights they will carry upon their being
                entered in the register of members of East Midlands Electricity;
                and

         (ii)   the expression "East Midlands Electricity Shares to which the
                Offer relates" shall mean (i) East Midlands Electricity Shares
                unconditionally allotted or issued on or before the date the
                Offer is made and (ii) East Midlands Electricity Shares
                unconditionally issued or allotted after that date but before
                the time at which the Offer closes or before such earlier time
                as the Offeror may decide (not, without the consent of the
                Panel, being earlier than the date on which the Offer becomes
                unconditional as to acceptances or, if later, the first closing
                date of the Offer) but excluding any East Midlands Electricity
                Shares which, at or before the time at which the Offer is made,
                are held (otherwise than under such a contract as is described
                in Section 428(5) of the Companies Act 1985) or contracted to be
                acquired by the Offeror or any of its associates (within the
                meaning of Section 430E of the Companies Act 1985);


     (b) an announcement being made indicating in terms satisfactory to the
         Offeror that it is not the intention of the Secretary of State for
         Trade and Industry to refer the proposed acquisition of East Midlands
         Electricity by the Offeror, or any matters arising therefrom, to the
         Monopolies and Mergers Commission;


     (c) neither the North Carolina Utilities Commission nor the Virginia State
         Corporation Commission having revised or withdrawn their certifications
         to the US Securities and Exchange Commission, for the purpose of
         Dominion Resources' exemption from regulation under the US Public
         Utility Holding Company Act of 1935 (as amended), that each such
         commission has the authority and resources to protect the ratepayers of
         Virginia Power subject to its jurisdiction and that it intends to
         exercise that authority;

     (d) the Director General of Electricity Supply indicating in terms
         satisfactory to the Offeror that:

         (i)    with the exception of the proposed modifications announced by
                him on 6 July 1995 and subject to (ii) below, it is not his
                intention to seek any modification to one or more of the
                licences held by East Midlands Electricity under the Electricity
                Act 1989 and East Midlands Electricity not agreeing to any such
                modifications, except, in either case, on terms satisfactory to
                the Offeror; and

         (ii)   he will give such consents and/or directions (if any) and seek
                such modifications (if any) as are necessary or appropriate with
                respect to such licences in connection with the Offer or the
                acquisition by the Offeror of shares in East Midlands
                Electricity in each case on terms satisfactory to the Offeror;


     (e) neither the Secretary of State for Trade and Industry nor the DGES
         seeking undertakings or assurances from any member of the Offeror Group
         or any member of the East Midlands Electricity Group, except on terms
         satisfactory to the Offeror;

                                       14
<PAGE>


     (f) East Midlands Electricity's consent (announced by it on 17 July 1995)
         to the proposed modifications to the licence held by it under the
         Electricity Act 1989 proposed by the DGES on 6 July 1995 remaining in
         full force and effect;

     (g) all necessary filings having been made, all appropriate waiting periods
         (including extensions thereof) under any applicable legislation or
         regulations of any jurisdiction (including, without limitation, in the
         United States, the Hart-Scott-Rodino Antitrust Improvements Act of 1976
         (as amended) and the regulations made thereunder) having expired,
         lapsed or been terminated, in each case in respect of the Offer and the
         acquisition of any shares in, or control of, East Midlands Electricity
         by the Offeror and all necessary statutory and regulatory obligations
         in connection with the Offer in any jurisdiction having been complied
         with;

     (h) no government or governmental, quasi-governmental, supranational,
         statutory, regulatory or investigative body, court, trade agency,
         professional association or any other person or body whatsoever in any
         jurisdiction (each a "Third Party") having decided to take, institute,
         implement or threaten any action, proceeding, suit, investigation,
         enquiry or reference or made, proposed or enacted any statute,
         regulation or order or having done anything which would or might
         reasonably be expected to:

         (i)    make the Offer, its implementation, or the acquisition or
                proposed acquisition by the Offeror or any of its subsidiaries
                or subsidiary undertakings or associated companies (including
                any joint venture, partnership, firm or company in which any
                member of the Offeror Group has a substantial interest) or any
                company in which any such member has a substantial interest
                (together the "wider Offeror Group") of any shares or other
                securities in, or control of, East Midlands Electricity illegal,
                void or unenforceable in any jurisdiction, or otherwise,
                directly or indirectly, prohibit or materially and adversely
                restrain, restrict, delay, or otherwise interfere with the
                implementation of, or impose additional material adverse
                conditions or obligations with respect to, or otherwise
                challenge, the Offer or such acquisition;

         (ii)   require, prevent or delay the divestiture by any member of the
                wider Offeror Group of any shares or other securities in East
                Midlands Electricity;

         (iii) require, prevent or delay the divestiture or alter the terms
               envisaged for any proposed divestiture by East Midlands
               Electricity or any of its subsidiaries or subsidiary undertakings
               or associated companies (including any joint venture,
               partnership, firm or company in which any member of the East
               Midlands Electricity Group has a substantial interest) or any
               company in which any such member has a substantial interest
               (together the "wider East Midlands Electricity Group") or (as a
               result of the acquisition of East Midlands Electricity Shares or
               of control of East Midlands Electricity by the wider Offeror
               Group) by any member of the wider Offeror Group of all or any
               portion of their respective businesses, assets or property or
               impose any limitation on the ability of any of them to conduct
               their respective businesses (or any of them) or to own any of
               their respective assets or property or any part thereof in any
               such case to an extent which is material in the context of the
               East Midlands Electricity Group, or, as applicable, of the
               Offeror Group;

         (iv)  impose any material limitation on the ability of any member of
               the wider Offeror Group or of the wider East Midlands Electricity
               Group to acquire or to hold or to exercise effectively, directly
               or indirectly, any rights of ownership of shares or other
               securities (or the equivalent) in East Midlands Electricity or
               any other member of the wider East Midlands Electricity Group or
               to exercise management control over East Midlands Electricity or
               any other member of the wider East Midlands Electricity Group;

         (v)   require any member of the wider Offeror Group or the wider East
               Midlands Electricity Group to offer to acquire any shares or
               other securities (or the equivalent) in any member of the wider
               East Midlands Electricity Group owned by any third party;

         (vi) impose any limitation on the ability of any member of the wider
              East Midlands Electricity Group to co-ordinate its business, or
              any part of it, with the businesses of

                                       15
<PAGE>

                any other member to an extent which is material in the context
                of the East Midlands Electricity Group;

         (vii)  result in a material delay in the ability of any member of the
                Offeror Group, or render any member of the Offeror Group unable,
                to acquire all or some of the East Midlands Electricity Shares
                or require or prevent a divestiture by any member of the Offeror
                Group of any such shares;

         (viii) to an extent which is material in the context of the East
                Midlands Electricity Group result in any member of the wider
                East Midlands Electricity Group ceasing to be able to carry on
                business under any name which it presently does so; or

         (ix)   to an extent which is material in the context of the East
                Midlands Electricity Group otherwise adversely affect the
                business, profits or prospects of any member of the wider
                Offeror Group or any member of the wider East Midlands
                Electricity Group;

         and applicable waiting periods during which any Third Party could
         institute, implement or threaten any action, proceedings, suit,
         investigation, enquiry or reference or otherwise intervene under the
         laws of any jurisdiction having expired, lapsed or been terminated;

     (i) all necessary filings having been made in connection with the Offer and
         all authorisations, orders, recognitions, grants, consents, clearances,
         confirmations, licences, permissions and approvals including, without
         limitation, any filings or approvals required under the laws of the
         Commonwealth of Virginia and the State of North Carolina governing the
         regulation of public utilities and their affiliates ("Authorisations")
         necessary or reasonably deemed appropriate by the Offeror or any member
         of the wider Offeror Group in any jurisdiction for or in respect of the
         Offer or the acquisition or proposed acquisition of any shares or other
         securities in, or control of, East Midlands Electricity by any member
         of the wider Offeror Group having been obtained, in terms and in a form
         reasonably satisfactory to the Offeror, from all appropriate Third
         Parties or (without prejudice to the generality of the foregoing) from
         any persons or bodies with whom any member of the wider East Midlands
         Electricity Group has entered into contractual arrangements and all
         such Authorisations together with all Authorisations necessary or
         reasonably deemed appropriate for any member of the wider East Midlands
         Electricity Group to carry on its business remaining in full force and
         effect and there being no notice or intimation of any intention to
         revoke or not to renew any of the same at the time at which the Offer
         becomes otherwise unconditional and all statutory or regulatory
         obligations necessary or reasonably deemed appropriate for the purposes
         of the Offer or the acquisition of shares or other securities in, or
         control of, East Midlands Electricity in all relevant jurisdictions
         having been complied with;

     (j) there being no provision of any arrangement, agreement, licence or
         other instrument to which any member of the wider East Midlands
         Electricity Group is a party or by or to which any such member or any
         part of its respective assets is or are or may be bound or subject, or
         any circumstance which, as a consequence of the Offer or the
         acquisition or proposed acquisition by any member of the wider Offeror
         Group of some or all of the share capital of East Midlands Electricity
         or other securities in East Midlands Electricity or because of a change
         in the control or management of East Midlands Electricity or otherwise,
         could or might reasonably be expected to result in to an extent which
         is material in the context of the East Midlands Electricity Group:

         (i)      any such arrangement, agreement, licence or instrument being
                  terminated or adversely modified or affected or any onerous
                  obligation or liability arising or any adverse action being
                  taken or arising thereunder;

         (ii)     the rights, liabilities, obligations or interests of any
                  member of the wider East Midlands Electricity Group under any
                  such arrangement, agreement, licence or instrument or the
                  interests or business of any member of the wider East Midlands
                  Electricity Group or the wider Offeror Group in or with any
                  other firm or company or body or person (or any arrangement or
                  arrangements relating to any such business or interests) being
                  terminated or adversely modified or affected;

         (iii)    any assets or interests of any member of the wider East
                  Midlands Electricity Group being or falling to be disposed of
                  or charged or any right arising under which any such asset or
                  interest could be required to be disposed of or charged;

                                       16

<PAGE>



         (iv)     the creation or enforcement of any mortgage, charge or other
                  security interest over the whole or any part of the business,
                  property or assets of any member of the wider East Midlands
                  Electricity Group;

         (v)      any moneys borrowed by, or any other indebtedness, actual or
                  contingent, of, any member of the wider East Midlands
                  Electricity Group being or becoming repayable, or capable of
                  being declared repayable, immediately or prior to its or their
                  stated maturity, or the ability of any such member to borrow
                  moneys or incur any indebtedness being withdrawn or inhibited;

         (vi)     the financial or trading position or prospects of any member
                  of the wider East Midlands Electricity Group being prejudiced
                  or adversely affected; or

         (vii)    any member of the wider East Midlands Electricity Group
                  ceasing to be able to carry on business under any name under
                  which it presently does so;

     (k) no member of the wider East Midlands Electricity Group having, since 31
         March 1996 (save as disclosed in the annual report and accounts of East
         Midlands Electricity for the year then ended or otherwise announced on
         or before 11 November 1996 on the London Stock Exchange):

         (i)      issued or agreed to issue or authorised or proposed the issue
                  of additional shares of any class or securities convertible
                  into, or rights, warrants or options to subscribe for or
                  acquire, any such shares or convertible securities (save as
                  between East Midlands Electricity and wholly-owned
                  subsidiaries of East Midlands Electricity and save for the
                  issue of East Midlands Electricity Shares on the exercise of
                  options granted before 12 November 1996 under the East
                  Midlands Electricity Share Option Schemes);

         (ii)     to an extent which is material in the context of the East
                  Midlands Electricity Group and save for transactions between
                  East Midlands Electricity and its wholly-owned subsidiaries,
                  merged with any body corporate or acquired or disposed of, or
                  transferred, mortgaged or charged or created any security
                  interest over, any assets or any right, title or interest in
                  any asset (including shares and trade investments) or
                  authorised, proposed or announced any intention to propose any
                  merger, demerger, acquisition, disposal, transfer, mortgage,
                  charge or security interest;

         (iii)    save as between East Midlands Electricity and its wholly-owned
                  subsidiaries, made or authorised or proposed or announced an
                  intention to propose any change in its loan capital to an
                  extent which is material in the context of the East Midlands
                  Electricity Group;

         (iv)     entered into or varied or announced its intention to enter
                  into or vary any contract, transaction or commitment (whether
                  in respect of capital expenditure or otherwise) which is of a
                  long-term or unusual or onerous nature or magnitude, or which
                  involves or could involve an obligation of such a nature or
                  magnitude which, in any case, is material in the context of
                  the East Midlands Electricity Group;

         (v)      to an extent which is material in the context of the East
                  Midlands Electricity Group issued, authorised or proposed the
                  issue of any debentures or (save as between East Midlands
                  Electricity and its wholly-owned subsidiaries) incurred or
                  increased any indebtedness or contingent liability;

         (vi)     recommended, declared, paid or made, or proposed the
                  recommendation, declaration, paying or making of, any bonus,
                  dividend, or other distribution, other than to East Midlands
                  Electricity or one of its wholly-owned subsidiaries;

         (vii)    purchased, redeemed or repaid or announced any proposal to
                  purchase, redeem or repay any of its own shares or other
                  securities or reduced or made any other change to any part of
                  its share capital to an extent which (other than in the case
                  of East Midlands Electricity) is material in the context of
                  East Midlands Electricity Group;

         (viii)   entered into, or changed the terms of, any contract with any
                  director of East Midlands Electricity other than in the
                  ordinary course of business;

                                       17

<PAGE>


         (ix)     implemented, or authorised, proposed or announced its
                  intention to implement or enter into any reconstruction,
                  amalgamation, commitment, scheme or other transaction or
                  arrangement otherwise than in the ordinary course of business;

         (x)      waived or compromised any claim otherwise than in the ordinary
                  course of business;

         (xi)     proposed any voluntary winding up;

         (xii)    entered into any contract, transaction or arrangement which is
                  or is likely to be restrictive in a material respect on the
                  business of any member of the wider East Midlands Electricity
                  Group or the wider Offeror Group;

         (xiii)   made any material alteration to its memorandum or articles of
                  association or other incorporation documents; or

         (xiv)    entered into any contract, commitment, agreement or
                  arrangement or passed any resolution with respect to or
                  announced an intention to effect or to propose any of the
                  transactions, matters or events referred to in this condition;

     (l) since 31 March 1996, and save as disclosed in the annual report and
         accounts of East Midlands Electricity for the year then ended or as
         announced on the London Stock Exchange on or before 11 November 1996:

         (i)      there having been no receiver, administrative receiver or
                  other encumbrance appointed over any of the assets of any
                  member of the wider East Midlands Electricity Group or any
                  analogous proceedings or steps having taken place under the
                  laws of any jurisdiction and there having been no petition
                  presented for the administration of any member of the wider
                  East Midlands Electricity Group or any equivalent proceedings
                  or steps taken under the laws of any other jurisdictions;

         (ii)     there having been no adverse change or deterioration in the
                  business, assets, financial or trading position or profits or
                  prospects of any member of the wider East Midlands Electricity
                  Group to an extent which is material in the context of the
                  East Midlands Electricity Group;

         (iii)    no litigation, arbitration proceedings, prosecution or other
                  legal proceedings having been threatened, announced or
                  instituted by or against or remaining outstanding against any
                  member of the wider East Midlands Electricity Group or to
                  which any member of the wider East Midlands Electricity Group
                  is or may become a party (whether as plaintiff or defendant or
                  otherwise), and no investigation by any relevant authority
                  against or in respect of any member of the wider East Midlands
                  Electricity Group having been threatened, announced or
                  instituted or remaining outstanding by, against or in respect
                  of any member of the wider East Midlands Electricity Group,
                  which in any such case might adversely affect any member of
                  the wider East Midlands Electricity Group to an extent which
                  is material in the context of the East Midlands Electricity
                  Group; and

         (iv)     no contingent or other liability having arisen or become
                  apparent to the Offeror which might reasonably be expected
                  adversely to affect any member of the wider East Midlands
                  Electricity Group to an extent which is material in the
                  context of the East Midlands Electricity Group;

     (m) the Offeror not having discovered:

         (i)      that any financial, business or other information concerning
                  the East Midlands Electricity Group publicly disclosed or
                  disclosed to the Offeror prior to the announcement of the
                  Offer by or on behalf of any member of the wider East Midlands
                  Electricity Group which is material in the context of the
                  acquisition of East Midlands Electricity by the Offeror is
                  misleading, contains a misrepresentation of fact or omits to
                  state a fact necessary to make the information contained
                  therein not misleading and has not been corrected by
                  subsequent announcement to the London Stock Exchange on or
                  before 11 November 1996; or

                                       18

<PAGE>

         (ii)     that any partnership, company or other entity in which any
                  member of the wider East Midlands Electricity Group has a
                  significant economic interest and which is not a subsidiary
                  undertaking of East Midlands Electricity is subject to any
                  liability, contingent or otherwise, which is material in the
                  context of the East Midlands Electricity Group and is not
                  disclosed in the Annual Report and Accounts of East Midlands
                  Electricity for the financial year ended 31 March 1996 or in
                  an announcement to the London Stock Exchange on or before 11
                  November 1996; and

     (n) the Offeror not having discovered:

         (i)      that any past or present member of the wider East Midlands
                  Electricity Group has not complied with all applicable
                  legislation or regulations of any jurisdiction with regard to
                  the disposal, discharge, spillage, leak or emission of any
                  waste or hazardous substance or any substance likely to impair
                  the environment or harm human health, or otherwise relating to
                  environmental matters, or that there has otherwise been any
                  such disposal, discharge, spillage, leak or emission (whether
                  or not the same constituted a non-compliance by any person
                  with any such legislation or regulations and wherever the same
                  may have taken place) which, in any such case, would be likely
                  to give rise to any liability (whether actual or contingent)
                  on the part of any member of the wider East Midlands
                  Electricity Group which is material in the context of the East
                  Midlands Electricity Group; or


         (ii)     that there is, or is likely to be, any liability which is
                  material in the context of the East Midlands Electricity Group
                  (whether actual or contingent) to make good, repair, reinstate
                  or clean up any property now or previously owned, occupied or
                  made use of by any past or present member of the wider East
                  Midlands Electricity Group under any environmental
                  legislation, regulation, notice, circular or order of any
                  relevant authority or otherwise.


The Offeror reserves the right to waive all or any of the above conditions, in
whole or in part, other than condition (a). Conditions (b) to (n) (inclusive),
if not, where applicable, waived, must be fulfilled or satisfied within 21 days
of the first closing date of the Offer or of the date on which condition (a) is
fulfilled, whichever is the later (or in either case such later date as the
Panel may agree), failing which the Offer will lapse. In such a case, the Offer
will cease to be capable of further acceptance and the Offeror, SBC Warburg and
Wasserstein Perella and East Midlands Electricity Shareholders shall thereupon
cease to be bound by prior acceptances. The Offeror shall be under no obligation
to waive or treat as satisfied any of the conditions by a date earlier than the
latest date specified above for the satisfaction thereof notwithstanding that
the other conditions of the Offer may at such earlier date have been waived or
fulfilled and that there are at such earlier date no circumstances indicating
that any of such conditions may not be capable of fulfilment.

The Offer will lapse if the acquisition of East Midlands Electricity by the
Offeror is referred to the Monopolies and Mergers Commission before 3.00 pm
(London time), on the first closing date of the Offer or, if later, the date on
which the Offer becomes or is declared unconditional as to acceptances, and if
the Offer so lapses the Offer will cease to be capable of further acceptance and
the Offeror, SBC Warburg and Wasserstein Perella and East Midlands Electricity
Shareholders will cease to be bound by prior acceptances.

The Offer is not being made, directly or indirectly, in or into the US, or by
use of the mails or any means or instrumentality of interstate or foreign
commerce of, or any facilities of a national securities exchange of the US, nor
is it being made in Canada, Australia or Japan. Accordingly, copies of this
document are not being, and must not be, mailed or otherwise distributed or sent
in or into or from, the US, Canada, Australia or Japan.

The Loan Notes to be issued pursuant to the Offer have not been and will not be
registered under the US Securities Act of 1933 (as amended) nor under any of the
relevant securities laws of Australia, Japan or Canada. Accordingly, unless an
exemption under such Act or relevant securities law is applicable, the Loan
Notes may not be offered, sold or delivered, directly or indirectly, in or into
the US, Australia, Japan or Canada.

The Loan Note Alternative is conditional upon the Offer becoming wholly
unconditional.

If the Offeror is required by the Panel to make an offer for East Midlands
Electricity Shares under the provisions of Rule 9 of the Code, the Offeror may
make such alterations to the conditions of the Offer, including condition (a),
as are necessary to comply with the provisions of that Rule.

                                       19
<PAGE>

PART B:FURTHER TERMS OF THE OFFER

The following further terms apply, unless the context requires otherwise, to the
Offer and the Loan Note Alternative. Except where the context requires
otherwise, any reference in Parts B or C of this Appendix 1 and in the Form of
Acceptance to:

         (i)      the "Offer" shall include the Offer (including the Loan Note
                  Alternative) and any revision, variation or renewal thereof or
                  extension thereto and shall include any election available in
                  connection with it;

         (ii)     the "Offer becoming unconditional" means the acceptance
                  condition becoming or being declared satisfied whether or not
                  any other condition of the Offer remains to be fulfilled;

         (iii)    the "acceptance condition" means the condition as to
                  acceptances set out in paragraph (a) of Part A of this
                  Appendix 1;

         (iv)     "acceptances of the Offer" shall include deemed acceptances of
                  the Offer; and

         (v)      the "Offer Document" shall mean this document and any other
                  document containing the Offer.

1.       Acceptance period

         (a)      The Offer will initially be open for acceptance until 3.00 pm
                  on 13 December 1996. Although no revision is envisaged, if the
                  Offer is revised it will remain open for acceptance for a
                  period of at least 14 days from the date on which written
                  notification of the revision is posted to East Midlands
                  Electricity Shareholders. Except with the consent of the
                  Panel, no revision of the Offer may be posted to East Midlands
                  Electricity Shareholders after 7 January 1997 or, if later,
                  the date falling 14 days prior to the last date on which the
                  Offer can become unconditional.

         (b)      The Offer, whether revised or not, shall not (except with the
                  consent of the Panel) be capable of becoming unconditional
                  after midnight on 21 January 1997 (or any earlier time and/or
                  date beyond which the Offeror has stated that the Offer will
                  not be extended and in respect of which it has not withdrawn
                  that statement), nor of being kept open for acceptance after
                  that time unless it has previously become unconditional,
                  provided that the Offeror reserves the right, with the
                  permission of the Panel, to extend the Offer to (a) later
                  time(s) and/or date(s). Except with the consent of the Panel,
                  the Offeror may not, for the purpose of determining whether
                  the acceptance condition has been satisfied, take into account
                  acceptances received or purchases of East Midlands Electricity
                  Shares made after 1.00 pm on 21 January 1997 (or any earlier
                  time and/or date beyond which the Offeror has stated that the
                  Offer will not be extended and in respect of which it has not
                  withdrawn that statement) or, if the Offer is so extended, any
                  such later time and/or date as may be agreed with the Panel.
                  If the latest time at which the Offer may become unconditional
                  is extended beyond midnight on 21 January 1997, acceptances
                  received and purchases made in respect of which all relevant
                  documents are received by the Receiving Agent after 1.00 pm on
                  the relevant date may (except where the Code otherwise
                  permits) only be taken into account with the agreement of the
                  Panel.

         (c)      If the Offer becomes or is declared unconditional, the Offer
                  will remain open for acceptance for not less than 14 days from
                  the date on which it would otherwise have expired. If the
                  Offer has become unconditional and it is stated by or on
                  behalf of the Offeror that the Offer will remain open until
                  further notice, then not less than 14 days' notice will be
                  given prior to the closing of the Offer.

         (d)      If a competitive situation arises after the Offeror has given
                  a "no extension" statement and/or a "no increase" statement,
                  the Offeror may, if it has specifically reserved the right to
                  do so at the time such statement was made, withdraw such
                  statement provided that it complies with the requirements of
                  the Code and, in particular, that:

                  (i)      it announces such withdrawal as soon as possible and
                           in any event within four business days of the
                           announcement of the competing offer and East Midlands
                           Electricity Shareholders are informed in writing
                           thereof at the earliest practicable opportunity or,
                           in the case of East Midlands Electricity Shareholders
                           with registered addresses outside the UK or whom the

                                       20
<PAGE>



                           Offeror knows to be nominees, custodians or trustees
                           holding East Midlands Electricity Shares for such
                           persons, by announcement in the UK; and

                  (ii)     any East Midlands Electricity Shareholders who
                           accepted the Offer after the date of the "no
                           extension" or "no increase" statement are given a
                           right of withdrawal in accordance with paragraph 3(c)
                           below.

                  The Offeror may, if it has reserved the right to do so, choose
                  not to be bound by a "no increase" or a "no extension"
                  statement if it would otherwise prevent the posting of an
                  increased or improved Offer which is recommended for
                  acceptance by the board of directors of East Midlands
                  Electricity or in other circumstances permitted by the Panel.

         (e)      For the purpose of determining at any particular time whether
                  the acceptance condition has been satisfied, the Offeror shall
                  be entitled to take account only of those East Midlands
                  Electricity Shares carrying voting rights which have been
                  unconditionally allotted or issued before that time and
                  written notice of the allotment or issue of which, containing
                  all the relevant details, has been received before that time
                  by the Receiving Agent from East Midlands Electricity or its
                  agents at the address specified in paragraph 3(a) below. Telex
                  or facsimile transmission will not be sufficient.

2.       Announcements

         (a)      By 8.30 am on the business day (the "relevant day") next
                  following the day on which the Offer is due to expire or
                  becomes or is declared unconditional or is revised or
                  extended, as the case may be (or such later time or date as
                  the Panel may agree), the Offeror will make an appropriate
                  announcement and simultaneously inform the London Stock
                  Exchange of the position. Such announcement will also state
                  (unless otherwise permitted by the Panel) the total number of
                  East Midlands Electricity Shares and rights over East Midlands
                  Electricity Shares (as nearly as practicable) (i) for which
                  acceptances of the Offer have been received, (ii) acquired or
                  agreed to be acquired by or on behalf of the Offeror or any
                  person deemed to be acting in concert with it during the
                  course of the Offer Period, (iii) held by or on behalf of the
                  Offeror or any person deemed to be acting in concert with it
                  prior to the Offer Period, and (iv) for which acceptances of
                  the Offer have been received from any person deemed to be
                  acting in concert with the Offeror, and will specify the
                  percentage of the relevant class of East Midlands Electricity
                  Shares represented by each of these figures. Any decision to
                  extend the date by which the acceptance condition has to be
                  fulfilled may be made at any time up to, and will be announced
                  not later than, 8.30 am on the relevant day or such later time
                  or date as the Panel may agree and the announcement will
                  (unless the Offer is unconditional) state the next expiry
                  date. In computing the number of East Midlands Electricity
                  Shares represented by acceptances and purchases, there may be
                  included or excluded for announcement purposes, subject to
                  paragraphs 5(o) and (p) below, acceptances and purchases which
                  are not complete in all respects or which are subject to
                  verification.

         (b)      In this Appendix, references to the making of an announcement
                  by or on behalf of the Offeror include the release of an
                  announcement by public relations consultants or by SBC Warburg
                  or Wasserstein Perella to the press and the delivery by hand
                  or telephone or telex or facsimile or other electronic
                  transmission of an announcement to the London Stock Exchange.
                  An announcement made otherwise than to the London Stock
                  Exchange shall be notified simultaneously to the London Stock
                  Exchange.

3.       Rights of withdrawal

         (a)      If the Offeror, having announced the Offer to be
                  unconditional, fails to comply by 3.30 pm on the relevant day
                  (or such later time(s) and/or date(s) as the Panel may agree)
                  with any of the other requirements specified in paragraph 2(a)
                  above, an accepting East Midlands Electricity Shareholder may
                  immediately thereafter withdraw his acceptance by written
                  notice received by The Royal Bank of Scotland plc, Registrars
                  Department, New Issues Section, either by post or by hand at
                  PO Box 859, Consort House, East Street, Bedminster, Bristol
                  BS99 1XZ or, by hand only, at PO Box 633, 5-10 Great Tower
                  Street, London EC3R 5ER on behalf of the Offeror. Subject to
                  paragraph 1(b) of this Part B, this right of withdrawal may be
                  terminated not less than eight days after the

                                       21
<PAGE>

                  relevant day by the Offeror confirming, if that be the case,
                  that the Offer is still unconditional, and complying with the
                  other requirements specified in paragraph 2(a) of this Part B.
                  If any such confirmation is given, the first period of 14 days
                  referred to in paragraph 1(c) of this Part B will run from the
                  date of such confirmation and compliance.

         (b)      If by 3.00 pm on 3 January 1997 (or such later time and/or
                  date as the Panel may agree) the Offer has not become
                  unconditional, an accepting East Midlands Electricity
                  Shareholder may withdraw his acceptance at any time thereafter
                  by written notice received by the Receiving Agent at the
                  address referred to in paragraph 3(a) above, on behalf of the
                  Offeror, before the earlier of (i) the time when the Offer
                  becomes unconditional, and (ii) the final time for lodgement
                  of acceptances which can be taken into account in accordance
                  with paragraph 1(b) of this Part B.


         (c)      If a "no extension" statement and/or a "no increase" statement
                  has been withdrawn in accordance with paragraph 1(d) of this
                  Part B, any East Midlands Electricity Shareholder who accepted
                  the Offer after the date of such a statement may withdraw his
                  acceptance thereafter in the manner referred to in paragraph
                  3(a) of this Part B, not later than the eighth day after the
                  date of posting of written notice of withdrawal of such
                  statement to the relevant East Midlands Electricity
                  Shareholder.

         (d)      Except as provided by this paragraph 3, acceptances shall be
                  irrevocable.

         (e)      In this paragraph 3 "written notice" (including any letter of
                  appointment, direction or authority) means notice in writing
                  bearing the original signature(s) of the relevant accepting
                  East Midlands Electricity Shareholder(s) or his/their agent(s)
                  duly appointed in writing (evidence of whose appointment is
                  produced with the notice in a form reasonably satisfactory to
                  the Offeror). Telex or facsimile transmissions or copies will
                  not be sufficient to constitute written notice. No notice
                  which is postmarked in, or otherwise appears to the Offeror or
                  its agents to have been sent from, the United States, Canada,
                  Australia or Japan will be treated as valid.

4.       Revised offer

         (a)      No revision of the Offer is envisaged. However, if the Offer
                  (in its original or any previously revised form(s)) is revised
                  (either in its terms and conditions or in the value or nature
                  of the consideration offered or otherwise) and such revision
                  represents on the date on which such revision is announced (on
                  such basis as SBC Warburg and Wasserstein Perella may consider
                  appropriate) an improvement or no diminution in the value of
                  the Offer as so revised compared with the consideration or
                  terms previously offered or in the overall value received
                  and/or retained by an East Midlands Electricity Shareholder
                  (under the Offer or otherwise), the benefit of the revised
                  Offer will, subject to paragraphs 4(c), 4(d) and 6 below, be
                  made available to any East Midlands Electricity Shareholder
                  who has accepted the Offer in its original or any previously
                  revised form(s) (hereinafter called a "previous acceptor").
                  The acceptance by or on behalf of a previous acceptor of the
                  Offer in its original or any previously revised form(s) shall,
                  subject as provided in paragraphs 4(c), 4(d) and 6 below, be
                  treated as an acceptance of the Offer as so revised and shall
                  also constitute an authority to any director or authorised
                  representative of the Offeror or of SBC Warburg or Wasserstein
                  Perella as his attorney and/or agent to accept any such
                  revised Offer on behalf of such previous acceptor and, if such
                  revised Offer includes alternative forms of consideration, to
                  make such elections for and accept such alternative forms of
                  consideration in such proportions (as nearly as practicable)
                  as those made by such previous acceptor in the Form of
                  Acceptance previously executed by him or on his behalf and to
                  execute on behalf of and in the name of such previous acceptor
                  all such further documents (if any) as may be required to give
                  effect to such acceptances and/or elections. In making any
                  such acceptance and/or election, such attorney and/or agent
                  shall take into account the nature of any previous acceptances
                  made by or on behalf of the previous acceptor and such other
                  facts or matters as he may reasonably consider relevant.

         (b)      The authorities conferred by this paragraph 4 and any
                  acceptance of a revised Offer and/or any election pursuant
                  thereto shall be irrevocable unless and until the previous
                  acceptor becomes entitled to withdraw his acceptance under
                  paragraph 3 above and duly does so.

                                       22
<PAGE>

         (c)      The deemed acceptance referred to in paragraph 4(a) of this
                  Part B shall not apply, and the authority conferred by this
                  paragraph shall be ineffective, to the extent that a previous
                  acceptor shall lodge with the Receiving Agent, within 14 days
                  of the posting of the document containing the revised Offer, a
                  form in which he validly elects to receive the consideration
                  receivable by him in some other manner.

         (d)      The deemed acceptance referred to in paragraph 4(a) of this
                  Part B shall not apply, and the authorities conferred by that
                  paragraph shall not be exercised by any director or authorised
                  representative of the Offeror, SBC Warburg or Wasserstein
                  Perella, if as a result thereof the previous acceptor would
                  (on such basis as SBC Warburg and Wasserstein Perella may
                  consider appropriate) thereby receive less in aggregate in
                  consideration than he would have received in aggregate as a
                  result of acceptance of the Offer in the form in which it was
                  previously accepted by him. The authorities conferred by
                  paragraph 4(a) of this Part B shall not be exercised in
                  respect of any election available under the revised Offer save
                  in accordance with this paragraph.

         (e)      The Offeror, SBC Warburg and Wasserstein Perella reserve the
                  right to treat an executed Form of Acceptance (in respect of
                  the Offer in its original or any previously revised form(s))
                  which is received (or dated) after the announcement or issue
                  of the Offer in any revised form as a valid acceptance of the
                  revised Offer and/or, where applicable, a valid election for
                  or acceptance of any of the alternative forms of consideration
                  (if any), and such acceptances shall constitute an authority
                  in the terms of paragraph 4(a) of this part B, mutatis
                  mutandis, on behalf of the relevant East Midlands Electricity
                  Shareholder.

5.       General

         (a)      Save with the consent of the Panel, the Offer will lapse
                  unless all the conditions have been fulfilled or (if capable
                  of waiver) waived or, where appropriate, have been determined
                  by the Offeror in its reasonable opinion to be or remain
                  satisfied by midnight on 3 January 1997 or by midnight on the
                  date which is 21 days after the date on which the Offer
                  becomes unconditional, whichever is the later, or such later
                  date as the Offeror may, with the consent of the Panel,
                  decide. In such a case, the Offer shall cease to be capable of
                  further acceptance and the Offeror, SBC Warburg, Wasserstein
                  Perella and East Midlands Electricity Shareholders shall
                  thereupon cease to be bound by prior acceptances.

         (b)      The Offer will lapse if it is referred to the Monopolies and
                  Mergers Commission before 3.00 pm on 13 December 1996 or the
                  date on which the Offer becomes unconditional, whichever is
                  the later. In such a case, the second sentence of paragraph
                  5(a) of this Part B will apply.

         (c)      The expression "Offer Period" when used in this document
                  means, in relation to the Offer, the period commencing on 6
                  November 1996 until whichever of the following dates shall be
                  the latest: (i) 3.00 pm on 13 December 1996; (ii) the date on
                  which the Offer lapses; and (iii) the date on which the Offer
                  becomes unconditional.

         (d)      Except with the consent of the Panel and save as referred to
                  in paragraph 10(f) of the letter from SBC Warburg and
                  Wasserstein Perella contained in this document, settlement of
                  the consideration to which any East Midlands Electricity
                  Shareholder is entitled under the Offer will be implemented in
                  full in accordance with the terms of the Offer without regard
                  to any lien, right of set-off, counterclaim or other analogous
                  right to which the Offeror, SBC Warburg or Wasserstein Perella
                  may otherwise be, or claim to be, entitled as against such
                  shareholder and will be posted not later than 21 days after
                  the date on which the Offer becomes unconditional in all
                  respects or 21 days after receipt of a valid and complete
                  acceptance, whichever is the later. Any cash consideration
                  will be settled by way of cheque drawn on a branch of a UK
                  clearing bank.

         (e)      Subject to paragraphs 5(o) and (p), notwithstanding that no
                  certificate(s) is/are delivered in respect of it, a duly
                  completed Form of Acceptance (i) executed under seal by SEPON
                  Limited and endorsed on behalf of the London Stock Exchange to
                  the effect that the East Midlands Electricity Shares to which
                  it refers are the whole or part of a holding registered in the
                  name of SEPON Limited and/or are East Midlands Electricity
                  Shares to which SEPON Limited is unconditionally entitled
                  immediately to become the registered holder, or (ii) executed
                  by

                                       23
<PAGE>

                  any other person(s) and endorsed on behalf of the London Stock
                  Exchange to the effect that such person(s) is/are
                  unconditionally entitled immediately to become the registered
                  holder(s) of the East Midlands Electricity Shares to which it
                  refers and that one or more TALISMAN transfer(s) in favour of
                  such person(s) in respect thereof is/are in the course of
                  registration, shall be treated by the Offeror and by SBC
                  Warburg and Wasserstein Perella as an acceptance valid in all
                  respects on the date of its actual receipt provided that, on
                  its presentation to East Midlands Electricity's registrars, it
                  is unconditionally accepted for registration.

         (f)      The Offer is made at 9.00 am on 22 November 1996 and is
                  capable of acceptance thereafter. Copies of this document, the
                  Form of Acceptance and any related documents are available
                  from The Royal Bank of Scotland plc, Registrars Department,
                  New Issues Section, at either of the addresses set out in
                  paragraph 3(a) above. The Offer is being made by means of this
                  document.

         (g)      The instructions, terms, provisions and authorities contained
                  in or deemed to be incorporated in the Form of Acceptance
                  constitute part of the terms of the Offer. Words and
                  expressions defined in this document have the same meanings
                  when used in the Form of Acceptance, unless the context
                  otherwise requires.

         (h)      The Offer and all acceptances thereof or pursuant thereto and
                  the relevant Form of Acceptance and all contracts made
                  pursuant thereto and action taken or made or deemed to be
                  taken or made under any of the foregoing shall be governed by
                  and construed in accordance with English law. Execution by or
                  on behalf of an East Midlands Electricity Shareholder of a
                  Form of Acceptance will constitute his submission, in relation
                  to all matters arising out of or in connection with the Offer
                  and the Form of Acceptance, to the jurisdiction of the courts
                  of England and his agreement that nothing shall limit the
                  right of the Offeror, SBC Warburg or Wasserstein Perella to
                  bring any action, suit or proceeding arising out of or in
                  connection with the Offer and the Form of Acceptance in any
                  other manner permitted by law or in any court of competent
                  jurisdiction.

         (i)      Any reference in this document and in the Form of Acceptance
                  to 13 December 1996 shall, except in paragraph 1(a) of this
                  Part B of this Appendix 1 and where the context otherwise
                  requires, be deemed, if the closing date of the Offer is
                  extended, to refer to the closing date of the Offer as so
                  extended.

         (j)      Any omission to despatch this document or the Form of
                  Acceptance or any notice required to be despatched under the
                  terms of the Offer to, or any failure to receive the same by,
                  any person to whom the Offer is made, or should be made, shall
                  not invalidate the Offer in any way. Subject to paragraph 6
                  below, the Offer extends to all East Midlands Electricity
                  Shareholders to whom this document, the Form of Acceptance and
                  any related documents may not be despatched and such persons
                  may collect copies of those documents from The Royal Bank of
                  Scotland plc, Registrars Department, New Issues Section, at
                  either of the addresses set out in paragraph 3(a) above.

         (k)      If the Offer does not become unconditional in all respects,
                  the Form of Acceptance and any share certificate(s) and/or
                  other document(s) of title will be returned by the Offeror by
                  post (or by such other method as may be approved by the Panel)
                  within 14 days of the Offer lapsing, at the risk of the East
                  Midlands Electricity Shareholder concerned, to the person or
                  agent whose name and address outside the US, Canada, Australia
                  or Japan is set out in Box 6 of the Form of Acceptance or, if
                  none is set out, to the first-named holder at the address
                  outside the US, Canada, Australia or Japan set out in Box 4 of
                  the Form of Acceptance or, if no address is set out, to the
                  first-named holder at his registered address. No such
                  documents will be sent to an address in the US, Canada,
                  Australia or Japan.

         (l)      All powers of attorney, appointments as agents and authorities
                  on the terms conferred by or referred to in this Appendix 1 or
                  in the Form of Acceptance are given by way of security for the
                  performance of the obligations of the East Midlands
                  Electricity Shareholder concerned and are irrevocable (in
                  respect of powers of attorney in accordance with Section 4 of
                  the Powers of Attorney Act 1971) except in the circumstances
                  where the donor of such power of attorney, appointment or
                  authority is entitled to withdraw his acceptance in accordance
                  with paragraph 3 of this Part B and duly does so.

                                       24

<PAGE>

         (m)      No acknowledgement of receipt of any Form of Acceptance, share
                  certificate(s) and/or other document(s) of title will be given
                  by or on behalf of the Offeror.

         (n)      Without prejudice to any other provision in this Part B of
                  this Appendix 1, the Offeror, SBC Warburg and Wasserstein
                  Perella reserve the right to treat acceptances of the Offer as
                  valid if received by or on behalf of any of them at any place
                  or places or in any manner determined by any of them otherwise
                  than as set out herein or in the Form of Acceptance.

         (o)      Notwithstanding the right reserved by the Offeror, SBC Warburg
                  and Wasserstein Perella to treat Forms of Acceptance as valid
                  even though not entirely in order or not accompanied by the
                  relevant share certificate(s) and/or other documents of title,
                  except as otherwise agreed with the Panel, an acceptance of
                  the Offer will only be counted towards fulfilling the
                  acceptance condition if the requirements of Note 4 and, if
                  applicable, Note 6 on Rule 10 of the Code are satisfied in
                  respect of it.

         (p)      Except as otherwise agreed with the Panel, a purchase of East
                  Midlands Electricity Shares by the Offeror or its nominees
                  (or, if the Offeror is required by the Panel to make an offer
                  for East Midlands Electricity Shares under the provisions of
                  Rule 9 of the Code, by a person acting in concert with the
                  Offeror (or its nominee)) shall be counted towards fulfilling
                  the acceptance condition only if the requirements of Note 5
                  and, if applicable, Note 6 on Rule 10 of the Code are
                  satisfied in respect of it.

         (q)      Except with the consent of the Panel, the Offer shall not
                  become or be declared unconditional unless the Royal Bank of
                  Scotland shall have issued a certificate to the Offeror, SBC
                  Warburg and Wasserstein Perella which states the number of
                  acceptances which have been received which comply with
                  paragraph 5(o) above and the number of East Midlands
                  Electricity Shares otherwise acquired, whether before or
                  during the Offer Period, which comply with paragraph 5(p)
                  above. Copies of such certificate will be sent to the Panel
                  and to East Midlands Electricity's financial adviser as soon
                  as possible after it is issued.

         (r)      All communications, notices, certificates, documents of title
                  and remittances to be delivered by or sent to or from any East
                  Midlands Electricity Shareholders will be delivered by or sent
                  to or from them (or their designated agents) at their risk.

         (s)      The Offeror, SBC Warburg and Wasserstein Perella reserve the
                  right to notify any matter (including the making of the Offer)
                  to all or any East Midlands Electricity Shareholder(s) with
                  (a) registered addresses outside the UK or whom the Offeror,
                  SBC Warburg and Wasserstein Perella know to be nominees,
                  custodians or trustees for such persons by announcement or
                  paid advertisement in any daily newspaper published and
                  circulated in the UK, in which case such notice shall be
                  deemed to have been sufficiently given notwithstanding any
                  failure by any such shareholders to receive such notice, and
                  all references in this document to notice in writing (other
                  than in paragraphs 3(a), 3(b), 3(c) and 3(e) of this Part B)
                  shall be construed accordingly.

         (t)      If sufficient acceptances are received, the Offeror intends to
                  apply the provisions of Sections 428 to 430F of the Act to
                  acquire compulsorily any outstanding East Midlands Electricity
                  Shares to which the Offer relates as defined in condition (a)
                  of Part A of this Appendix 1.

         (u)      Due completion of a Form of Acceptance will constitute an
                  instruction to the Offeror, on the Offer becoming
                  unconditional in all respects, that all mandates and other
                  instructions or notices recorded in East Midlands
                  Electricity's records immediately prior to the Offer becoming
                  so unconditional will, unless and until revoked or varied,
                  continue in full force in relation to the Loan Notes allotted
                  or issued to the relevant East Midlands Electricity
                  Shareholders pursuant to the Offer.

         (v)      All references in this Appendix 1 to any statute or statutory
                  provision shall include a statute or statutory provision which
                  amends, consolidates or replaces the same (whether before or
                  after the date hereof).

         (w)      The Loan Note Alternative will lapse if the Offer lapses or
                  expires. No Loan Notes will be issued unless valid elections
                  for the Loan Note Alternative are received for at least
                  (pound)10 million nominal amount of Loan Notes, or such
                  smaller amount as DR Investments may, in its absolute
                  discretion, decide, in which case any consideration due under
                  the terms of the Offer will be payable in cash.

                                       25
<PAGE>

6.      Overseas shareholders

        (a)       The making of the Offer in, or to persons resident in or
                  nationals or citizens of, jurisdictions outside the UK or who
                  are nominees of, or custodians, trustees or guardians for,
                  citizens or nationals of other countries ("overseas
                  shareholders") may be prohibited or affected by the laws of
                  the relevant jurisdictions. Such overseas shareholders should
                  inform themselves about and observe any applicable legal
                  requirements. It is the responsibility of any overseas
                  shareholder wishing to accept the Offer to satisfy himself as
                  to the full observance of the laws of the relevant
                  jurisdiction in connection therewith, including the obtaining
                  of any government, exchange control or other consents which
                  may be required, or the compliance with other necessary
                  formalities needing to be observed and the payment of any
                  issue, transfer or other taxes or duties due in such
                  jurisdiction. In particular, the Offeror, SBC Warburg and
                  Wasserstein Perella (and any person acting on behalf of any of
                  them) shall be entitled to be fully indemnified and held
                  harmless by such shareholders for any such issue, transfer or
                  other taxes or duties as the Offeror, SBC Warburg or
                  Wasserstein Perella (or any person acting on behalf of any of
                  them) may be required to pay.

                  In particular, the Offer is not being made, directly or
                  indirectly, in or into the US, or by use of the mails of, or
                  by any means or instrumentality of interstate or foreign
                  commerce of, or any facility of a national securities exchange
                  of, the United States, Canada, Australia or Japan. This
                  includes, but is not limited to, facsimile transmission, telex
                  and telephone. Accordingly, copies of this document, the Form
                  of Acceptance, the Chairman's Letter and any related offering
                  documents are not being, and must not be, mailed or otherwise
                  distributed or sent in, into or from the United States,
                  Canada, Australia or Japan including to East Midlands
                  Electricity Shareholders or participants in the East Midlands
                  Electricity Share Option Schemes with registered addresses in
                  the United States, Canada, Australia or Japan or to
                  custodians, trustees or nominees holding East Midlands
                  Electricity Shares for such persons. Persons receiving such
                  documents (including, without limitation, custodians, trustees
                  and nominees) must not distribute, send or mail them in, into
                  or from the United States, Canada, Australia or Japan, use the
                  United States, Canadian, Australian or Japanese mails or any
                  such means or instrumentality for any purpose, directly or
                  indirectly, in connection with the Offer, and so doing will
                  invalidate any related purported acceptance of the Offer.
                  Delivery of East Midlands Electricity ADRs will not constitute
                  valid acceptance of the Offer. Persons wishing to accept the
                  Offer must not use the United States, Canadian, Australian or
                  Japanese mails or any such means or instrumentality for any
                  purpose directly or indirectly related to acceptance of the
                  Offer. Envelopes containing Forms of Acceptance should not be
                  postmarked in the United States, Canada, Australia or Japan or
                  otherwise despatched from the United States, Canada, Australia
                  or Japan and all acceptors must provide addresses outside the
                  United States, Canada, Australia or Japan for the receipt of
                  Loan Notes and/or the remittance of cash, or for the return of
                  Forms of Acceptance, East Midlands Electricity Share
                  certificates and/or other documents of title.

                  An East Midlands Electricity Shareholder will be deemed not to
                  have accepted the Offer if: (1) he is unable to give the
                  representations and warranties set out in paragraphs (b) and
                  (d) of Part C of this Appendix 1; (2) having completed Box 4
                  of the Form of Acceptance with a registered address in the
                  United States, Canada, Australia or Japan he does not insert
                  in Box 6 of the Form of Acceptance the name and address of a
                  person or agent outside the United States, Canada, Australia
                  or Japan to whom he wishes the consideration to which he is
                  entitled under the Offer to be sent; (3) he inserts in Box 6
                  of the Form of Acceptance the name and address of a person or
                  agent in the United States, Canada, Australia or Japan to whom
                  he wishes the consideration to which he is entitled under the
                  Offer to be sent; or (4) in any case, the Form of Acceptance
                  received from him is received in an envelope postmarked in, or
                  which otherwise appears to the Offeror or its agents to have
                  been sent from, the United States, Canada, Australia or Japan.
                  The Offeror reserves the right, in its sole discretion, to
                  investigate, in relation to any acceptance, whether the
                  representations and warranties set out in paragraphs (b) and
                  (d) of Part C of this Appendix 1 given by any East Midlands
                  Electricity Shareholder are correct and, if such investigation
                  is made and, as a result, the Offeror cannot satisfy itself
                  that such representations and warranties are correct, such
                  acceptance shall not be valid.

                  If, in connection with the making of the Offer,
                  notwithstanding the restrictions described above, any person
                  (including, without limitation, custodians, nominees and
                  trustees),

                                       26
<PAGE>

                  whether pursuant to a contractual or legal obligation or
                  otherwise, forwards this document, the Form of Acceptance, or
                  any related offering documents, in, into or from the United
                  States, Canada, Australia or Japan or uses the mails of, or
                  any means or instrumentality (including without limitation,
                  facsimile transmission, telex and telephone) of interstate or
                  foreign commerce of, or any facility of a national securities
                  exchange of, the United States, Canada, Australia or Japan in
                  connection with such forwarding, such person should (i) inform
                  the recipient of such fact; (ii) explain to the recipient that
                  such action will invalidate any purported acceptance by the
                  recipient; and (iii) draw the attention of the recipient to
                  this paragraph 6(a).

         (b)      The availability of the Loan Notes to overseas shareholders
                  may be affected by the laws of the relevant jurisdictions.
                  Such overseas shareholders should inform themselves about and
                  observe any applicable legal requirements. It is the
                  responsibility of any overseas shareholder wishing to elect
                  for the Loan Note Alternative to satisfy himself as to the
                  full observance of the laws of the relevant jurisdiction in
                  connection therewith, including the obtaining of any
                  governmental or other consents which may be required,
                  compliance with other formalities needing to be observed and
                  payment of any issue, transfer or other taxes or duties due in
                  such jurisdiction.

                  The Loan Notes to be issued pursuant to the Offer have not
                  been, and will not be, registered under the United States
                  Securities Act of 1933, as amended, or under any of the
                  relevant securities laws of Canada, Australia or Japan.
                  Accordingly such securities may not be offered, sold or
                  delivered, directly or indirectly, in or into the United
                  States, Canada, Australia or Japan. Thus, the Offeror will not
                  issue Loan Notes or authorise the delivery of any document(s)
                  of title in respect of any Loan Notes falling to be allotted
                  pursuant to the Offer to (a) any person who is, or whom the
                  Offeror has reason to believe is, a Restricted Overseas Person
                  or (b) any person who will, or whom the Offeror has reason to
                  believe will, hold or acquire any of the Loan Notes for the
                  account or benefit of any Restricted Overseas Person or with a
                  view to the offer, sale, delivery or distribution, directly or
                  indirectly, of any such Loan Notes in or into the United
                  States, Canada, Australia or Japan or to or for the account or
                  benefit of any Restricted Overseas Person or (c) any person
                  with a registered address in the United States, Canada, Japan
                  or Australia or (d) any person who by inserting "No" in Box 5
                  of the Form of Acceptance does not give the representations
                  and warranties set out in paragraph (d) of Part C of this
                  Appendix 1.

         (c)      These provisions and any other terms of the Offer relating to
                  overseas shareholders may be waived, varied or modified as
                  regards specific East Midlands Electricity Shareholders or on
                  a general basis by the Offeror in its absolute discretion.
                  Subject thereto, the provisions of this paragraph 6 supersede
                  any terms of the Offer inconsistent therewith. References in
                  this paragraph 6 to an East Midlands Electricity Shareholder
                  include references to the person or persons executing a Form
                  of Acceptance and, in the event of more than one person
                  executing the Form of Acceptance, the provisions of this
                  paragraph 6 shall apply to them jointly and severally.

                                       27
<PAGE>


PART C:  FORM OF ACCEPTANCE

Each holder of East Midlands Electricity Shares by whom, or on whose behalf, the
Form of Acceptance is executed and received by the Receiving Agent, or by or on
behalf of the Offeror, SBC Warburg or Wasserstein Perella, irrevocably
undertakes, represents, warrants and agrees to and with the Offeror, SBC Warburg
and Wasserstein Perella (so as to bind him, his personal representatives, heirs,
successors and assigns) to the following effect:

        (a) that the execution of the Form of Acceptance, whether or not any
            other Boxes are completed, shall constitute:

            (i)      an acceptance of the Offer in respect of the relevant East
                     Midlands Electricity Shareholder's entire holding of East
                     Midlands Electricity Shares (or such lesser number as may
                     have been inserted in Box 1 of the Form of Acceptance,
                     provided that if a number is inserted in Box 1 which
                     exceeds such shareholder's holding of East Midlands
                     Electricity Shares, the acceptance will be deemed to have
                     been made in respect of that shareholder's entire holding
                     of East Midlands Electricity Shares);

            (ii)     if Box 2 is completed, an election under the Loan Note
                     Alternative to receive Loan Notes instead of such
                     proportion of the cash amount which the relevant East
                     Midlands Electricity Shareholder would otherwise have
                     received under the basic terms of the Offer as corresponds
                     to the number inserted (or deemed to have been inserted) in
                     Box 2 divided by the relevant East Midlands Electricity
                     Shareholder's entire holding of East Midlands Electricity
                     Shares (or divided by such lesser number as may have been
                     inserted or deemed to be inserted in Box 1 of the Form of
                     Acceptance); and

            (iii)    an undertaking to execute any further documents and give
                     any further assurances which may be required to enable the
                     Offeror to obtain the full benefit of the terms of this
                     Part C of this Appendix 1 and/or to perfect any of the
                     authorities expressed to be given hereunder,

                     in each case on and subject to the terms and conditions set
                     out or referred to in this document and in the Form of
                     Acceptance and that, subject only to the rights of
                     withdrawal set out or referred to in paragraph 3 of Part B
                     of this Appendix 1, each such acceptance and election shall
                     be irrevocable;

        (b) that (i) this document, the Form of Acceptance and any related
            offering documents have not been mailed or otherwise distributed or
            sent (directly or indirectly) in, into, or from the United States,
            Canada, Australia or Japan or any other jurisdiction where such
            actions may constitute a breach of any legal or regulatory
            requirements of such jurisdiction; (ii) in connection with the
            Offer, there has been no use, directly or indirectly, of the mails
            of, or any means or instrumentality (including, without limitation,
            electronic mail, or any electronic publication or advertisement,
            facsimile transmission, telex and telephone) of interstate or
            foreign commerce of, or any facility of a national securities
            exchange of, the United States, Canada, Australia or Japan; (iii)
            such East Midlands Electricity Shareholder was outside the United
            States, Canada, Australia and Japan when the Form of Acceptance was
            sent and at the time of accepting the Offer; and (iv) in respect of
            the East Midlands Electricity Shares to which the Form of Acceptance
            relates, such East Midlands Electricity Shareholder is not an agent
            or a fiduciary acting on a non-discretionary basis for a principal,
            unless such agent or fiduciary is an authorised employee of such
            principal or such principal has given any instructions with respect
            to the Offer from outside the United States, Canada, Australia and
            Japan;

        (c) that if such accepting East Midlands Electricity Shareholder is not
            resident in the United Kingdom he has observed the laws of all
            relevant territories, obtained any requisite governmental or other
            consents, complied with all requisite formalities and paid any
            issue, transfer or other taxes due from him, in connection with such
            acceptance, in any territory and that he has not taken or omitted to
            take any action which will or may result in the Offeror, SBC
            Warburg, Wasserstein Perella or any other person acting in breach of
            the legal or regulatory requirements of any territory in connection
            with the Offer or his acceptance thereof;

        (d) if electing for the Loan Note Alternative and unless "No" has been
            inserted in Box 5 of the Form of Acceptance, that such East Midlands
            Electricity Shareholder is not a Restricted Overseas Person, does
            not hold any East Midlands Electricity Shares for or on behalf of a

                                       28
<PAGE>


            Restricted Overseas Person, will not hold or acquire any of the Loan
            Notes for the account or benefit of a Restricted Overseas Person or
            with a view to the offer, sale, delivery or distribution, directly
            or indirectly, of any Loan Notes in or into the United States,
            Canada, Australia or Japan or to or for the account or benefit of a
            Restricted Overseas Person and is lawfully entitled to make such
            election under the laws of any jurisdiction to which he is subject;

        (e) that the execution of the Form of Acceptance and its delivery to the
            Receiving Agent will constitute the irrevocable appointment of each
            director and authorised representative of the Offeror, SBC Warburg
            and Wasserstein Perella as such shareholder's attorney and/or agent
            (the "attorney") upon the terms of paragraph 4 of Part B of this
            Appendix 1 and this Part C and with the authority to execute any
            further documents and give any further assurances which may be
            required in connection with any matters referred to in Parts B and C
            of this Appendix 1 and an irrevocable undertaking with such attorney
            to execute any such further documents and/or give any such further
            assurances as may be required or expedient;

       (f)  that the execution of the Form of Acceptance and its delivery to the
            Receiving Agent will constitute, subject to the Offer becoming or
            being declared unconditional in all respects in accordance with its
            terms and to the person accepting the Offer not having validly
            withdrawn his acceptance, the irrevocable separate appointment of
            the Offeror, Wasserstein Perella and SBC Warburg and any director
            and authorised representative of the Offeror, Wasserstein Perella
            and SBC Warburg as such shareholder's attorney and/or agent (the
            "attorney") and an irrevocable instruction to the attorney to
            complete and execute all or any form(s) of transfer and/or other
            document(s) at the attorney's discretion in relation to the East
            Midlands Electricity Shares referred to in subparagraph (a)(i) of
            this Part C of this Appendix 1 in respect of which an accepting East
            Midlands Electricity Shareholder has not validly withdrawn his
            acceptance in favour of the Offeror or such other person or persons
            as the Offeror may direct and to deliver such form(s) of transfer
            and, where applicable, renunciation and/or other document(s) at the
            attorney's discretion together with the share certificate(s) and/or
            other document(s) of title relating to such East Midlands
            Electricity Shares for registration within six months of the Offer
            becoming or being declared unconditional in all respects and to
            execute all such other documents and to do all such other acts and
            things as may in the opinion of the attorney be necessary or
            expedient for the purposes of or in connection with the acceptance
            of the Offer and to vest in the Offeror or its nominee(s) the East
            Midlands Electricity Shares as aforesaid;

        (g) that the execution of the Form of Acceptance and its delivery to the
            Receiving Agent will constitute, subject to the Offer becoming
            unconditional in all respects and to the person accepting the Offer
            not having validly withdrawn his acceptance, an irrevocable
            authority and request:

            (i)      to East Midlands Electricity or its agents, to procure the
                     registration of the transfer of the East Midlands
                     Electricity Shares pursuant to the Offer and the delivery
                     of the share or stock certificate(s) and/or other
                     document(s) of title in respect thereof to the Offeror or
                     as it may direct;

            (ii)     to the Offeror, SBC Warburg or Wasserstein Perella or their
                     respective agents, to procure the despatch by post (or by
                     such other method as may be approved by the Panel) of a
                     cheque for any cash to which an accepting East Midlands
                     Electricity Shareholder may become entitled pursuant to his
                     acceptance of the Offer and/or, subject to the provisions
                     of paragraph 6 of Part B of this Appendix 1, any document
                     of title for any Loan Notes in respect of any election for
                     the Loan Note Alternative, at the risk of such East
                     Midlands Electricity Shareholder, to the person whose name
                     and address is set out in Box 6 of the Form of Acceptance
                     or, if none is set out, to the first-named holder at his
                     registered address (outside the United States, Canada,
                     Australia or Japan);

            (iii)    subject to the provisions of paragraph 6 of Part B of this
                     Appendix 1, to the Offeror or its agents to procure that
                     such shareholder's name is entered on the register of
                     holdings of Loan Notes in respect of any Loan Notes to
                     which such shareholder may become entitled under the Loan
                     Note Alternative (subject in each case to the terms of the
                     Loan Note Instrument constituting the Loan Notes);

        (h) that the Offeror shall be entitled after the Offer becomes
            unconditional in all respects (or if the Offer will become
            unconditional in all respects or lapse immediately upon the outcome

                                       29

<PAGE>

            of the resolution in question or in such other circumstances as the
            Panel may allow) to direct the exercise of any votes and any or all
            other rights and privileges (including the right to requisition the
            convening of a general or separate class meeting of East Midlands
            Electricity) attaching to any East Midlands Electricity Shares in
            respect of which the Offer has been accepted and not validly
            withdrawn, and the execution of the Form of Acceptance will
            constitute an irrevocable authority to East Midlands Electricity
            from such shareholder to send any notice, circular, warrant or other
            document or communication which may be required to be sent to him as
            a member of East Midlands Electricity in respect of such shares to
            the Offeror at its registered office, and an irrevocable authority
            to the Offeror or any person nominated by the Offeror to sign any
            consent to short notice of a general or separate class meeting as
            his attorney and/or agent and on his behalf and/or to execute a form
            of proxy in respect of such shares appointing any person nominated
            by the Offeror to attend general and separate class meetings of East
            Midlands Electricity and to exercise the votes attaching to such
            shares on his behalf, where relevant, such votes to be cast so far
            as possible to satisfy or assist directly or indirectly to satisfy
            any outstanding condition of the Offer, and will also constitute the
            agreement of such shareholder not to exercise any such rights
            without the consent of the Offeror and the irrevocable undertaking
            of such shareholder not to appoint a proxy for or to attend such
            general or separate class meeting. This authority will cease to be
            valid if the acceptance is withdrawn in accordance with paragraph 3
            of Part B of this Appendix 1;

        (i) that the East Midlands Electricity Shares in respect of which the
            Offer is accepted or deemed to be accepted will be acquired under
            the Offer free from all liens, equities, charges, encumbrances and
            other interests and together with all rights attaching thereto,
            including the right to receive and retain all dividends, interest
            and other distributions (if any) declared, made or paid after 12
            November 1996;

        (j) that he will deliver, or procure the delivery, to the Receiving
            Agent at The Royal Bank of Scotland plc, Registrars Department, New
            Issues Section, either by post or by hand at PO Box 859, Consort
            House, East Street, Bedminster, Bristol BS99 1XZ or by hand only at
            PO Box 633, 5-10 Great Tower Street, London EC3R 5ER of his share
            certificate(s) and/or other document(s) of title in respect of the
            East Midlands Electricity Shares in respect of which the Offer has
            been accepted, or an indemnity acceptable to the Offeror in lieu
            thereof, as soon as possible and in any event within six months of
            the Offer becoming unconditional in all respects;

        (k) that, if he accepts the Offer, he shall do all such acts and things
            whatsoever as shall be necessary or expedient to vest in the Offeror
            or its nominees the East Midlands Electricity Shares referred to in
            paragraph (a)(i) of this Part C;

        (l) that he agrees to ratify each and every act or thing which may be
            done or effected by, or by any director of, or person authorised by,
            the Offeror, SBC Warburg or Wasserstein Perella in exercise of any
            of the powers and/or appointments and/or authorities hereunder;

        (m) that, if any provisions of Part B or this Part C of this Appendix 1
            shall be unenforceable or invalid or shall not operate so as to
            afford the Offeror, SBC Warburg or Wasserstein Perella or any of
            their respective directors or authorised representatives the benefit
            of the authority expressed to be given therein or herein, he shall,
            with all practicable speed, do all such acts and things and execute
            all such documents that may be required or desirable to enable the
            Offeror and/or Wasserstein Perella and/or SBC Warburg and/or any of
            their respective directors or authorised representatives to secure
            the full benefit of Part B and this Part C of this Appendix 1;

        (n) that the terms and conditions of the Offer shall be deemed to be
            incorporated in, and form part of, the Form of Acceptance, which
            shall be read and construed accordingly; and

        (o) that the execution of the Form of Acceptance constitutes his
            submission, in relation to all matters arising out of the Offer and
            the Form of Acceptance, to the jurisdiction of the Courts of
            England.

        References in this Part C of this Appendix 1 to a holder of East
        Midlands Electricity Shares shall include references to the person or
        persons executing the Form of Acceptance and, in the event of more than
        one person executing a Form of Acceptance, the provisions of this Part C
        of this Appendix 1 shall apply to them jointly and to each of them. On
        execution, the Form of Acceptance shall take effect as a Deed.

                                       30
<PAGE>

                                   APPENDIX 2


                         PARTICULARS OF THE LOAN NOTES

The Floating Rate Unsecured Loan Notes 2007 of the Offeror will be created by a
resolution of the Board of Directors of the Offeror (or a duly authorised
committee thereof) and will be constituted by a Loan Note Instrument (the "Loan
Note Instrument") to be entered into by the Offeror. The issue of the Loan Notes
will be conditional on the Offer becoming or being declared unconditional in all
respects. Elections for the Loan Note Alternative in respect of all the East
Midlands Electricity Shares to which the Offer relates would involve the issue
of a maximum nominal amount of approximately (pound)1.3 billion of Loan Notes.
The Loan Note Instrument will contain provisions, inter alia, to the effect set
out below.

1. Form and Status

   The Loan Notes will be issued by the Offeror in amounts and integral
   multiples of (pound)1 and will constitute unsecured and unguaranteed
   obligations of the Offeror and any fractional entitlements will be
   disregarded and not paid. The Loan Note Instrument will not contain any
   restrictions on borrowings, disposals or charging of assets by the Offeror.

2. Interest

   (a) Interest on the Loan Notes will be calculated on the basis of a 365 day
       year and will be payable (subject to any requirement to deduct tax
       therefrom) yearly on 31 March in each year (interest payment dates) in
       respect of the interest periods (as defined below) ending on the day
       immediately before those dates at a rate calculated as provided in
       subparagraph 2(b) (or, if applicable, subparagraph 2(c)) below, except
       that the first payment of interest on the Loan Notes, which will be made
       on 31 March 1998, will be in respect of the period from (and including)
       the first date of issue of any of the Loan Notes to (but excluding) 31
       March 1998. The period from (and including) the first date of issue of
       any Loan Notes to (but excluding) 31 March 1998 and the period from (and
       including) 31 March 1998 or any subsequent interest payment date to (but
       excluding) the next following interest payment date is herein called an
       interest period.

       If any interest would otherwise fall to be paid on a day which is not a
       business day, such interest shall be paid on the next succeeding business
       day.

   (b) The rate of interest on the Loan Notes for each interest period will be
       the rate per annum calculated by the Offeror to be 1% per annum below the
       LIBOR rate for twelve month sterling deposits of (pound)5 million in the
       London Interbank market at or about 11 am (London time) on the first day
       of the relevant interest period or, if such a day is not a business day,
       on the preceding business day, as quoted by a duly authorised official of
       Barclays Bank PLC (or if Barclays Bank PLC is unable to quote such rate,
       such other reference bank selected by the Offeror for the purpose). For
       these purposes, reference banks will be those banks that are, as at the
       date of execution of the Loan Note Instrument, members of CHAPS Clearing
       Company Limited.

   (c) If a rate of interest cannot be established in accordance with the
       provisions of subparagraph 2(b) above for any interest period, then the
       rate of interest on the Loan Notes for such interest period shall be
       calculated by reference to such rate as the Offeror shall determine on
       the basis of quotations made for twelve month sterling deposits of
       similar size in any such other appropriate interbank market or markets as
       the Offeror may select.

3. Redemption of Loan Notes

   (a) On 31 March 1998 and thereafter on any interest payment date falling
       prior to 31 March 2007, a holder of Loan Notes ("Noteholder") shall be
       entitled to require the Offeror to redeem the whole (whatever the amount)
       or any part (being (pound)100 nominal amount or any integral multiple
       thereof) of the principal amount outstanding from time to time on his
       holding of Loan Notes for cash at par, together with accrued interest
       (subject to any requirement to deduct tax therefrom) to (but excluding)
       the date of payment, by giving not less than 30 days' notice in writing
       (which shall be irrevocable) to the Offeror (in the form endorsed on the
       Loan Note certificate) expiring on or before such interest payment

                                       31
<PAGE>


       date accompanied by the certificate(s) for all the Loan Notes to be
       redeemed, provided that no such notice may be given in respect of any
       Loan Notes in respect of which notice of redemption has previously been
       given by the Offeror in accordance with subparagraph 3(b) below.

   (b) If, at any time, the nominal amount of all Loan Notes outstanding is (i)
       20% or less of the total nominal amount of Loan Notes issued pursuant to
       the Loan Note Alternative and (ii) less than (pound)10 million, the
       Offeror shall have the right on giving to the remaining Noteholders not
       less than 30 days' notice in writing expiring on 31 March 1999 (or, if
       that is not a business day, the next succeeding business day) or on any
       subsequent interest payment date to redeem all (but not some only) of the
       outstanding Loan Notes by payment of the nominal amount thereof together
       with accrued interest (subject to any requirement to deduct tax
       therefrom) to (but excluding) the date of redemption.

   (c) Any Loan Notes not previously repaid, redeemed or purchased and cancelled
       will be redeemed in full at par on 31 March 2007 (or, if that is not a
       business day, the next succeeding business day) together with accrued
       interest (subject to any requirement to deduct tax therefrom) to (but
       excluding) that date.

   (d) Each Noteholder shall be entitled to require all or any part (being
       (pound)100 nominal amount or any integral multiple thereof) of the Loan
       Notes held by him to be repaid at par together with accrued interest
       (subject to any requirement to deduct tax therefrom) if:

       (i)       any principal or interest on any of the Loan Notes held by that
                 Noteholder shall fail to be paid in full within 30 days after
                 the due date for payment thereof; or

       (ii)      an order is made or an effective resolution is passed for the
                 winding up or dissolution of the Offeror (other than for the
                 purposes of a reconstruction or an amalgamation or a members'
                 voluntary winding up on terms previously approved by an
                 Extraordinary Resolution of the Noteholders (as defined in the
                 Loan Note Instrument)); or

       (iii)     an encumbrancer takes possession of or a trustee, receiver,
                 administrator or similar officer is appointed or an
                 administration order is made in respect of the Offeror or in
                 respect of the whole or substantially the whole of the
                 undertaking of the Offeror and such person has not been paid
                 out or discharged within 30 days.

4. Purchase of Loan Notes

The Offeror will be entitled at any time to purchase Loan Notes at any price by
tender (available to all Noteholders alike), private treaty or otherwise by
agreement with the relevant Noteholder(s).

5. Cancellation

Any Loan Notes redeemed under paragraph 3 above or purchased by the Offeror
under paragraph 4 above shall be cancelled and shall not be available for
reissue.

6. Modifications

The provisions of the Loan Note Instrument and the rights of the Noteholders
will be subject to modification, abrogation or compromise in any respect with
the sanction of an Extraordinary Resolution of the Noteholders, as defined in
the Loan Note Instrument, but subject to the consent of the Offeror.

7. Substitution or exchange

The Loan Notes will contain provisions entitling the Offeror, without the
consent of Noteholders, to substitute DR Unlimited (an unlimited liability
company incorporated in England and Wales and the holding company of the
Offeror) or any other member of the Dominion Resources Group resident in the UK
for tax purposes as the principal debtor under the Loan Note Instrument and the
Loan Notes or to require all or any of the Noteholders to exchange their Loan
Notes for loan notes issued on the same terms mutatis mutandis by DR Unlimited
or such other member provided in either case that the Offeror guarantees DR
Unlimited's or such other member's obligations thereunder. References to the
Offeror in this summary shall be construed accordingly. The Offeror's right to
require substitution or exchange

                                       32
<PAGE>


will be exercisable only if such substitution or exchange will not be treated as
a disposal of the Loan Notes for the purposes of UK taxation of chargeable
gains.

8. Registration and Transfer

The Loan Notes will be evidenced by certificates and will be registered in
amounts and integral multiples of (pound)1 nominal amount. The Loan Notes will
be transferable in amounts or integral multiples of (pound)1 nominal amount,
provided that transfers will not be registered during the 14 days immediately
preceding any interest payment date or while the register of Noteholders is
closed.

9. Prescription

Noteholders will cease to be entitled to amounts in respect of interest which
remain unclaimed for a period of five years and to amounts due in respect of
principal which remain unclaimed for a period of ten years, in each case from
the date on which the relevant payment first becomes due.

10. No Listing

No application has been made or is intended to be made to any stock exchange for
the Loan Notes to be listed or dealt in.

11. No Registration

The Loan Notes have not been and will not be registered under the United States
Securities Act of 1933, as amended, or under the securities laws of any State of
the United States, no relevant clearances have been, or will be, obtained from
the securities commission of any province of Canada, no prospectus has been, or
will be, lodged with the Australian Securities Commission and no steps have been
taken, nor will any be taken, to enable the Loan Notes to be offered in
compliance with applicable securities laws of Japan. Accordingly, the Loan Notes
may not be offered, sold, resold, delivered or distributed (directly or
indirectly) in or into the United States (except in transactions exempt from, or
not subject to, the registration requirements of the Securities Act), Canada,
Australia or Japan nor to or for the account or benefit of any Restricted
Overseas Person.

12. Governing Law

The Loan Notes and the Loan Note Instrument will be governed by and construed in
accordance with English law.
                                       33

<PAGE>
                                   APPENDIX 3

                  FINANCIAL AND OTHER INFORMATION RELATING TO
                               DOMINION RESOURCES

Nature of financial information

The financial information contained in this Appendix 3 is extracted from the
audited consolidated accounts of Dominion Resources for the three years ended 31
December 1995, on which the audit opinions were unqualified, and from the
unaudited quarterly statement for the period ended 30 September 1996.

1. Directors of Dominion Resources

   Thomas E. Capps             Chairman, President and Chief Executive Officer

   John B. Adams Jr.           Director

   John B. Bernhardt           Director

   Benjamin J. Lambert, III    Director

   Richard L. Leatherwood      Director

   Harvey L. Lindsay Jr.       Director

   Kenneth A. Randall          Director

   William T. Roos             Director

   Frank S. Royal              Director

   Judith B. Sack              Director

   S. Dallas Simmons           Director

   Robert H. Spilman           Director


2. Principal and registered office of Dominion Resources

The principal and registered office of Dominion Resources is at Riverfront Plaza
- - West Tower, 901 East Byrd Street, Richmond, Virginia 23219-4069, United States
of America.

                                       34
<PAGE>

3. Financial Statements
(a) Consolidated statements of income

<TABLE>
<CAPTION>

                                                                     Years ended 31 December
                                                                  1995           1994           1993
                                                          ($ millions)   ($ millions)   ($ millions)
                                                          ------------   ------------   ------------

<S> <C>
Operating revenues and income:
  Electric utility                                             4,350.4        4,170.8        4,187.3
  Nonutility                                                     301.3          320.3          246.6
                                                          ------------   ------------   ------------
Total operating revenues and income                            4,651.7        4,491.1        4,433.9
                                                          ------------   ------------   ------------
Operating expenses:
  Fuel, net                                                    1,006.9          973.0          959.5
  Purchased power capacity, net                                  688.4          669.4          646.1
  Restructuring                                                  121.5              -              -
  Other operation                                                724.0          739.6          647.8
  Maintenance                                                    260.5          263.2          279.5
  Depreciation, depletion and amortisation                       551.0          533.1          509.5
  Other taxes                                                    273.8          274.6          264.2
                                                          ------------   ------------   ------------
Total operating expenses                                       3,626.1        3,452.9        3,306.6
                                                          ------------   ------------   ------------
Operating income                                               1,025.6        1,038.2        1,127.3
Other income                                                       7.3           13.5           15.1
                                                          ------------   ------------   ------------
Income before fixed charges and federal income taxes           1,032.9        1,051.7        1,142.4
                                                          ------------   ------------   ------------
Fixed charges:
Interest charges, net                                            381.7          360.3          373.5
Preferred dividends of Virginia Power                             44.1           42.2           42.1
                                                          ------------   ------------   ------------
Total fixed charges                                              425.8          402.5          415.6
                                                          ------------   ------------   ------------
Income before provision for federal income taxes                 607.1          649.2          726.8
Provision for federal income taxes                               182.1          171.0          210.2
                                                          ------------   ------------   ------------
Net income                                                       425.0          478.2          516.6
                                                          ============   ============   ============
</TABLE>

<TABLE>
<CAPTION>

Common Stock Data:

<S> <C>
Average number of shares of common stock
     outstanding (in millions)                                   173.8          170.3          165.7
Earnings per common share                                        $2.45          $2.81          $3.12
Dividends paid per common share                                  $2.58          $2.55          $2.48
</TABLE>

(b) Consolidated statements of retained earnings

<TABLE>
<CAPTION>
                                                                     Years ended 31 December
                                                                  1995           1994            1993
                                                          ($ millions)   ($ millions)    ($ millions)
                                                          ------------   ------------    ------------
<S> <C>

Net income                                                      425.0          478.2            516.6
Retained earnings as at 1 January                             1,455.2        1,417.8          1,319.1
Common dividends and other deductions:
Dividends                                                      (448.7)        (434.7)          (411.2)
Other deductions                                                 (3.9)          (6.1)            (6.7)
                                                          -----------    -----------     ------------

Retained earnings as at 31 December                           1,427.6        1,455.2          1,417.8
                                                          ===========    ===========     ============
</TABLE>
                                       35
<PAGE>

(c) Consolidated balance sheet

<TABLE>
<CAPTION>

                                                                   At 31 December
                                                                             1995
Assets                                                               ($ millions)
                                                                     ------------
<S> <C>

Current assets:
  Cash and cash equivalents                                                  66.7
  Trading securities                                                         10.8
  Customer accounts receivable, net                                         362.6
  Other accounts receivable                                                 104.2
  Accrued unbilled revenues                                                 179.5
Materials and supplies at average cost or less
  Plant and general                                                         160.2
  Fossil fuel                                                                71.2
  Other                                                                     141.5
                                                                     ------------
                                                                          1,096.7
                                                                     ------------
Investments:
  Investments in affiliates                                                 436.2
  Available-for-sale securities                                             285.5
  Nuclear decommissioning trust funds                                       351.4
  Investments in real estate                                                133.0
  Other                                                                     236.6
                                                                     ------------
                                                                          1,442.7
                                                                     ------------
Property, plant and equipment:
(includes plant under construction of $512.1)                            15,977.4
  Less accumulated depreciation, depletion and amortisation

                                                                          5,655.1
                                                                     ------------
                                                                         10,322.3
                                                                     ------------
Deferred charges and other assets:
  Regulatory assets                                                         816.4
  Other                                                                     225.2
                                                                     ------------
                                                                          1,041.6
Total assets                                                         ------------
                                                                         13,903.3
                                                                     ============
</TABLE>
                                       36
<PAGE>

<TABLE>
<CAPTION>


                                                                     At 31 December
                                                                               1995
Liabilities and shareholders' equity                                   ($ millions)
                                                                     --------------
<S> <C>
Current liabilities:
  Securities due within one year                                             420.8
  Short-term debt                                                            236.6
  Accounts payable, trade                                                    336.7
  Accrued interest                                                           110.5
  Accrued payrolls                                                            77.7
  Severance costs accrued                                                     42.5
  Customer deposits                                                           55.4
  Other                                                                      114.0
                                                                     -------------
                                                                           1,394.2
                                                                     -------------
Long-term debt:
  Utility                                                                  3,889.4
  Nonrecourse-nonutility                                                     523.5
  Other                                                                      199.0
                                                                     -------------
                                                                           4,611.9
                                                                     -------------
Deferred credits and other liabilities:
  Deferred income taxes                                                    1,661.1
  Investment tax credits                                                     272.2
  Deferred fuel expenses                                                      57.7
  Other                                                                      340.2
                                                                     -------------
                                                                           2,331.2
                                                                     -------------
Total liabilities                                                          8,337.3
                                                                     -------------
Commitments and contingencies
Virginia Power obligated mandatorily redeemable
  preferred securities of subsidiary trust*                                  135.0
                                                                     -------------
Preferred stock:
  Virginia Power stock subject to mandatory redemption                       180.0
                                                                   -------------
  Virginia Power stock not subject to mandatory redemption                   509.0
                                                                     -------------
Common shareholders' equity:
  Common stock-no par authorised 300,000,000 shares,
    outstanding-176,414,110 shares at 1995                                 3,303.5
  Retained earnings                                                        1,427.6
  Allowance on available-for-sale securities                                  (6.7)
  Other paid-in capital                                                       17.6
                                                                     -------------
                                                                           4,742.0
                                                                     -------------
Total liabilities and shareholders' equity                                13,903.3
                                                                     =============
</TABLE>

*As described in Note (xii), the 8.05% Junior Subordinated Notes totalling
$139.2 million principal amount constitute 100% of the Trust's assets.

                                       37
<PAGE>


(d) Consolidated stat