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<SEC-DOCUMENT>0000007332-01-000032.txt : 20010402
<SEC-HEADER>0000007332-01-000032.hdr.sgml : 20010402
ACCESSION NUMBER:		0000007332-01-000032
CONFORMED SUBMISSION TYPE:	10-K405
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20001231
FILED AS OF DATE:		20010330

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SOUTHWESTERN ENERGY CO
		CENTRAL INDEX KEY:			0000007332
		STANDARD INDUSTRIAL CLASSIFICATION:	NATURAL GAS TRANSMISSION & DISTRIBUTION [4923]
		IRS NUMBER:				710205415
		STATE OF INCORPORATION:			AR
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K405
		SEC ACT:		
		SEC FILE NUMBER:	001-08246
		FILM NUMBER:		1585537

	BUSINESS ADDRESS:	
		STREET 1:		1083 SAIN ST
		STREET 2:		P O BOX 1408
		CITY:			FAYETTEVILLE
		STATE:			AR
		ZIP:			72702-1408
		BUSINESS PHONE:		5015211141

	MAIL ADDRESS:	
		STREET 1:		1083 SAIN ST
		STREET 2:		P O BOX 1408
		CITY:			FAYETTEVILLE
		STATE:			AR
		ZIP:			72702-1408

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ARKANSAS WESTERN GAS CO
		DATE OF NAME CHANGE:	19790917
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K405
<SEQUENCE>1
<FILENAME>0001.txt
<DESCRIPTION>ANNUAL REPORT FOR THE YEAR ENDED DECEMBER 31, 2000
<TEXT>

================================================================================
                       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, 2000
                                        -----------------
                                       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 1-8246

                           Southwestern Energy Company
             (Exact name of Registrant as specified in its charter)

                  ARKANSAS                                  71-0205415
     (State or other jurisdiction of                     (I.R.S. Employer
      incorporation or organization)                    Identification No.)

        2350 N. Sam Houston Parkway East, Suite 300, Houston, Texas 77032
            (Address of principal executive offices, including zip code)

       Registrant's telephone number, including area code: (281) 618-4700

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

                                                      Name of each exchange
        Title of each class                            on which registered
    -----------------------------                    -----------------------
    Common Stock - Par Value $.10                    New York Stock Exchange

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

         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  Exchange  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 the voting stock held by  non-affiliates
of the  Registrant  was $271,006,029  based on the  New York  Stock  Exchange --
Composite Transactions closing price on March 8, 2001, of $10.95.

         The  number  of  shares  outstanding  as  of  March  8,  2001,  of  the
Registrant's Common Stock, par value $.10, was 25,188,574.

                       DOCUMENTS INCORPORATED BY REFERENCE

         Document  incorporated  by reference and the Part of the Form 10-K into
which the document is incorporated: Definitive Proxy Statement to holders of the
Registrant's  Common Stock in connection with the  solicitation of proxies to be
used in voting at the Annual Meeting of Shareholders on May 17, 2001 - PART III.
================================================================================
<PAGE>
SOUTHWESTERN ENERGY COMPANY
ANNUAL REPORT on FORM 10-K
For the Year Ended December 31, 2000
<TABLE>
<CAPTION>
TABLE OF CONTENTS                                                         Page
<S>          <C>                                                           <C>
Part I
Item 1.      Business                                                       3
             Business Strategy                                              3
             Exploration and Production                                     3
             Natural Gas Distribution                                      11
             Marketing and Transportation                                  14
             Other Items                                                   16
Item 2.      Properties                                                    17
Item 3.      Legal Proceedings                                             18
Item 4.      Submission of Matters to a Vote of Security Holders           19
             Executive Officers of the Registrant                          20

Part II
Item 5.      Market for Registrant's Common Equity and Related
             Stockholder Matters                                           21
Item 6.      Selected Financial Data                                       22
Item 7.      Management's Discussion and Analysis of Financial
             Condition and Results of Operations                           24
Item 7.A.    Quantitative and Qualitative Disclosure About Market Risks    34
Item 8.      Financial Statements and Supplementary Data                   37
Item 9.      Changes in and Disagreements with Accountants on
             Accounting and Financial Disclosure                           60

Part III
Item 10.     Directors and Executive Officers of the Registrant            60
Item 11.     Executive Compensation                                        60
Item 12.     Security Ownership of Certain Beneficial Owners
             and Management                                                61
Item 13.     Certain Relationships and Related Transactions                61

Part IV
Item 14.     Exhibits, Financial Statement Schedules, and Reports
             on Form 8-K                                                   61
</TABLE>
                                       2
<PAGE>
Part I

ITEM 1. BUSINESS

         Southwestern  Energy  Company (the "Company" or  "Southwestern")  is an
energy company primarily focused on natural gas. The Company was incorporated in
Arkansas in 1929 as a local gas distribution company. Today,  Southwestern is an
exempt holding  company under the Public Utility Holding Company Act of 1935 and
derives the vast majority of its operating income and cash flow from its oil and
gas  exploration  and  production  business.  The  Company  is  involved  in the
following business segments:

1.       Exploration   and   Production   -  Engaged  in  natural  gas  and  oil
         exploration,  development and production,  with operations  principally
         located in Arkansas,  Oklahoma,  Texas, New Mexico, and Louisiana. This
         represents the Company's primary business.
2.       Natural Gas Distribution - Engaged in  the gathering,  distribution and
         transmission of natural gas to approximately
         136,000 customers in Arkansas.
3.       Marketing and  Transportation - Provides  marketing and  transportation
         services  in the  Company's  core  areas  of  operation  and owns a 25%
         interest in the NOARK Pipeline System, Limited Partnership (NOARK).

         This Report on Form 10-K includes certain statements that may be deemed
to be  "forward-looking  statements"  within the  meaning of Section  27A of the
Securities Act of 1933 and Section 21E of the  Securities  Exchange Act of 1934.
See "Management's  Discussion and Analysis of Financial Condition and Results of
Operations"  in Part II, Item 7 of this Report for a discussion  of factors that
could cause actual results to differ  materially  from any such  forward-looking
statements.

Business Strategy
         The Company's  business strategy is to provide long-term growth through
focused  exploration and production of oil and natural gas. The Company seeks to
maximize  cash flow and  earnings and provide  consistent  growth in oil and gas
production and reserves through the discovery,  production and marketing of high
margin  reserves  from a balanced  portfolio  of  drilling  opportunities.  This
balanced portfolio  includes low risk development  drilling in the Arkoma Basin,
moderate risk  exploration and exploitation in the Permian Basin and east Texas,
and high potential exploration opportunities in the onshore Gulf Coast.

         Additionally,  the Company creates additional value through its natural
gas  distribution,   marketing  and  transportation  activities.   During  2000,
Southwestern  announced  its  intent  to  sell  its gas  distribution  business.
However,  the Company has not  received an offer that it believes  reflects  the
true value of the utility  system.  Accordingly,  Southwestern  will continue to
hold and operate these assets. The Company further enhances shareholder value by
creating  and  capturing  additional  value  beyond  the  wellhead  through  its
marketing and transportation activities.

EXPLORATION AND PRODUCTION

         In 1943, the Company commenced a program of exploration and development
of natural  gas  reserves in Arkansas  for supply to its utility  customers.  In
1971,  the Company  initiated an exploration  and  development  program  outside
Arkansas,  unrelated  to  the  utility's  requirements.  Since  that  time,  the
Company's exploration and development  activities outside Arkansas have expanded
substantially.

                                       3
<PAGE>
         During 1998,  Southwestern  brought in new senior operating  management
and  replaced  over  50% of its  professional  technical  staff to  refocus  its
exploration and production segment. Additionally in 1998, the Company closed its
Oklahoma  City office and moved  these  operations  to its Houston  office in an
effort to increase future  profitability.  The segment was also reorganized into
asset  management  teams to provide an area specific  focus in  exploration  and
development projects and a new incentive compensation system was put in place to
more  closely   align  its   employees'   efforts  with  the  interests  of  its
shareholders.  As a result  of these  changes,  the  operating  results  of this
business segment have improved  substantially,  with results in 2000 some of the
best in the Company's history.

         At December  31,  2000,  the Company had proved oil and gas reserves of
380.5 billion cubic feet (Bcf) equivalent, including proved natural gas reserves
of 331.8 Bcf and proved oil  reserves of 8,130  thousand  barrels  (MBbls).  The
Company's reserve life index  approximated 10.7 years at year-end 2000, with 82%
of total reserves classified as proved developed.  All of the Company's reserves
are located  entirely within the United States.  Revenues of the exploration and
production  subsidiaries are predominately  generated from production of natural
gas. Sales of gas production  accounted for 82% of total operating  revenues for
this segment in 2000, 87% in 1999 and 89% in 1998.

Areas of Operation
         Southwestern  engages in gas and oil exploration and production through
its subsidiaries,  SEECO, Inc. (SEECO),  Southwestern  Energy Production Company
(SEPCO),  and  Diamond  "M"  Production  Company  (Diamond  M).  SEECO  operates
exclusively  in the state of Arkansas  and holds a large base of both  developed
and  undeveloped  gas reserves and conducts an ongoing  drilling  program in the
historically  productive  Arkansas  part of the  Arkoma  Basin.  SEPCO  conducts
development  drilling and  exploration  programs in the Oklahoma  portion of the
Arkoma Basin,  the Permian Basin of Texas and New Mexico,  the Anadarko Basin of
Oklahoma,  Louisiana,  and Texas.  Diamond M operates  properties in the Permian
Basin of Texas.

         The following table provides December 31, 2000 information as to proved
reserves,  well count, and gross and net acreage, and 2000 annual information as
to  production,  capital  expenditures  and  reserve  additions  for each of the
Company's core operating areas.
<TABLE>
<CAPTION>
                                                              Texas/
                                    Arkoma   Mid-Continent   New Mexico   Louisiana      Total
                                   -------------------------------------------------------------
<S>                                <C>          <C>            <C>          <C>        <C>
Proved Reserves:
  Gas (Bcf)                          200.3         24.4           82.2         24.9        331.8
  Oil (MBbls)                            -        1,759          5,176        1,195        8,130
  Total Reserves (Bcfe)              200.3         34.9          113.2         32.1        380.5

Capital Expenditures (in millions)   $17.6            -          $27.7        $23.9        $69.2

Production (Bcfe)                     19.9          3.5            9.9          2.4         35.7
Reserve Additions (Bcfe)              18.4          1.2           30.6         19.9         70.1
Total Gross Wells                      808          564            401           32        1,805
  Percent Operated                      44%          28%            37%          44%          37%
Gross Acreage                      387,633      164,455        436,519      102,027    1,090,634
Net Acreage                        249,267       57,699        136,125       31,836      474,927
</TABLE>
                                       4
<PAGE>
         Arkoma  Basin.  The Arkoma Basin  provides a solid  foundation  for the
Company's  exploration and production  program and represents the primary source
of production  and reserves for the Company.  At December 31, 2000,  the Company
had  approximately  200.3 Bcf of  natural  gas  reserves  in the  Arkoma  Basin,
representing 60% of the Company's natural gas reserves and 53% of total reserves
on a Bcf equivalent  (Bcfe) basis.  The Company  participated in 42 wells during
2000 with a 76%  success  ratio and an  average  working  interest  of 47%.  The
Company's  Arkoma  drilling  program added 18.4 Bcf of gas reserves at a finding
and development  cost of $0.97 per thousand cubic feet (Mcf).  Average net daily
production in 2000 was 54.6 million cubic feet (MMcf).

         The Company's  strategy in the Arkoma is to annually replace production
from the basin with new  reserves at a finding  cost of under $1.00 per Mcf. The
Company intends to continue that strategy by investing approximately $21 million
and drilling approximately 50 wells in the basin in 2001.

         Southwestern's   Arkoma  Basin   operations   continue  to  generate  a
significant amount of the Company's cash flow. Production,  or lifting, costs in
the basin  continued to be extremely low during 2000 at $.24 per Mcf  (including
production taxes). After direct general and administrative  expenses of $.14 per
Mcf, Southwestern's netback per Mcf after cash operating expenses was 88% of the
average price it received for its Arkoma production in 2000.

         Southwestern's  traditional  operating  area over the years has been in
the "fairway" portion of the basin,  which is primarily within the boundaries of
the Company's  utility  gathering  system.  The Company's  strategy in this core
producing  area  is to  delineate  new  geologic  plays  and  extend  previously
identified trends using Southwestern's extensive databank of regional structural
and stratigraphic maps.  Southwestern  completed five wells out of seven drilled
in the fairway in 2000 that added 6.1 Bcf of new reserves.  The largest  success
in this area was the Sexton #1-20 well in Johnson  County,  Arkansas.  This well
was placed on production in February 2000 at 3.6 MMcf of gas per day (MMcfd) and
added  3.3 Bcf of new  reserves  in 2000.  Southwestern  plans to drill up to 13
wells in the fairway portion of the basin in 2001.

         In recent  years,  Southwestern  has extended its  development  program
outside  of the  traditional  fairway  area to  continue  its  growth.  In 1998,
Southwestern drilled its first exploratory well at its Ranger Anticline prospect
area,  located in the southern edge of the Arkansas  portion of the basin.  This
prospect area features a complex series of thrusted  anticlinal folds containing
deepwater Pennsylvanian sands. To date, the Company has successfully drilled six
out  of  nine  wells  in  this  prospect,  adding  9.9  Bcf of  reserves  net to
Southwestern's interest at a finding cost of $.56 per Mcf. In December 2000, the
Company  secured  20,200 net federal  acres with a 10-year lease term to further
develop this play. Southwestern plans to drill up to six wells here in 2001.

         In 2000,  Southwestern  built on its  initial  drilling  success in new
discovery  areas such as Cherokee and  Haileyville in eastern  Oklahoma.  In the
Cherokee prospect area in LeFlore County, the Company successfully drilled eight
wells out of nine in 2000. At  Haileyville,  three wells out of the four drilled
were completed,  including the Collins #1-13 well, which is currently  producing
over 7.2 million cubic feet of gas per day (MMcfd).  The Company  believes there
is significant  potential that is currently  untapped in this area of the basin,
and these prospects will be focus areas in 2001.

         Mid-Continent.  The  Company's  activities in this region are primarily
focused on the Anadarko Basin of Oklahoma. At December 31, 2000, the Company had
approximately  24.4 Bcf of natural gas  reserves and 1,759 MBbls of oil reserves
in the region, representing 7% and 22%, respectively, of the Company's total gas
and oil reserves.  Average net daily  production in 2000 for this region was 9.6
MMcf equivalent (MMcfe). Southwestern does not expect its

                                       5
<PAGE>
Mid-Continent  operations  to be a  primary  area of future  growth,  due to its
efforts to concentrate on those areas where it has a competitive advantage.  The
Company  intends to produce these  properties  to depletion,  sell them or trade
them for properties in the Company's  core areas of operation.  During 2000, the
Company sold at auction a portion of its  properties in the  Mid-Continent  area
with proved reserves of 13.8 Bcfe for approximately $13.1 million.

         Texas/New Mexico. The Company has key operations in the states of Texas
and New Mexico, and is primarily focused here on the Permian Basin in west Texas
and  southeast  New Mexico,  the onshore  Texas Gulf Coast and a newly  acquired
producing  field in east Texas.  At December 31, 2000,  Southwestern  had proved
reserves of 82.2 Bcf of gas and 5,176  MBbls of oil in the region,  representing
25% and 64%, respectively, of the Company's total gas and oil reserves.

         Over the past three years,  Southwestern has made meaningful strides in
establishing  itself as a significant  player in the Permian Basin.  At December
31, 2000, Southwestern had proved reserves of 38.2 Bcf of gas and 4,670 MBbls of
oil in the basin, or 66.2 Bcfe. The Company successfully  completed 43 out of 57
wells  drilled  in the  Permian  in 2000,  resulting  in a success  rate of 75%.
Southwestern's  average  working  interest in the  Permian  during 2000 was 27%.
Average net daily  production in the basin was 27.1 MMcfe and production  costs,
including production taxes, averaged $.77 per Mcf equivalent (Mcfe) during 2000.

         Southwestern  continued to develop its Logan Draw prospect area in Eddy
County,  New Mexico,  successfully  completing 10 out of 13 wells there in 2000.
Southwestern  has  an  average  working  interest  of  32%  in  the  Logan  Draw
development  area, which is the combination of the Company's Top Dog, Amber, and
Freight Train  prospects.  To date, the Company has drilled 21 successful  wells
out of 26 and has added 8.1 Bcfe of reserves at a finding cost of $.84 per Mcfe.

         In late 1999, the Company  entered into a joint  exploration  agreement
with Phillips  Petroleum to explore for deeper  formations under acreage that is
held-by-production in southeast New Mexico. This initial joint venture agreement
spawned  the  development  of two more joint  exploration  agreements  that were
consummated in late 2000, one with Energen Resources and a second agreement with
Phillips. In total, these agreements provide the Company access to an additional
98,700  gross  acres to pursue  drilling  opportunities.  Under each  agreement,
Southwestern's  partners  have a  deferred  election  clause  at  casing  point,
allowing them to retain a pre-specified working interest share.  Southwestern is
the  operator of all wells under the  agreements.  These  agreements  have terms
ranging  from  12 to  21  months,  and  each  has  continuous  drilling  options
thereafter. To date, the Company has drilled nine out of eleven successful wells
under  these joint  ventures,  and plans to drill at least six wells under these
agreements in 2001.

         One  meaningful  discovery  resulting  from the  first  Phillips  joint
venture is the Company's oil discovery at its Bimini prospect in Lea County, New
Mexico.  The  Company  was  successful  on five wells out of five  drilled,  and
together the wells are currently producing 450 barrels of oil per day (Bopd) and
480 MMcfd from the Blinebry  formation.  The  discovery at Bimini has set up two
additional  prospect areas with similar  Blinebry  potential that will be tested
during 2001. The Company also had discoveries in 2000 at its Heisman and Outland
prospects under this agreement with follow-up drilling planned for these areas.

         The Company entered the prolific  gas-producing area of east Texas with
the  acquisition  of producing  properties in the Overton Field in Smith County,
Texas in April 2000. This transaction  creates an additional low-risk multi-year
development  drilling  program for the Company and is discussed more fully below
under "Acquisitions."

                                       6
<PAGE>
         Louisiana.  Southwestern  began its drilling program in south Louisiana
in 1996 and this  area  continues  to be the main  focus  area of the  Company's
high-impact  exploration  activities.  At December  31, 2000,  Southwestern  had
proved  reserves  of  24.9  Bcf of gas  and  1,195  MBbls  of oil in the  state,
representing  8% of the  Company's  total  reserves on a gas  equivalent  basis.
Average net daily  production  in this area was 6.6 MMcfe and  production  costs
(including production taxes) averaged $.87 per Mcfe during 2000.

         The Company has an extensive  inventory  of 3-D seismic  data  covering
over 1,230 miles in Louisiana.  From this  extensive 3-D database,  Southwestern
has internally generated a multi-year  inventory of exploration  prospects to be
drilled in 2001 and  beyond.  The Company  also  continues  to gain  exposure to
additional 3-D seismic data for future drilling opportunities.

         Southwestern  has  been  successful  in  four  out  of  its  last  five
exploration  wells in this area,  beginning with its first  internally-generated
discovery in December  1999 at its Gloria  prospect in  Assumption  Parish.  The
Dugas &  LeBlanc  #1 well was  placed  on  production  in  February  2000 and is
currently  producing  9.6 MMcfd and 310  barrels of  condensate  per day (Bcpd).
Southwestern is the operator of the well and holds a 50% working interest.

         The Company  announced in February  2000 that it had made a significant
discovery at its North Grosbec prospect,  also in Assumption  Parish,  which has
resulted  in one of the  largest  discoveries  in  the  Company's  history.  The
Brownell-Kidd  #1 well was  placed on  production  in May 2000 and is  currently
producing 16.2 MMcfd and 575 Bcpd.  The Company holds a 25% working  interest in
this well which is operated by Petro-Hunt, L.L.C. Southwestern plans to drill up
to two  additional  development  wells at North  Grosbec  in 2001 to  facilitate
efficient depletion of the reservoir.

         After drilling a dry hole at its Brigadoon  prospect,  the Company made
another gas discovery in its Eden 3-D project area.  The Eden 3-D project was an
alliance formed with industry partners to jointly explore a 146-mile proprietary
3-D seismic survey in the Nodosaria Embayment area of Lafayette,  St. Landry and
Acadia Parishes.  The Company's first well drilled in the project, the Robertson
#1, was placed on production in late-December 2000 and is currently producing at
6.8 MMcfd  and 317 Bcpd.  Southwestern  operates  the well with a 27.5%  working
interest.  The Company plans to drill two  additional  exploratory  tests in its
Eden 3-D project area in 2001 and has  identified  several  additional  prospect
leads for 2002.

         In January  2001,  Southwestern  announced  a  discovery  at its Malone
prospect,  located south of the Company's Gloria discovery in Assumption Parish.
The SL  16626  #1 well  encountered  approximately  260  feet of gas pay in five
separate  productive  sands  within  the  Miocene  formation.   Southwestern  is
currently  completing  this well and plans to have it  placed on  production  in
March. After drilling the initial discovery well, an offset development well was
immediately drilled and reached total depth in February. Logs indicate favorable
pay  development and the Company expects this well to be placed on production by
May.  Southwestern  has a 33  percent  working  interest  in this  prospect  and
believes that it represents a significant gas accumulation.

Acquisitions
         In April 2000, the Company purchased the Overton Field in Smith County,
Texas, from Total Fina Elf for $6.1 million. Proved developed producing reserves
associated  with the purchase  were 7.5 Bcfe,  for a purchase  price of $.81 per
Mcfe.  The  purchase  included  16 active gas wells in 13 spacing  units,  8,800
contiguous  acres in established  units and 2,000 additional  undeveloped  acres
outside  the  units.  The  Overton  Field  represents  a  significant   low-risk
development opportunity for Southwestern, as it is one of the last Cotton Valley
Sand fields in east Texas that has not been  downspaced  from original  640-acre
units.  Currently,  adjacent  gas-producing  fields  in the area are  spaced  at
80-acre to 160-acre units.

                                       7
<PAGE>
Southwestern  plans  to  drill  between  8 and 14  wells  in the  field in 2001,
primarily  targeting the Cotton Valley Taylor Sand formation  above 12,000 feet.
Based on the well  performance of the initial  development  phase,  there is the
potential for 22 to 38 additional  development  locations to be drilled over the
next few years based upon 160-acre unit spacing.

         In 1999,  the Company  purchased  producing  properties  in the Permian
Basin with estimated  proved  reserves of 9.4 Bcf of gas and 576 MBbls,  or 12.9
Bcfe. The properties were purchased from  Petro-Quest  Exploration,  a privately
held company headquartered in Midland,  Texas, for $9.4 million. The Company did
not make any  producing  property  acquisitions  in 1998 or 1997.  In 1996,  the
Company acquired approximately 32.7 Bcf of gas and 6,350 MBbls of oil located in
Texas and Oklahoma  for $45.8  million.  The  Company's  current  strategy is to
pursue selective acquisitions that would complement its existing operations.

Capital Spending
         The Company  invested a total of $69.2 million in its  exploration  and
production  program during 2000, and  participated  in a total of 105 wells,  of
which 78 were  successful.  The Company's  investments were balanced between the
Company's core areas of operations, with approximately $17.6 million invested in
the Arkoma  Basin,  $27.7  million  in the  Texas/  New Mexico  region and $23.9
million for exploration,  primarily in south Louisiana.  Of these  expenditures,
approximately  $19.3 million was invested in exploration wells, $23.8 million in
development  drilling  and  workovers,  $5.1  million  for  land  and  leasehold
acquisition,  $4.1 million in seismic  expenditures,  $6.7 million for producing
property  acquisitions and $10.2 million in capitalized  interest,  expenses and
other technology-related expenditures.

         In 2001, the Company's capital budget for exploration and production is
$75.0 million,  with approximately 75% of this capital dedicated to drilling. As
in 2000, the Company's  investments will again be balanced between the Company's
core areas of  operations,  with  approximately  $20.5 million  allocated to the
Company's  low-risk  development  activities in the Arkoma Basin,  $30.3 million
allocated to medium-risk  exploration and  exploitation in the Texas/New  Mexico
area,  and  $24.2  million  allocated  to  high-potential  exploration  in south
Louisiana.  Of the $75.0 million capital budget,  approximately $23.7 million is
allocated to  exploration  wells,  $32.3 million to development  drilling,  $4.7
million  for  land  and   leasehold   acquisition,   $3.3  million  for  seismic
expenditures,   and  $11.0  million  in  capitalized   interest,   expenses  and
technology-related  items.  Although no capital was budgeted for acquisitions in
2001, the Company will continue to seek producing  property  acquisitions in its
core producing  areas that would  complement its overall  strategy.  The Company
expects to maintain  its  capital  investments  within the limits of  internally
generated cash flow, and will adjust its capital program accordingly.

Sales and Major Customers
         Natural gas  equivalent  production  averaged  97.7 million  cubic feet
equivalent  per day (MMcfed) in 2000,  compared to 90.2 MMcfed in 1999 and 101.1
MMcfed in 1998. The Company's gas  production was 31.6 Bcf in 2000,  compared to
29.4 Bcf in  1999,  and 32.7 Bcf in 1998.  The  Company  also  produced  676,000
barrels of oil in 2000, compared to 578,000 barrels in 1999, and 703,000 barrels
in  1998.  The  decreases  in  production  in 1999  were  the  result  of  lower
non-operated  production due to the industry slowdown during late 1998 and early
1999,  the decline in  production  from certain wells in the Gulf Coast area and
production  losses from marginal  properties that were sold during the year. The
Company expects its equivalent  production in 2001 to increase  approximately 7%
over the level in 2000.

         The Company's natural gas production realized an average wellhead price
of $2.88 per Mcf in 2000, compared to $2.21 per Mcf in 1999 and $2.34 per Mcf in
1998.  The Company's  average oil price  realized was $22.99 per barrel in 2000,
compared to $17.11 per barrel in 1999 and $13.60 per barrel in 1998.

         Southwestern's  largest single customer for sales of its gas production
is the Company's  utility  subsidiary,  Arkansas  Western Gas Company  (Arkansas
Western).  Sales from SEECO to Arkansas Western  accounted for approximately 24%
of

                                       8
<PAGE>
total exploration and production  revenues in 2000, 31% in 1999 and 38% in 1998.
All of the Company's  remaining  sales are to unaffiliated  purchasers.  SEECO's
sales to Arkansas Western were 7.8 Bcf in 2000,  compared to 8.2 Bcf in 1999 and
11.3 Bcf in 1998. The decrease in affiliated gas sales in 1999 was the result of
warmer  weather in the  utility's  service  territory  combined with the loss of
certain intercompany gas supply contracts.

         Gas  volumes  sold by  SEECO  to  Arkansas  Western  for its  northwest
Arkansas  division  (AWG)  were 5.1 Bcf in 2000 and  1999,  and 7.7 Bcf in 1998.
Through these sales,  SEECO  furnished 36% of the  northwest  Arkansas  system's
requirements  in  2000,  38% in  1999  and 55% in  1998.  SEECO  also  delivered
approximately 2.8 Bcf in 2000, 2.6 Bcf in 1999 and 2.0 Bcf in 1998,  directly to
certain large business customers of AWG through a transportation  service of the
utility subsidiary.

         Prior to 1999,  most of the sales to AWG were pursuant to a twenty-year
contract between SEECO and AWG, entered into in July 1978, under which the price
was frozen between 1984 and 1994.  This contract was amended in 1994 as a result
of a settlement  reached to resolve  certain gas cost issues before the Arkansas
Public Service Commission.  This contract expired July 24, 1998 but continued on
a month-to-month basis through November 1998.

         In March  1997,  AWG filed a gas supply plan with the  Arkansas  Public
Service  Commission  (APSC)  which  projected  system load growth  patterns  and
long-range gas supply needs for the utility's northwest Arkansas system. The gas
supply plan also addressed  replacement  supplies for AWG's  long-term  contract
with SEECO.  After discussions with the APSC it was determined that the majority
of  the  utility's  future  gas  supply  needs  should  be  provided  through  a
competitive bidding process. On October 1, 1998, AWG sent requests for proposals
to various suppliers  requesting bids on seven different  packages of gas supply
to be effective December 1, 1998. These bid requests included replacement of the
gas supply and no-notice service previously provided by the long-term gas supply
contract between AWG and SEECO. Eleven potential suppliers returned bids in late
October.

         SEECO along with the Company's marketing subsidiary successfully bid on
five of the original  seven  packages  with prices based on the NorAm East Index
plus a demand  charge.  The  volumes of gas  projected  to be sold  under  these
contracts in their first year were approximately  equal to the historical annual
volumes sold under the expired  long-term  contracts,  assuming  normal  weather
patterns.  However,  the volumes to be sold under these  contracts are not fixed
and will fluctuate with the weather-related requirements of AWG. These contracts
provide more of the gas needed  during  periods of colder  weather,  and less of
AWG's base system needs. As a result, periods of abnormally warmer weather, such
as in 1999 and  1998,  result  in lower  deliveries  to AWG by  SEECO.  However,
charges for no-notice service  associated with these contracts are approximately
$6.0 million per year and are received by SEECO regardless of weather  patterns.
Other sales to AWG are made under  long-term  contracts  with  flexible  pricing
provisions.  Two of the five  original gas  supplying  packages have come up for
rebid  since  1998  and  were not  awarded  to  SEECO.  These  packages  provide
approximately  2.5 Bcf of AWG's  annual gas  supply.  There were no demand  fees
associated with the two contracts not renewed. In 2001, AWG will again perform a
competitive  bidding  process for its  primary gas supply  needs and the Company
expects its subsidiaries to aggressively  bid to retain the contracts  currently
in place.

         SEECO's  sales  to  Associated  Natural  Gas  Company  (Associated),  a
division of Arkansas Western which operates a natural gas distribution system in
northeast  Arkansas,  were 2.7 Bcf in 2000, 3.1 Bcf in 1999 and 3.6 Bcf in 1998.
These  deliveries   accounted  for  approximately  51%  of  Associated's   total
requirements  in 2000, 42% in 1999 and 46% in 1998. The decrease in 2000 volumes
delivered was due to  Southwestern's  sale of its Missouri utility assets in May
2000,  as discussed  below in "Natural  Gas  Distribution,"  somewhat  offset by
colder than normal  weather in November and December  2000. The decrease in 1999
was due to record warm weather.  Effective  October  1990,  SEECO entered into a
ten-year contract with Associated to supply a portion of its system requirements
at a price  to be  redetermined  annually.  For the  contract  period  beginning
October 1, 1997, the contract was revised to redetermine the sales price monthly
based on an index

                                       9
<PAGE>
posting plus a reservation fee.  Effective  October 2000,  Associated placed its
gas supply  out for  competitive  bids.  SEECO was  successful  in  obtaining  a
one-year bid to supply  approximately  1.0 Bcf of gas, or  approximately  40% of
Associated's annual requirement assuming normal weather patterns.

         At  present,  SEECO's  contracts  for  sales  of  gas  to  unaffiliated
customers  consist  of  short-term  sales  made  to  customers  of  the  utility
subsidiary's  transportation  program and spot sales into  markets away from the
utility's distribution system. These sales are subject to seasonal price swings.
SEECO's sales to  unaffiliated  customers are also affected by the demand of the
utility for production on its gathering  system.  SEECO's sales to  unaffiliated
purchasers  accounted for  approximately 29% of total exploration and production
revenues in 2000, 28% in 1999 and 19% in 1998.

         The  combined  gas  production  of SEPCO and  Diamond M was 13.8 Bcf in
2000,  compared to 10.5 Bcf in 1999 and 13.2 Bcf in 1998. Oil production was 676
MBbls in 2000,  compared to 578 MBbls in 1999 and 703 MBbls in 1998. SEPCO's and
Diamond M's gas and oil  production is sold under  contracts  with  unaffiliated
purchasers  which  reflect  current  short-term  prices and which are subject to
seasonal  price  swings.  SEPCO's  and Diamond  M's  combined  gas and oil sales
accounted for 47% of total  exploration and production  revenues in 2000, 41% in
1999 and 43% in 1998.

         The Company periodically enters into hedging activities with respect to
a portion  of its  projected  crude oil and  natural  gas  production  through a
variety of  financial  arrangements  intended  to support  oil and gas prices at
targeted levels and to minimize the impact of price fluctuations.  The Company's
policies  prohibit  speculation  with  derivatives  and limit swap agreements to
counterparties  with  appropriate  credit  standings.  At December 31, 2000, the
Company  had hedges in place on 34.7 Bcf of future gas  production  and  697,000
barrels of future oil  production.  Subsequent to December 31, 2000, the Company
closed its position on 298,000 barrels of 2001 oil production with a floor price
of $18.00. The Company currently has hedges in place on approximately 80% of its
2001  anticipated gas production and  approximately  50% of its 2001 anticipated
oil production.  See Item 7.A. of this Form 10-K,  "Quantitative and Qualitative
Disclosures About Market Risk," for further information  regarding the Company's
hedge position at December 31, 2000.

Competition
         All  phases  of the  gas  and  oil  industry  are  highly  competitive.
Southwestern  competes  in the  acquisition  of  properties,  the search for and
development of reserves, the production and sale of gas and oil and the securing
of the  labor and  equipment  required  to  conduct  operations.  Southwestern's
competitors  include major gas and oil companies,  other independent gas and oil
concerns and individual producers and operators.  Many of these competitors have
financial  and other  resources  that  substantially  exceed those  available to
Southwestern.  Gas and oil  producers  also compete with other  industries  that
supply  energy and fuel.  During 2000 the impact of  inflation  and  competition
intensified  as shortages in drilling  rigs,  third party services and qualified
labor developed due to an overall increase in the activity level of the domestic
oil and gas industry.  The Company  anticipates that inflationary  pressures and
industry competition will continue to increase for the foreseeable future.

         Competition in the state of Arkansas has increased in recent years, due
largely to the  development of improved access to interstate  pipelines.  Due to
the  Company's  significant  leasehold  acreage  position  in  Arkansas  and its
long-time  presence and  reputation in this area,  the Company  believes it will
continue to be successful in acquiring  new leases in Arkansas.  While  improved
intrastate and interstate  pipeline  transportation  in Arkansas should increase
the  Company's  access to markets for its gas  production,  these  markets  will
generally  be served by a number of other  suppliers.  Thus,  the  Company  will
encounter  competition  that may affect both the price it receives  and contract
terms it must offer. Outside Arkansas, the Company is less established and faces
competition from a larger number of other  producers.  The Company has in recent
years been  successful  in building  its  inventory  of  undeveloped  leases and
obtaining  participating  interests  in drilling  prospects in its core areas of
operations.

                                       10
<PAGE>
NATURAL GAS DISTRIBUTION

         The  Company's   subsidiary   Arkansas  Western  Gas  Company  operates
integrated natural gas distribution systems  concentrated  primarily in northern
Arkansas.  The APSC regulates the Company's  utility rates and  operations.  The
Company serves approximately 136,000 customers and obtains a substantial portion
of the gas they consume through its Arkoma Basin gathering facilities.

         On May 31,  2000,  the Company  completed  the sale of its Missouri gas
distribution  assets for $32.0  million.  The sale resulted in a pre-tax gain of
approximately  $3.2  million  and  proceeds  from the sale were used to pay down
debt. The gas distribution  statistics  discussed below include the results from
the Company's Missouri utility operations through May 2000.

         In June 2000,  Southwestern  announced its intent to sell its remaining
utility  operations in Arkansas to fund a $109.3  million  judgment  against the
Company  (Hales  judgment).  The Company hired Morgan Stanley Dean Witter as its
investment  advisor to manage  the  auction  process  and the  Company  received
several  serious  expressions  of interest from bona fide parties.  However,  to
date,  the Company has not received an offer that it believes  reflects the true
value of the utility system. Accordingly, Southwestern will continue to hold and
operate  these  assets.  Absent  a sale of its  utility  assets,  the  Company's
strategy is to utilize cash flow in excess of its capital requirements to reduce
the debt incurred as a result of the Hales  judgment.  As part of this strategy,
the Company has hedged  approximately 80% of its 2001 anticipated gas production
and  50% of its  2001  anticipated  oil  production  at  attractive  prices  (as
discussed  previously under "Exploration and Production") to ensure that it will
have cash flow available to reduce the debt level.

         Arkansas Western consists of two operating divisions.  The AWG division
gathers  natural  gas in the  Arkansas  River  Valley of  western  Arkansas  and
transports  the gas  through  its own  transmission  and  distribution  systems,
ultimately  delivering  it at  retail  to  approximately  115,000  customers  in
northwest Arkansas. The Associated division receives its gas from transportation
pipelines  and delivers the gas through its own  transmission  and  distribution
systems, ultimately delivering it at retail to approximately 21,000 customers in
northeast Arkansas.  Associated,  formerly a wholly-owned subsidiary of Arkansas
Power and Light Company, was acquired and merged into Arkansas Western effective
June 1, 1988.

Gas Purchases and Supply
         AWG  purchases  its  system gas supply  through a  competitive  bidding
process  implemented  in late 1998,  as  discussed  above,  and  directly at the
wellhead under long-term contracts.  SEECO furnished  approximately 36% of AWG's
system requirements in 2000, 38% in 1999 and 55% in 1998. AWG also purchases gas
from unaffiliated producers under take-or-pay contracts.  Currently, the Company
believes that it does not have a significant exposure to take-or-pay liabilities
resulting from these  contracts.  The Company  expects to be able to continue to
satisfactorily manage its exposure to take-or-pay liabilities.

         Associated  purchases  gas  for its  system  supply  from  unaffiliated
suppliers accessed by interstate  pipelines and from affiliates.  Purchases from
unaffiliated suppliers are under firm contracts with terms between one and three
years. The rates charged by most suppliers  include demand  components to ensure
availability of gas supply, administrative fees, and a commodity component which
is based on monthly  indexed  market  prices.  Associated's  gas  purchases  are
transported through four pipelines.  The pipeline  transportation  rates include
demand  charges to reserve  pipeline  capacity and  commodity  charges  based on
volumes transported.  Associated has also contracted with an interstate pipeline
for storage capacity to meet its peak seasonal demands.  These contracts involve
demand charges based on the maximum  deliverability,  capacity  charges based on
the  maximum  storage  quantity,  and charges for the  quantities  injected  and
withdrawn.

                                       11
<PAGE>
         AWG  has  no  restriction  on  adding  new  residential  or  commercial
customers and will supply new industrial  customers that are compatible with the
scale of its  facilities.  AWG has never denied service to new customers  within
its service area or experienced  curtailments because of supply constraints.  In
addition,  Associated  has never  denied  service  to new  customers  within its
service area or experienced curtailments because of supply constraints since the
acquisition  date.   Curtailment  of  large  industrial  customers  of  AWG  and
Associated  occurs only  infrequently  when extremely cold weather requires that
systems be dedicated exclusively to human needs customers.

         The gas distribution  subsidiary's rate schedules include purchased gas
adjustment  clauses  whereby the actual cost of purchased gas above or below the
level  included in the base rates is permitted to be billed or is required to be
credited to  customers.  Each month,  the  difference  between  actual  costs of
purchased gas and gas costs  recovered from customers is deferred.  The deferred
differences are billed or credited,  as appropriate,  to customers in subsequent
months.

Markets and Customers
         The  utility  continues  to  capitalize  on the healthy  economies  and
sustained  customer  growth found in its service  territory.  AWG and Associated
provide natural gas to approximately 119,000 residential, 16,300 commercial, and
225 industrial  customers,  while also providing gas transportation  services to
approximately 40 end-use and off-system customers.  Total gas throughput in 2000
was 33.5 Bcf,  compared to 36.4 Bcf in 1999 and 32.8 Bcf in 1998.  In 2000,  the
loss of throughput associated with the sale of the utility's Missouri assets was
partially  offset by colder  weather.  The  increase  in 1999 was the  result of
higher off-system transportation volumes. Off-system transportation volumes were
3.1 Bcf in 2000, compared to 4.8 Bcf in 1999 and 1.1 Bcf transported in 1998.

         Residential and Commercial. Approximately 85% of the utility's revenues
are  from  residential  and  commercial  markets.   Residential  and  commercial
customers  combined  accounted  for  55% of  total  gas  throughput  for the gas
distribution  segment  in 2000,  compared  to 51% in 1999  and 57% in 1998.  Gas
volumes sold to residential  customers  were 10.9 Bcf in 2000,  compared to 10.8
Bcf in 1999 and 11.1 Bcf in 1998. Gas sold to commercial  customers  totaled 7.6
Bcf in 2000, 1999 and 1998.  Weather during the calendar year 2000 was normal as
measured by degree days,  however,  deliveries were  negatively  impacted by the
sale of the  Company's  Missouri  properties.  The decrease in  residential  gas
volumes sold in 1999 was due to record warm weather. Weather during 1999 was 21%
warmer than normal and 8% warmer than in 1998.

         The gas heating load is one of the most significant uses of natural gas
and is sensitive to outside temperatures.  Sales, therefore, vary throughout the
year.  Profits,   however,   have  become  less  sensitive  to  fluctuations  in
temperature  recently  as  tariffs  implemented  in  Arkansas  contain a weather
normalization  clause to lessen the impact of revenue  increases  and  decreases
which might result from weather variations during the winter heating season.

         Industrial  and  End-use   Transportation.   Deliveries  to  industrial
customers,  which are generally  smaller concerns using gas for plant heating or
product  processing,  accounted for 11.8 Bcf in gas deliveries in 2000, 13.1 Bcf
in 1999 and 13.0 Bcf in 1998. No industrial  customer  accounts for more than 8%
of Arkansas  Western's total  throughput.  The decline in deliveries in 2000 was
primarily the result of the sale of the utility's Missouri operations.

         Both AWG and  Associated  offer a  transportation  service  that allows
larger business  customers to obtain their own gas supplies  directly from other
suppliers.  A total of 39  customers  are  currently  using  the  transportation
service,  including  AWG's  17  largest  customers  in  northwest  Arkansas  and
Associated's 3 largest customers in northeast Arkansas.

                                       12
<PAGE>
Competition
         AWG and  Associated  have  experienced  a general trend in recent years
toward  lower  rates of usage  among  their  customers,  largely  as a result of
conservation  efforts that the Company  encourages.  Competition is increasingly
being experienced from alternative fuels, primarily  electricity,  fuel oil, and
propane.  A  significant  amount  of fuel  switching  has not been  experienced,
though,  as natural gas has  generally  been the least  expensive,  most readily
available  fuel in the service  territories  of AWG and  Associated.  This could
change,  however, if natural gas prices continue to remain at their current high
levels.

         The  competition  from  alternative  fuels and, in a limited  number of
cases,  alternative  sources of natural gas have  intensified  in recent  years.
Industrial   customers  are  most  likely  to  consider   utilization  of  these
alternatives,  as they are less readily  available to commercial and residential
customers.  In an effort  to  provide  some  pricing  alternatives  to its large
industrial customers with relatively stable loads, AWG offers an optional tariff
to its larger business  customers and to any other large business customer which
shows that it has an  alternate  source of fuel at a lower  price or that one of
its direct  competitors has access to cheaper  sources of energy.  This optional
tariff  enables those  customers  willing to accept the risk of price and supply
volatility  to  direct  AWG  to  obtain  a  certain   percentage  of  their  gas
requirements  in the spot market.  Participating  customers  continue to pay the
non-gas  cost of service  included in AWG's  present  tariff for large  business
customers and agree to reimburse  AWG for any  take-or-pay  liability  caused by
spot market purchases on the customer's behalf.

Regulation
         The Company's  utility rates and  operations are regulated by the APSC.
The Company  operates through  municipal  franchises that are perpetual by state
law. These franchises, however, are not exclusive within a geographic area.

         As the  regulatory  focus of the natural gas  industry  shifts from the
federal level to the state level, utilities across the nation are being required
to unbundle  their sales services from  transportation  services in an effort to
promote  greater  competition.   Although  no  such  legislation  or  regulatory
directives related to natural gas are presently pending in Arkansas, the Company
is aggressively controlling costs and constantly reviewing issues such as system
capacity  and  reliability,  obligation  to serve,  rate design and  stranded or
transition costs.

         In Arkansas, the state legislature is now considering  legislation that
would  deregulate the retail sale of electricity in Arkansas as soon as 2002. At
this time, it is unknown whether or not such  legislation  will be adopted or if
it is  adopted,  what its final  form will be.  The  Company  is also  unable to
predict the precise impact of any such  legislation  on its utility  operations.
The Company's utility subsidiary has historically maintained a substantial price
advantage over electricity for most applications.  However, if gas prices are at
high levels or if retail electric competition is implemented in Arkansas,  it is
possible that some portion of this price  advantage may be lost in some markets.
As described in the paragraph above, the Company is taking steps to preserve its
competitive advantage over alternative energy sources, including electricity. If
electric  deregulation occurs in Arkansas,  legislative or regulatory precedents
may be set that would also affect  natural gas  utilities  in the future.  These
issues may include further  unbundling of services and the regulatory  treatment
of stranded costs.

         Gas distribution  revenues in future years will be impacted by customer
growth  and rate  increases  allowed  by the  APSC.  In  recent  years,  AWG has
experienced customer growth of approximately 2% to 3% annually, while Associated
has experienced  customer growth of approximately 1% or less annually.  Based on
current economic  conditions in the Company's service  territories,  the Company
expects this trend in customer growth to continue.

                                       13
<PAGE>
         In  December  1996,  AWG  received  approval  from  the APSC for a rate
increase of $5.1 million annually.  The December 1996 rate increase order issued
by the  APSC  also  provided  that  AWG  cause  to be  filed  with  the  APSC an
independent  study of its procedures for allocating costs between  regulated and
non-regulated  operations,  its staffing levels and executive compensation.  The
independent study was ordered by the APSC to address issues raised by the Office
of the  Attorney  General of the State of Arkansas.  The study was  conducted in
1999 with a final report issued in December 1999. The report found the Company's
costs to be  reasonable in all  categories  and did not recommend any changes in
rates currently in effect.

         The Company  received  approvals in December 1997 from the APSC and the
Missouri  Public  Service  Commission  for rate increases and tariff changes for
Associated  which  allowed the  utility to collect an  additional  $3.0  million
annually.  Of the $3.0 million increase,  approximately  $2.0 million was in the
form of base rate  increases and $1.0 million was related to the increased  cost
of service of the Company's  gathering  plant which is recovered  through either
the purchased gas adjustment  clause or through direct charges to transportation
customers. Rate increase requests that may be filed in the future will depend on
customer growth,  increases in operating expenses, and additional investments in
property,  plant and  equipment.  AWG's  rates for gas  delivered  to its retail
customers are not regulated by the Federal Energy Regulatory  Commission (FERC),
but its  transmission  and gathering  pipeline systems are subject to the FERC's
regulations  concerning open access  transportation since AWG accepted a blanket
transportation certificate in connection with its merger with Associated.

         In May 1999,  the Staff of the APSC  initiated a proceeding in which it
sought  an annual  reduction  of  approximately  $2.3  million  in the rates AWG
charges its  customers  in  northwest  Arkansas.  Staff's  position was based on
various  adjustments to the utility's  rate base,  operating  expenses,  capital
structure  and rate of return.  A large  portion of the proposed  reduction  was
based on a  downward  adjustment  to the  utility's  current  return  on  equity
authorized by the APSC in 1996.  During the third  quarter of 1999,  the Company
reached agreement with the Staff and the APSC to resolve this issue and to close
several other open dockets. In the settlement  agreement,  the Company agreed to
reduce its rates  collected from customers on a prospective  basis in the amount
of $1.4  million  annually,  effective  December  1, 1999.  The  agreement  also
includes the resolution of a proceeding  initiated in December 1998 by the Staff
of the APSC where the Staff had  recommended the  disallowance of  approximately
$3.1 million of gas supply costs. As a part of the  settlement,  this docket was
closed with no negative adjustment to the Company.

         In  February  2001,  the APSC  approved  a 90-day  temporary  tariff to
collect  additional  gas costs not yet billed to  customers  through  the normal
purchased gas adjustment clause in the utility's  approved tariffs.  The Company
had  under-recovered  purchased gas costs of $12.9 million in its current assets
at December  31, 2000.  The amount of  under-recovered  purchased  gas costs had
increased  to over  $30.0  million  during  January  2001 as a result of rapidly
increasing gas costs.  The temporary tariff allows the Company to bill customers
an additional  $3.00 per Mcf of usage and is expected to generate $14.0 to $15.0
million of  additional  cash flow over the next few months  allowing the Company
faster recovery of gas costs already incurred.

MARKETING AND TRANSPORTATION

Gas Marketing
         The marketing group was formed in mid-1996 to better enable the Company
to  capture   downstream   opportunities   which  arise  through  marketing  and
transportation  activity.  Through utilization of Southwestern's  existing asset
base, the group's focus is to create and capture value beyond the wellhead.  The
merger of the NOARK Pipeline with the Ozark Gas  Transmission  System  discussed
below afforded greater supply and market opportunities.

                                       14
<PAGE>
         The   Company's   marketing   operations   include  the   marketing  of
Southwestern's own gas production and third-party  natural gas. Operating income
for this segment was $2.5 million in 2000,  compared to $2.1 million in 1999 and
$1.8  million in 1998.  The  segment  marketed  59.6 Bcf of natural gas in 2000,
compared  to 63.1  Bcf in 1999  and  49.6  Bcf in  1998.  Of the  total  volumes
marketed,  purchases from the Company's exploration and production  subsidiaries
accounted for 33% in 2000, 31% in 1999 and 24% in 1998.

NOARK Partnership
         At  December  31,  2000,  the Company  held a 25%  general  partnership
interest  in the NOARK  Pipeline  System,  Limited  Partnership  (NOARK).  NOARK
Pipeline was a 258-mile long  intrastate  natural gas  transmission  system that
originated in western  Arkansas and terminated in northeast  Arkansas,  crossing
three  major  interstate   pipelines  and  interconnecting  with  the  Company's
distribution systems. NOARK Pipeline was completed and placed in service in 1992
and has been operating below capacity and generating  losses since it was placed
in service.  The Company's share of the pretax loss from  operations  related to
its NOARK  investment  was $1.8  million in 2000,  $2.0 million in 1999 and $3.1
million in 1998.

         In January 1998, the Company entered into an agreement with Enogex Inc.
(Enogex), a subsidiary of OGE Energy Corp., to expand NOARK Pipeline and provide
access to Oklahoma gas supplies  through an  integration  of NOARK Pipeline with
the Ozark Gas  Transmission  System  (Ozark).  Ozark was a  437-mile  interstate
pipeline  system  that  began in  eastern  Oklahoma  and  terminated  in eastern
Arkansas.  On July 1, 1998,  the Federal  Energy  Regulatory  Commission  (FERC)
authorized  the  operation  and  integration  of Ozark and NOARK  Pipeline  as a
single,  integrated  pipeline.  The FERC order also  authorized  the purchase of
Ozark by a subsidiary of Enogex and the construction of integration  facilities.
Enogex  acquired  Ozark  and  contributed  the  pipeline  system  to  the  NOARK
partnership  and also  acquired  the  NOARK  partnership  interests  not held by
Southwestern.  Enogex  funded the  acquisition  of Ozark and the  expansion  and
integration with NOARK Pipeline which resulted in the Company's  interest in the
partnership decreasing to 25% with Enogex owning a 75% interest.  There are also
provisions  in  the  agreement  with  Enogex  which  allow  for  future  revenue
allocations to the Company above its 25% partnership interest if certain minimum
throughput and revenue assumptions are not met.

         The  merged  pipeline  system  now has  greater  access  to  major  gas
producing  fields in  Oklahoma.  With  access to  greater  regional  production,
Southwestern  expects  the  pipeline's   additional  throughput  to  create  new
marketing and transportation  opportunities and reduce the losses experienced on
the project in the past. The merged pipeline also provides the Company's utility
systems with additional access to gas supply.

         The new integrated system, known as Ozark Pipeline,  became operational
November 1, 1998,  and  includes 749 miles of pipeline  with a total  throughput
capacity of 330 MMcfd.  Deliveries  are currently  being made by the pipeline to
portions of AWG's  distribution  system,  to  Associated,  and to the interstate
pipelines  with which it  interconnects.  The average daily  throughput  for the
pipeline  was 188.2 MMcfd in 2000,  compared to 167.5 MMcfd in 1999.  Before the
integration  with Ozark,  NOARK Pipeline had an average daily throughput of 27.3
MMcfd in 1998. At December 31, 2000, AWG had transportation contracts with Ozark
Pipeline for 66.9 MMcfd of firm  capacity.  These  contracts  expire in 2002 and
2003 and are  renewable  annually  thereafter  until  terminated  with 180 days'
notice.

Competition
         The Company's gas marketing activities are in competition with numerous
other  companies  offering  the  same  services,  many of which  possess  larger
financial  and  other  resources  than  those  of  Southwestern.  Some of  these
competitors are affiliates of companies with extensive pipeline systems that are
used for  transportation  from producers to end-users.  Other factors  affecting
competition are cost and  availability of alternative  fuels,  level of consumer
demand,  and  cost  of and

                                       15
<PAGE>
proximity of pipelines and other transportation facilities. The Company believes
that its ability to  effectively  compete  within the  marketing  segment in the
future depends upon  establishing  and  maintaining  strong  relationships  with
producers and end-users.

         NOARK Pipeline previously competed with two interstate  pipelines,  one
of which was the Ozark  system,  to obtain gas  supplies for  transportation  to
other markets.  Because of the available transportation capacity in the Arkansas
portion of the Arkoma  Basin,  competition  had been strong and had  resulted in
NOARK Pipeline  transporting gas for third parties on an interruptible  basis at
rates well below the maximum tariffs  presently  allowed.  The integration  with
Ozark provides increased supplies to transport to both local markets and markets
served by the three major interstate pipelines that Ozark Pipeline connects with
in eastern Arkansas. As discussed below under "Regulation," FERC's Order No. 636
has generally increased  competition in the transportation  segment as end-users
are now  acquiring  their  own  supplies  and  independently  arranging  for the
transportation of those supplies.  The Company believes that Ozark Pipeline will
provide the additional  supplies  necessary to compete more  effectively for the
transportation  of natural gas to end-users and markets served by the interstate
pipelines.

Regulation
         Since  the  mid-1980's,  the  FERC  has  issued  a  series  of  orders,
culminating in Order No. 636 in April 1992,  that have altered the marketing and
transportation  of natural gas.  Order No. 636 required  interstate  natural gas
pipelines to "unbundle," or segregate,  the sales,  transportation,  storage and
other  components of their existing sales services,  and to separately state the
rates for each of the  unbundled  services.  Order No. 636 and  subsequent  FERC
orders  issued in  individual  pipeline  proceedings  have been the  subject  of
appeals,  the results of which have generally been supportive of the FERC's open
access policy. Generally,  Order No. 636 has eliminated or substantially reduced
the  interstate   pipelines'   role  as  wholesalers  of  natural  gas  and  has
substantially increased competition in natural gas markets.

         Prior to the integration  with Ozark,  the operations of NOARK Pipeline
were  regulated by the APSC. The APSC had  established a maximum  transportation
rate of  approximately  $.285 per dekatherm.  The  integration of NOARK Pipeline
with Ozark resulted in an interstate pipeline system subject to FERC regulations
and FERC  approved  tariffs.  The APSC no longer  has  jurisdiction  over  NOARK
Pipeline's transportation rates and services. The FERC initially set the maximum
transportation rate of Ozark Pipeline at $.2455 per dekatherm.  As the result of
a rate  case  filed  in  2000,  Ozark  Pipeline's  maximum  transportation  rate
increased to $.2867 per dekatherm,  effective November 1, 2000. Also as a result
of the rate case,  Ozark Pipeline plans to begin offering  no-notice  service to
its customers in September 2001.

OTHER ITEMS

Environmental Matters
         The Company's  operations are subject to extensive  federal,  state and
local laws and regulations,  including the Comprehensive Environmental Response,
Compensation  and  Liability  Act,  the Clean  Water Act,  the Clean Air Act and
similar state statutes.  These laws and regulations require permits for drilling
wells and the  maintenance of bonding  requirements in order to drill or operate
wells and also  regulate  the  spacing  and  location  of wells,  the  method of
drilling and casing wells,  the surface use and  restoration of properties  upon
which wells are drilled,  the plugging and  abandoning of wells,  the prevention
and cleanup of pollutants and other matters.  Southwestern  maintains  insurance
against costs of clean-up operations,  but is not fully insured against all such
risks.

         Compliance with  environmental laws and regulations has had no material
effect  on  Southwestern's   capital  expenditures,   earnings,  or  competitive
position.  Although future environmental  obligations are not expected to have a
material  impact on the results of  operations  or  financial  condition  of the
Company,   there  can  be  no  assurance  that

                                       16
<PAGE>
future  developments,  such  as  increasingly  stringent  environmental  laws or
enforcement thereof, will not cause the Company to incur material  environmental
liabilities or costs.

Real Estate Development
         A. W. Realty Company (AWR) owns an interest in approximately  150 acres
of real  estate,  most of which is  undeveloped.  AWR's real estate  development
activities  are  concentrated  on a 130-acre  tract of land located in northwest
Arkansas,  which is the seventh fastest growing  metropolitan area in the United
States.  The Company  has owned an  interest  in this land for many  years.  The
property  is  zoned  for  commercial,   office,  and  multi-family   residential
development.  AWR  continues  to review  with a joint  venture  partner  various
options for developing  this property that would minimize the Company's  initial
capital  expenditures,  but  still  enable  it to  retain  an  interest  in  any
appreciation in value. This activity,  however, does not represent a significant
portion of the Company's business.

Employees
         At December 31,  2000,  the Company had 536  employees,  31 of whom are
represented under a collective bargaining  agreement.  The Company believes that
its relations with its employees are good.

ITEM 2. PROPERTIES

         For additional  information about the Company's gas and oil operations,
refer  to  Notes  5 and 6 to the  financial  statements  in  Item 8  ("Financial
Statement  and  Supplementary   Data").   For  information   concerning  capital
expenditures,  refer  to  page 32  ("Capital  Expenditures"  section  of Item 7,
"Management's  Discussion  and  Analysis of Financial  Condition  and Results of
Operations").  Also refer to Item 6 ("Selected  Financial Data") for information
concerning gas and oil produced.

         The following table provides  information  concerning  miles of pipe of
the Company's gas distribution  systems.  For a further  description of Arkansas
Western's properties, see the discussion under Item 1 ("Business").
<TABLE>
<CAPTION>
                                              AWG        Associated        Total
                                            ------------------------------------
<S>                                         <C>             <C>            <C>
Gathering                                     386             -              386
Transmission                                  812           172              984
Distribution                                3,172           520            3,692
- --------------------------------------------------------------------------------
                                            4,370           692            5,062
================================================================================
</TABLE>

         The following  information is provided to supplement  that presented in
Item 8. For a further description of Southwestern's oil and gas properties,  see
the discussion under Item 1.

Leasehold Acreage
<TABLE>
<CAPTION>
                                      Undeveloped                 Developed
                                   Gross        Net           Gross        Net
                                  ----------------------------------------------
<S>                               <C>         <C>           <C>          <C>
Arkoma                            150,372      93,710        237,261     155,557
Mid-Continent                      72,964      23,049         91,491      34,650
Texas/New Mexico                  262,734      99,720        173,785      36,405
Louisiana                          61,597      24,825         40,430       7,011
- --------------------------------------------------------------------------------
                                  547,667     241,304        542,967     233,623
================================================================================
</TABLE>
                                       17
<PAGE>
Producing Wells
<TABLE>
<CAPTION>
                                  Gas               Oil               Total
                            Gross     Net     Gross     Net       Gross     Net
                            ----------------------------------------------------
<S>                         <C>      <C>        <C>    <C>        <C>      <C>
Arkoma                        808    401.4        -        -        808    401.4
Mid-Continent                 163    111.2      401     79.6        564    190.8
Texas/New Mexico              170     53.0      231    125.2        401    178.2
Louisiana                      14      4.7       18     12.6         32     17.3
- --------------------------------------------------------------------------------
                            1,155    570.3      650    217.4      1,805    787.7
================================================================================
</TABLE>

Wells Drilled During the Year
<TABLE>
<CAPTION>
                                                    Exploratory

                          Productive Wells           Dry Holes                Total
Year                      Gross        Net       Gross        Net       Gross        Net
- ----                      --------------------------------------------------------------
<S>                        <C>         <C>        <C>         <C>        <C>         <C>
2000                       13.0        4.0        12.0        4.8        25.0        8.8
1999                        4.0        1.5         4.0        1.6         8.0        3.1
1998                        3.0         .5        10.0        3.9        13.0        4.4
</TABLE>

<TABLE>
<CAPTION>
                                                    Development

                          Productive Wells           Dry Holes                Total
Year                      Gross       Net        Gross        Net       Gross       Net
- ----                      --------------------------------------------------------------
<S>                        <C>        <C>         <C>         <C>        <C>        <C>
2000                       65.0       21.9        14.0        6.3        79.0       28.2
1999                       47.0       18.3        15.0        6.1        62.0       24.4
1998                       72.0       29.4        10.0        6.4        82.0       35.8
</TABLE>

Wells in Progress as of December 31, 2000
<TABLE>
<CAPTION>
                                                             Gross           Net
                                                             -------------------
<S>                                                           <C>            <C>
Exploratory                                                     -              -
Development                                                   1.0            0.4
- --------------------------------------------------------------------------------
Total                                                         1.0            0.4
================================================================================
</TABLE>

         During 2000,  Southwestern was required to file Form 23, "Annual Survey
of Domestic Oil and Gas Reserves" with the  Department of Energy.  The basis for
reporting  reserves on Form 23 is not comparable to the reserve data included in
Note 6 to the financial  statements  in the 2000 Annual Report to  Shareholders.
The primary  differences are that Form 23 reports gross reserves,  including the
royalty owners' share, and includes reserves for only those properties where the
Company is the operator.

ITEM 3. LEGAL PROCEEDINGS

         In its Form 8-K  filed  July 2,  1996,  the  Company  disclosed  that a
lawsuit relating to overriding royalty interests in certain Arkansas oil and gas
properties had been filed against it and two of its  wholly-owned  subsidiaries.
This matter went to a non-jury  trial as to liability  on January 10, 2000.  The
court in this matter issued  Findings of Fact and  Conclusions of Law that found
no fraud was committed. The court also found that any override royalty interests
that  might  ultimately  be found to be due  under  the  plaintiffs'  claim  for
additional  override  royalties accrued after

                                       18
<PAGE>
March 1, 1990. All claims prior to March 1, 1990 have been barred by the statute
of limitations.  The ultimate  measure of damages will be determined  during the
damages phase of the non-jury  proceeding  that is scheduled for April 30, 2001.
While  the  Company  anticipates  that  it will  owe  some  additional  override
royalties to plaintiffs, it does not believe that its liability will be material
to its financial condition, but in any one period it could be significant to its
results of operations.

         The United States Minerals  Management  Service (MMS), a federal agency
responsible  for  the   administration   of  federal  oil  and  gas  leases,  is
investigating  the Company and its  subsidiaries in respect of claims similar to
those in the Hales class action  royalty  litigation  previously  reported.  The
Company was found to be ultimately  liable and  satisfied the Hales  judgment in
July  2000.  MMS  was  included  in the  class  action  litigation  against  its
objections, but did not pursue further action to remove itself from the class.

         On August 25, 2000,  a class action suit was filed  against the Company
and its  subsidiaries in Sebastian  County,  Arkansas,  on behalf of all mineral
owners who own or owned a royalty and/or overriding  royalty interest in oil and
gas leases or other agreements in certain sections of Franklin County, Arkansas.
The Company was granted authority in 1968 by the Arkansas Oil and Gas Commission
to operate a gas storage facility in one section of Franklin County.  Based upon
subsequently  developed  geological data, the Company sought authority to expand
this area and was granted  authority by the Arkansas Oil and Gas  Commission  to
operate gas storage in  additional  sections.  Plaintiffs  are  challenging  the
storage agreements that the Company obtained from the mineral interest owners in
1968,  1999 and 2000 to operate the gas storage  facility  known as  "Stockton."
Plaintiffs allege various wrongful,  intentional and fraudulent acts relating to
the  operation  of the storage  pool  beginning  in 1968 and  continuing  to the
present and allege that the above-referenced  agreements from the mineral owners
were obtained  through  misrepresentation  and fraud.  The Company has owned and
operated  the Stockton  storage  unit  through its Arkansas  Western Gas Company
subsidiary  until  1994,  at which time it was  transferred  to its  subsidiary,
SEECO,  Inc.  Plaintiffs  claim ownership rights in the gas that the Company has
stored in the  storage  pool in an amount  in  excess  of $5  million  in actual
damages,  interest,  attorney's fees and punitive  damages.  The Company and its
outside  counsel believe that this action is without merit and does not meet the
requirements  for a class action.  The Company believes that plaintiffs claim to
the storage gas, which the Company has injected into the storage  facility,  has
no merit and is not  supported by the Arkansas gas storage  statute  under which
the  Company  operates  this  facility.  While the amount of this claim could be
significant,  management believes, based upon its investigation, that this claim
is without merit and that the Company's ultimate liability,  if any, will not be
material to its consolidated  financial position, but in any one period it could
be significant to its results of operations.

         The  Company  is  subject  to  laws  and  regulations  relating  to the
protection of the environment.  The Company's policy is to accrue  environmental
and cleanup related costs of a non-capital  nature when it is both probable that
a liability has been  incurred and when the amount can be reasonably  estimated.
Management  believes any future  remediation or other  compliance  related costs
will not have a material effect on the financial position or reported results of
operations of the Company.

         The Company is subject to other  litigation and claims that have arisen
in the ordinary  course of business.  The Company  accrues for such items when a
liability is both  probable and the amount can be reasonably  estimated.  In the
opinion of management, the results of such litigation and claims will not have a
material  effect on the results of operations  or the financial  position of the
Company.

ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

         No matters were submitted  during the fourth quarter of the fiscal year
ended December 31, 2000, to a vote of security holders, through the solicitation
of proxies or otherwise.

                                       19
<PAGE>
Executive Officers of the Registrant
<TABLE>
<CAPTION>
                                                                    Years Served
     Name                   Officer Position              Age        as Officer
- --------------------------------------------------------------------------------
<S>                   <C>                                 <C>           <C>
Harold M. Korell      President and Chief Executive
                      Officer and Director                56              4

Greg D. Kerley        Executive Vice President and
                      Chief Financial Officer             45             11

Richard F. Lane       Senior Vice President,
                      Southwestern Energy Production
                      Company and SEECO, Inc.             43              3

George A. Taaffe      Senior Vice President, General
                      Counsel and Secretary               54              2

Charles V. Stevens    Senior Vice President,
                      Arkansas Western Gas Company        51             12
</TABLE>

         Mr.  Korell was  appointed to his present  position in October 1998 and
assumed the position of Chief  Executive  Officer on January 1, 1999.  He joined
the Company in 1997 as Executive  Vice  President and Chief  Operating  Officer.
From 1992 to 1997, he was employed by American  Exploration Company where he was
most  recently  Senior Vice  President -  Operations.  From 1990 to 1992, he was
Executive Vice  President of McCormick  Resources and from 1973 to 1989, he held
various   positions  with  Tenneco  Oil  Company,   including  Vice   President,
Production.

         Mr.  Kerley was  appointed  to his present  position in December  1999.
Previously,  he served as Senior Vice President and Chief Financial Officer from
1998 to 1999, Senior Vice President - Treasurer and Secretary from 1997 to 1998,
Vice President - Treasurer and Secretary from 1992 to 1997, and Controller  from
1990 to 1992. Mr. Kerley also served as the Chief  Accounting  Officer from 1990
to 1998.

         Mr.  Lane was  appointed  to his present  position  in  February  2001.
Previously,  he served as Vice President - Exploration and he joined the Company
in February 1998 as Manager - Exploration. From 1993 to 1998, he was employed by
American  Exploration  Company where he was most recently  Offshore  Exploration
Manager.  Previously,  he held various  managerial and  geological  positions at
FINA, Inc. and Tenneco Oil Company.

         Mr.  Taaffe  joined the Company in his  present  position in July 1999.
Prior to joining the Company,  he served as Vice President and Assistant General
Counsel for  Consolidated  Natural Gas Company  from 1988 to 1999 and  Assistant
General Counsel for Joy Technologies from 1973 to 1988.

         Mr.  Stevens  has served  the  Company in his  present  position  since
December 1997.  Previously,  he served as Vice President of Arkansas Western Gas
Company from 1988 to 1997.

         All  officers  are  elected  at the  Annual  Meeting  of the  Board  of
Directors for one-year terms or until their  successors are duly elected.  There
are no  arrangements  between any officer and any other person pursuant to which
he was selected as an officer.  There is no family  relationship  between any of
the named executive officers or between any of them and the Company's directors.

                                       20
<PAGE>
Part II

ITEM 5. MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER MATTERS

         The  Company's  common  stock is traded on the New York Stock  Exchange
under the symbol "SWN." At December 31, 2000, the Company had 2,192 shareholders
of record. The following prices represent closing market transactions on the New
York Stock Exchange.
<TABLE>
<CAPTION>
                                Range of Market Prices             Cash Dividends Paid
Quarter Ended                 2000                  1999              2000      1999
- -------------           --------------------------------------------------------------
<S>                     <C>       <C>         <C>       <C>           <C>       <C>
March 31                 $7.44    $5.44        $8.50    $5.19         $.06      $.06
June 30                 $10.38    $6.06       $10.56    $6.06         $.06      $.06
September 30            $10.00    $6.13       $11.00    $7.38            -      $.06
December 31             $10.44    $7.25        $9.31    $5.63            -      $.06
</TABLE>

         On June 22, 2000, the Arkansas  Supreme Court affirmed a $109.3 million
judgment  against the Company  from a class  action  lawsuit  brought by royalty
owners.  As a result of the judgment,  the Company also  suspended its quarterly
dividend.  Dividends  totaling  $3.0 million were paid during 2000.  The Company
paid dividends at an annual rate of $.24 per share in 1999 and 1998.

                                       21
<PAGE>

ITEM 6. SELECTED FINANCIAL DATA
<TABLE>
<CAPTION>
                                                    2000         1999         1998         1997         1996         1995
- -------------------------------------------------------------------------------------------------------------------------
<S>                                           <C>          <C>          <C>          <C>          <C>          <C>
Financial Review (in thousands)
Operating revenues
  Exploration and production                    $110,920      $75,039      $86,232     $100,129      $86,978      $63,285
  Gas distribution                               151,234      132,420      134,711      154,155      142,730      119,452
  Gas marketing and other                        208,196      137,942       97,795       83,511       30,636       31,622
  Intersegment revenues                         (106,467)     (65,005)     (52,433)     (61,606)     (57,004)     (47,534)
- -------------------------------------------------------------------------------------------------------------------------
                                                 363,883      280,396      266,305      276,189      203,340      166,825
- -------------------------------------------------------------------------------------------------------------------------
Operating costs and expenses
  Gas purchases - utility                         58,669       45,370       39,863       46,806       42,851       37,133
  Gas purchases - marketing                      133,221       92,851       73,235       63,054       14,114       13,714
  Operating and general                           59,790       57,957       61,915       59,167       50,509       44,436
  Unusual items                                  111,288            -            -            -            -            -
  Depreciation, depletion and
    amortization                                  45,869       41,603       46,917       48,208       42,394       35,992
  Write-down of oil and gas properties                 -            -       66,383            -            -            -
  Taxes, other than income taxes                   8,515        6,557        6,943        7,018        5,476        4,362
- -------------------------------------------------------------------------------------------------------------------------
                                                 417,352      244,338      295,256      224,253      155,344      135,637
- -------------------------------------------------------------------------------------------------------------------------
Operating income                                 (53,469)      36,058      (28,951)      51,936       47,996       31,188
Interest expense, net                            (23,230)     (17,351)     (17,186)     (16,414)     (13,044)     (11,167)
Other income (expense)                             1,997       (2,331)      (3,956)      (5,017)      (4,015)      (1,227)
- -------------------------------------------------------------------------------------------------------------------------
Income before income taxes and
  extraordinary item                             (74,702)      16,376      (50,093)      30,505       30,937       18,794
- -------------------------------------------------------------------------------------------------------------------------
Income taxes:
  Current                                              -          537       (6,029)        (732)      (5,569)      (4,908)
  Deferred                                       (28,905)       5,912      (13,467)      12,522       17,320       12,167
- -------------------------------------------------------------------------------------------------------------------------
                                                 (28,905)       6,449      (19,496)      11,790       11,751        7,259
- -------------------------------------------------------------------------------------------------------------------------
Income (loss) before extraordinary item          (45,797)       9,927      (30,597)      18,715       19,186       11,535
Extraordinary item                                  (890)           -            -            -            -         (295)
- -------------------------------------------------------------------------------------------------------------------------
Net income (loss)                               $(46,687)      $9,927     $(30,597)     $18,715      $19,186      $11,240
=========================================================================================================================
Cash flow from operations, net of working
  capital changes (in thousands)                $(28,917)(1)  $58,131      $93,708      $79,483      $71,830      $56,177
Return on equity                                     n/a         5.21%         n/a         8.45%        9.23%        5.78%
=========================================================================================================================
Common Stock Statistics
Basic earnings (loss) per share before
  extraordinary item                              $(1.82)        $.40       $(1.23)        $.76         $.78         $.46
Basic and diluted earnings (loss) per share       $(1.86)        $.40       $(1.23)        $.76         $.78         $.45
Cash dividends declared and paid per share          $.12         $.24         $.24         $.24         $.24         $.24
Book value per share                               $5.61        $7.60        $7.45        $8.92        $8.41        $7.87
Market price at year-end                          $10.38        $6.56        $7.50       $12.88       $15.13       $12.75
Number of shareholders of record at year-end       2,192        2,268        2,333        2,379        2,572        2,759
Average shares outstanding                    25,043,586   24,941,550   24,882,170   24,738,882   24,705,256   25,130,781
=========================================================================================================================
</TABLE>
[FN]
(1) Cash flow from operations,  net of working capital  changes,  for 2000 would
have been $82.4  million  excluding  the  effects of unusual  and  extraordinary
items.
</FN>
                                       22
<PAGE>
<TABLE>
<CAPTION>
                                                       2000       1999       1998       1997       1996       1995
- ------------------------------------------------------------------------------------------------------------------
<S>                                                <C>        <C>        <C>        <C>        <C>        <C>
Capitalization (in thousands)
Total debt, including current portion              $396,000   $302,200   $283,436   $299,543   $278,285   $210,828
Common shareholders' equity                         141,291    190,356    185,856    221,565    207,941    194,504
- ------------------------------------------------------------------------------------------------------------------
Total capitalization                               $537,291   $492,556   $469,292   $521,108   $486,226   $405,332
- ------------------------------------------------------------------------------------------------------------------
Total assets                                       $705,378   $671,446   $647,620   $710,866   $660,190   $569,093
- ------------------------------------------------------------------------------------------------------------------
Capitalization ratios:
  Debt                                                73.70%     61.35%     60.27%     57.23%     56.96%     51.65%
  Equity                                              26.30%     38.65%     39.73%     42.77%     43.04%     48.35%
==================================================================================================================
Capital Expenditures (in millions)
Exploration and production                            $69.2      $59.0      $52.4      $73.5     $110.3      $82.2
Gas distribution                                        6.0        7.1       10.1       12.6       12.8       18.5
Other                                                    .5         .9        1.9        2.7        1.8         .9
- ------------------------------------------------------------------------------------------------------------------
                                                      $75.7      $67.0      $64.4      $88.8     $124.9     $101.6
==================================================================================================================
Exploration and Production
Natural gas:
  Production, Bcf                                      31.6       29.4       32.7       33.4       34.8       34.5
  Average price per Mcf                               $2.88      $2.21      $2.34      $2.57      $2.26      $1.72
Oil:
  Production, MBbls                                     676        578        703        749        391        229
  Average price per barrel                           $22.99     $17.11     $13.60     $19.02     $21.21     $17.15
Total gas and oil production, Bcfe                     35.7       32.9       36.9       37.9       37.1       35.9
Average production (lifting) cost per Mcf equivalent   $.55       $.44       $.43       $.45       $.29       $.22
Proved reserves at year-end:
  Natural gas, Bcf                                    331.8      307.5      303.7      291.4      297.5      294.9
  Oil, MBbls                                          8,130      7,859      6,850      7,852      8,238      2,152
  Total reserves, Bcf equivalent                      380.6      354.7      344.8      338.5      346.9      307.8
==================================================================================================================
Gas Distribution (1)
Sales and transportation volumes, Bcf:
  Residential                                          10.9       10.8       11.1       12.6       13.4       12.1
  Commercial                                            7.6        7.6        7.6        8.4        8.8        7.6
  Industrial                                            3.5        3.5        4.2        6.6        7.7        7.7
  End-use transportation                                8.3        9.6        8.8        6.6        5.5        5.2
- ------------------------------------------------------------------------------------------------------------------
                                                       30.3       31.5       31.7       34.2       35.4       32.6
  Off-system transportation                             3.1        4.8        1.1        2.8        3.6        9.8
- ------------------------------------------------------------------------------------------------------------------
                                                       33.4       36.3       32.8       37.0       39.0       42.4
- ------------------------------------------------------------------------------------------------------------------
Customers - year-end
  Residential                                       119,024    158,606    156,384    154,864    151,880    147,267
  Commercial                                         16,282     21,929     22,229     21,431     20,845     20,109
  Industrial                                            228        290        303        311        326        340
- ------------------------------------------------------------------------------------------------------------------
                                                    135,534    180,825    178,916    176,606    173,051    167,716
- ------------------------------------------------------------------------------------------------------------------
Degree days                                           3,994      3,179      3,472      4,131      4,341      4,064
Percent of normal                                       100%        79%        87%       103%       108%       102%
==================================================================================================================
</TABLE>
[FN]
(1)  Gas  distribution  statistics  include  the  operations  of  the  Company's
     Missouri properties through the sale date of May 31, 2000.
</FN>
                                       23
<PAGE>
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL  CONDITION AND RESULTS
OF OPERATIONS

         The  following  information  should  be read in  conjunction  with  the
information contained in the financial statements and the notes thereto included
in Item 8. of this  report  and with the  discussion  below on  "Forward-Looking
Information."  Certain  reclassifications  have been  made to the  prior  years'
financial   statements   to   conform   with   the  2000   presentation.   These
reclassifications had no effect on previously reported net income.

RESULTS OF OPERATIONS
         The Company  reported a net loss of $46.7 million,  or $1.86 per share,
for 2000,  compared to net income of $9.9 million,  or $.40 per share,  for 1999
and a net loss of $30.6 million,  or $1.23 per share, in 1998. The loss for 2000
includes one-time charges for unusual items, including a $109.3 million judgment
in the Hales  lawsuit (see Note 1 to the  financial  statements  for  additional
discussion) and a $2.0 million accrual for on-going litigation, an extraordinary
loss on the early  retirement of debt,  and a $3.2 million gain from the sale of
the Company's Missouri utility  properties.  Exclusive of these one-time charges
and the gain on sale, net income for 2000 would have been $20.5 million, or $.82
per  share.  The loss for 1998  reflects  the impact of an  after-tax,  non-cash
ceiling  test  write-down  of the  Company's  oil and gas  properties  of  $40.5
million,  or $1.63 per share.  Excluding the non-cash charge,  the Company would
have recognized net income of $9.9 million, or $.40 per share in 1998.

         Results for 2000, exclusive of the one-time charges and the gain on the
sale of the utility  properties,  reflect both  increased oil and gas production
and higher oil and gas prices  realized,  offset by higher operating and general
expenses and higher depreciation,  depletion and amortization  expense.  Results
for 1999 and 1998 were  negatively  impacted  by lower  wellhead  prices for the
Company's oil and gas production and by unseasonably warm weather.

Exploration and Production
         The   Company's   exploration   and   production   segment's   revenue,
profitability  and  future  rate of  growth  are  substantially  dependent  upon
prevailing  prices for natural gas and oil,  which are  dependent  upon numerous
factors  beyond  its  control,  such  as  economic,   political  and  regulatory
developments  and competition  from other sources of energy.  The energy markets
have historically been very volatile, and there can be no assurance that oil and
gas prices will not be subject to wide fluctuations in the future.
<TABLE>
<CAPTION>
                                              2000            1999         1998
                                          --------------------------------------
<S>                                       <C>              <C>         <C>
Revenues (in thousands)                   $110,920         $75,039      $86,232
Operating income (loss) (in thousands)    $(70,584)(1)     $16,451     $(47,273)(2)

Gas production (Bcf)                          31.6            29.4         32.7
Oil production (MBbls)                         676             578          703
Total production (Bcfe)                       35.7            32.9         36.9

Average gas price per Mcf                    $2.88           $2.21        $2.34
Average oil price per Bbl                   $22.99          $17.11       $13.60

Operating expenses per Mcfe
  Production expenses                        $0.40           $0.35        $0.34
  Production taxes                           $0.15           $0.09        $0.09
  General & administrative expenses          $0.32           $0.30        $0.34
  Full cost pool amortization                $1.06           $1.00        $1.04
</TABLE>
[FN]
(1) Includes a charge of $109.3  million for the Hales  judgment and a charge of
    $2.0 million related to on-going litigation. Excluding these unusual  items,
    operating  income for the exploration and production segment would have been
    $40.7 million for 2000.
(2) Includes  a full  cost  pool  ceiling  test  write-down  of  $66.4  million.
    Excluding this non-cash write-down,  operating income would have  been $19.1
    million for 1998.
</FN>
                                       24
<PAGE>
Revenues and Operating Income
         The Company's exploration and production revenues increased 48% in 2000
and  decreased  13% in 1999.  The  increase  in 2000 was due to an  increase  in
production and higher average prices received. The decrease in 1999 revenues was
due to lower  volumes  of oil and gas  produced  and a lower  average  gas price
received.

         Operating  income of the exploration  and production  segment was $40.7
million in 2000 excluding the impact of the Hales judgment and the other unusual
items,  compared to $16.5 million in 1999,  and $19.1 million in 1998  excluding
the impact of the non-cash write-down of oil and gas properties. The increase in
2000 was due to an 8% increase in equivalent  oil and gas  production and higher
oil and gas prices realized,  partially offset by increased  operating costs and
expenses.  The  decrease  in  1999  was  due  primarily  to an 11%  decrease  in
equivalent oil and gas production volumes.

Production
         Gas and oil  production  totaled  35.7  billion  cubic feet  equivalent
(Bcfe) in 2000,  32.9 Bcfe in 1999 and 36.9 Bcfe in 1998.  The  increase in 2000
production  volumes  resulted  from  new  wells  added  in 2000  and 1999 in the
Company's Permian Basin and south Louisiana operating areas, partially offset by
the  loss of  production  from  certain  wells  in the  Company's  Mid-Continent
operating  area that were sold at auction  during  2000.  The  decrease  in 1999
production  was  due to the  combined  effects  of  production  declines  in the
Company's outside operated properties  resulting from the industry slowdown that
began  in  1998,  production  declines  in  some  of the  Company's  Gulf  Coast
properties,  and the loss of production from marginal  properties that were sold
in 1999.

         Gas sales to  unaffiliated  purchasers  were 23.8 Bcf in 2000,  up from
21.2 Bcf in 1999 and 21.4 Bcf in  1998.  Sales to  unaffiliated  purchasers  are
primarily made under contracts which reflect current short-term prices and which
are subject to seasonal price swings.

         Intersegment  sales to Arkansas  Western Gas Company (AWG), the utility
subsidiary which operates the Company's  northwest Arkansas utility system, were
5.1 Bcf in both 2000 and 1999 and 7.7 Bcf in 1998.  Although weather as measured
in degree days was normal in 2000 and colder  than 1999,  sales to AWG were flat
as record cold weather in the months of November and December caused the Company
to  utilize  its  storage  facilities  in  addition  to gas  production  to meet
contractual  commitments  to AWG.  Affiliated  deliveries  for 1999 were down as
unseasonably  warm weather  decreased AWG's demand for the Company's gas supply.
The Company's gas production provided approximately 36% of AWG's requirements in
2000, 38% in 1999 and 55% in 1998.

         Prior to 1999,  most of the sales to AWG's  system were  pursuant to an
intersegment  long-term  contract entered into in 1978 with SEECO, Inc. (SEECO).
In October 1998, AWG instituted a competitive bidding process for its gas supply
that included seven different packages.  These bid requests included replacement
of the gas supply and no-notice service previously provided by the long-term gas
supply contract  between AWG and SEECO.  In the initial 1998 bid,  SEECO,  along
with the Company's marketing  subsidiary,  successfully bid on five of the seven
packages with prices based on the NorAm East Index plus a demand  charge.  Based
on normal  weather  patterns,  the volumes of gas projected to be supplied under
these contracts would be  approximately  equal to the historical  annual volumes
sold under the expired long-term contract. However, under the new contracts, the
Company  supplied most of AWG's  no-notice  service and less of its routine base
requirements than it had under the previous  contract.  During periods of warmer
weather,  as in early 2000 and in 1999 and 1998, lower total gas volumes will be
sold to AWG than  compared  to  periods of normal or colder  weather.  The total
premium  over the NorAm East Index  under these  contracts  is  estimated  to be
approximately  $1.0 million lower  (after-tax)  than the annual  premium  earned
under the expired  long-term  contract.  The majority of the premium is received
through monthly demand charges which are received regardless of volumes actually
delivered.  Other sales to AWG are made under long-term  contracts with flexible
pricing provisions.

                                       25
<PAGE>
         Of the five bid packages originally secured by the Company,  three were
for a 3-year term,  one was for a 2-year term and one was for a 1-year term. The
Company  was  unsuccessful  in  subsequent  bidding  for the  2-year  and 1-year
packages and no longer makes affiliated sales under those contracts.  There were
no demand  fees  associated  with these two bid  packages.  In total,  these two
packages  provided  approximately  2.5 Bcf  annually  of AWG's gas  supply.  Gas
volumes previously sold at market prices to AWG under these two packages are now
sold to unaffiliated parties. The three remaining packages will again be put out
to bid by AWG in 2001. The Company will bid to retain these gas supply  packages
although there is no assurance that it will be  successful.  If successful,  the
Company cannot  predict the amount of premium that would be associated  with the
new contracts.

         The  Company's  intersegment  sales to  Associated  Natural Gas Company
(Associated),  a  division  of AWG which  operates  the  Company's  natural  gas
distribution  system in  northeast  Arkansas,  were 2.7 Bcf in 2000,  3.1 Bcf in
1999, and 3.6 Bcf in 1998. Affiliated deliveries to Associated decreased in 2000
due to the  sale  of  Associated's  Missouri  utility  operations  in May  2000.
Deliveries  to  Associated  decreased  in 1999 due  primarily  to  corresponding
changes in  heating  weather.  Effective  October  1990,  SEECO  entered  into a
ten-year contract with Associated to supply a portion of its system requirements
at a price  to be  redetermined  annually.  For the  contract  period  beginning
October 1, 1997, the contract was revised to redetermine the sales price monthly
based on an index  posting  plus a  reservation  fee.  Effective  October  2000,
Associated  placed its gas supply out for  competitive  bids.  The  Company  was
successful in obtaining a one-year bid to supply  approximately  1.0 Bcf of gas,
or approximately 40% of Associated's annual requirement  assuming normal weather
patterns.

         The Company  expects  future  increases in its gas  production  to come
primarily  from  sales to  unaffiliated  purchasers.  The  Company  is unable to
predict  changes  in the  market  demand and price for  natural  gas,  including
changes  which  may be  induced  by the  effects  of  weather  on demand of both
affiliated   and   unaffiliated   customers   for  the   Company's   production.
Additionally,  the Company holds a large amount of undeveloped leasehold acreage
and producing  acreage,  and has an inventory of drilling  leads,  prospects and
seismic data that will continue to be evaluated and developed in the future. The
Company's  exploration  programs have been directed primarily toward natural gas
in recent years.

Commodity Prices
         The overall average price realized for the Company's gas production was
$2.88  per Mcf in 2000,  $2.21 per Mcf in 1999,  and $2.34 per Mcf in 1998.  The
changes in the average  price  realized  primarily  reflects  changes in average
annual  spot  market  prices and the  effects  of the  Company's  price  hedging
activities. The Company's hedging activities lowered the average gas price $1.04
per Mcf in 2000 and $.06 per Mcf in 1999,  and added $.19 per Mcf to the average
gas price in 1998.  Additionally,  the Company  receives  monthly demand charges
related to the no-notice service it makes available to the utility segment which
increases the Company's average gas price received.

         The Company  realized an average price of $22.99 per barrel for its oil
production  for the year ended  December 31, 2000, up from $17.11 per barrel for
1999 and $13.60 per barrel for 1998.

         The Company periodically enters into hedging activities with respect to
a portion  of its  projected  crude oil and  natural  gas  production  through a
variety of  financial  arrangements  intended  to support  oil and gas prices at
targeted levels and to minimize the impact of price  fluctuations (see Note 8 of
the financial  statements for  additional  discussion).  The Company's  policies
prohibit   speculation   with   derivatives   and  limit  swap   agreements   to
counterparties  with  appropriate  credit  standings.  At December 31, 2000, the
Company  had hedges in place on 34.7 Bcf of future gas  production  and  697,000
barrels of future oil  production.  Subsequent to December 31, 2000, the Company
closed its position on 298,000 barrels with a floor price of $18.00. The Company
currently has hedged  approximately  80% of its 2001  anticipated gas production
levels and 50% of its projected oil production.

                                       26
<PAGE>
         Disregarding  the impact of hedges,  the  Company  expects  the average
price it  receives  for its total gas  production  to be  slightly  higher  than
average  spot market  prices due to the prices it receives  under the  contracts
covering its  intersegment  sales which provide swing  services to the Company's
utility  systems.  Future  changes in revenues  from sales of the  Company's gas
production will be dependent upon changes in the market price for gas, access to
new markets, maintenance of existing markets, and additions of new gas reserves.

Operating Costs and Expenses
         Production  expenses  per  Mcfe  for this  segment  were  $.40 in 2000,
compared to $.35 in 1999 and $.34 in 1998.  Production  taxes per Mcfe were $.15
in 2000  compared  to $.09 in both 1999 and 1998.  The  increase  in  production
expenses per Mcfe in 2000 was due primarily to an increase in workover expenses.
The increase in 2000  production  taxes per Mcfe was due to increased  severance
and ad valorem  taxes that resulted from higher  commodity  prices.  General and
administrative  expense per Mcfe was $.32 in 2000,  compared to $.30 in 1999 and
$.34 in 1998.  The  increase  in  general  and  administrative  costs in 2000 as
compared to 1999 resulted from increases in incentive  compensation  pay that is
dependent  upon the  operating  results for this  segment.  The decrease in 1999
general and  administrative  costs as compared to 1998 resulted  from  severance
costs and other costs  related to the  closing of the  Company's  Oklahoma  City
office in 1998.

         The Company's full cost pool  amortization rate averaged $1.06 per Mcfe
for 2000,  compared  to $1.00  per Mcfe in 1999 and $1.04 per Mcfe in 1998.  The
average rate  increased in 2000 due  primarily to a $9.9 million  decline in the
balance of unevaluated  costs excluded from  amortization in the full cost pool.
The rate  decreased  in 1999 as  compared  to 1998 due to the full cost  ceiling
write-down taken in 1998.

         The  Company  utilizes  the full cost  method of  accounting  for costs
related to its oil and natural gas properties. Under this method, all such costs
(productive  and  nonproductive)  are  capitalized and amortized on an aggregate
basis over the estimated lives of the properties  using the  units-of-production
method.  These capitalized costs are subject to a ceiling test,  however,  which
limits such pooled  costs to the  aggregate  of the present  value of future net
revenues  attributable  to proved gas and oil reserves  discounted at 10 percent
(standardized  measure)  plus the  lower  of cost or  market  value of  unproved
properties.  At December 31, 2000, 1999 and 1998 the Company's unamortized costs
of oil and gas properties did not exceed this ceiling  amount.  Primarily due to
high oil and gas  prices in  effect  at  year-end,  the  Company's  standardized
measure  increased to $895.1  million at December  31, 2000,  compared to $262.1
million at December 31, 1999 and $222.8  million at December  31,  1998.  Market
prices for natural gas have declined since December 31, 2000,  although they are
still considerably  higher than prices in effect at year-end 1999 and 1998. As a
comparative  measure only,  the Company's  standardized  measure at December 31,
2000,  assuming a NYMEX  index  price of $4.50 per Mcf and a WTI index  price of
$25.00 per barrel,  would have been  approximately  $487.0 million. A decline in
oil and gas prices from  year-end  2000 levels or other  factors,  without other
mitigating  circumstances,  could cause a future write-down of capitalized costs
and a noncash charge against future earnings.

         Inflation  impacts the Company by generally  increasing  its  operating
costs and the costs of its capital  additions.  The effects of  inflation on the
Company's  operations  in recent  years have been  minimal due to low  inflation
rates. However, during 2000 the impact of inflation intensified in certain areas
of the Company's  exploration  and  production  segment as shortages in drilling
rigs,  third party  services and  qualified  labor  developed  due to an overall
increase in the activity level of the domestic oil and gas industry. This impact
is  continuing  into 2001 with the  significant  increases in oil and gas prices
experienced  during the past  several  months.  Increased  competition  in south
Louisiana  has also had the impact of  increasing  3-D seismic and land costs in
the area.

                                       27
<PAGE>
Gas Distribution
         The operating  results of the Company's  gas  distribution  segment are
highly  seasonal.  The extent and  duration of heating  weather also impacts the
profitability of this segment,  although the Company has a weather normalization
clause that lessens the impact of revenue  increases and  decreases  which might
result  from  weather  variations  during the  winter  heating  season.  The gas
distribution  segment's  profitability  is also  dependent  upon the  timing and
amount of  regulatory  rate  increases  that are filed with and  approved by the
Arkansas Public Service  Commission  (APSC).  For periods  subsequent to allowed
rate increases, the Company's profitability is impacted by its ability to manage
and control this segment's operating costs and expenses.

         On May 31,  2000,  the Company  completed  the sale of its Missouri gas
distribution  assets for $32.0  million.  The sale resulted in a pre-tax gain of
approximately  $3.2  million  and  proceeds  from the sale were used to pay down
debt.  As a  result  of the  adverse  Hales  judgment,  the  Company's  Board of
Directors  authorized  management to pursue the sale of the Company's  remaining
gas  distribution  operations.  The sale process did not result in an acceptable
bid.  Although the Company may sell its gas distribution  segment in the future,
it currently plans to operate these assets as a continuing part of its business.
<TABLE>
<CAPTION>
                                         2000              1999             1998
                                     -------------------------------------------
                                        ($ in thousands, except for Mcf amounts)
<S>                                  <C>               <C>              <C>
Revenues                             $151,234          $132,420         $134,711
Gas purchases                         $93,992           $68,876          $70,972
Operating costs and expenses          $42,587           $46,357          $47,710
Operating income                      $14,655           $17,187          $16,029

Deliveries (Bcf)
  Sales and end-use transportation       30.4              31.6             31.7
  Off-system transportation               3.1               4.8              1.1

Average number of customers           152,773           177,328          174,693
Average sales rate per Mcf              $6.55             $5.67            $5.57

Heating weather - degree days           3,994             3,179            3,472
  Percent of normal                       100%               79%             87%
</TABLE>
Note: Amounts and statistics  for 2000, 1999 and 1998 include  the operations of
the Company's Missouri properties through the sale date of May 31, 2000.

Revenues and Operating Income
         Gas  distribution  revenues  fluctuate due to the  pass-through  of gas
supply  cost  changes  and  due  to  the  effects  of  weather.  Because  of the
corresponding  changes  in  purchased  gas  costs,  the  revenue  effect  of the
pass-through of gas cost changes has not materially affected net income.

         Gas  distribution  revenues  increased  14% in 2000 and decreased 2% in
1999.  The increase in 2000 was due to a higher sales rate and  increased  sales
volumes  caused  by colder  weather,  partially  offset by the loss of  revenues
resulting from the sale of the utility's  Missouri assets.  The decrease in 1999
was due to the  effects  of warmer  weather.  Weather in 2000 was normal and 26%
colder  than the prior  year.  Weather in 1999 was 21% warmer than normal and 8%
warmer than the prior year.

         Operating income for  Southwestern's  utility systems  decreased 15% in
2000 and  increased 7% in 1999.  The decrease in 2000  resulted from the sale of
the  Missouri  assets  and  a  $1.4  million  annual  rate  reduction  that  was
implemented  in December  1999.  The  increase in 1999 was due to the  Company's
efforts in reducing operating costs and to customer growth.

                                       28
<PAGE>
Deliveries and Rates
         In 2000, AWG sold 16.8 Bcf to its customers at an average rate of $6.45
per Mcf, compared to 14.5 Bcf at $5.47 per Mcf in 1999 and 15.1 Bcf at $5.37 per
Mcf in 1998. Additionally, AWG transported 6.3 Bcf in 2000, 6.2 Bcf in 1999, and
6.0 Bcf in 1998  for  its  end-use  customers.  Associated  sold  5.3 Bcf to its
customers  in 2000 at an average  rate of $6.89 per Mcf,  compared to 7.4 Bcf in
1999  at  $6.06  per  Mcf and 7.8  Bcf at  $5.95  per  Mcf in  1998.  Associated
transported  2.0 Bcf for its end-use  customers in 2000,  compared to 3.4 Bcf in
1999  and 2.8 Bcf in  1998.  The  decrease  in the  combined  volumes  sold  and
transported for end-use customers in 2000 resulted from the sale of the Missouri
properties,  offset by increased deliveries due to colder weather, and decreased
in 1999  due to  warmer  weather,  partially  offset  by  customer  growth.  The
fluctuations  in the average sales rates reflect  changes in the average cost of
gas purchased for delivery to the Company's customers,  which are passed through
to customers under automatic adjustment clauses.

         Total  deliveries  to  industrial  customers  of  AWG  and  Associated,
including  transportation  volumes,  were 11.8 Bcf in 2000, 13.1 Bcf in 1999 and
13.0 Bcf in 1998.  The decline in  deliveries  in 2000 resulted from the sale of
the Missouri  assets.  AWG also transported 3.1 Bcf of gas through its gathering
system in 2000 for  off-system  deliveries,  all to the  Ozark Gas  Transmission
System, compared to 4.8 Bcf in 1999 and 1.1 Bcf in 1998. The level of off-system
deliveries each year generally  reflects the changes of on-system demands of the
Company's gas distribution systems for the Company's gas production. The average
off-system  transportation  rate was  approximately  $.10 per Mcf,  exclusive of
fuel, in 2000 and 1999, and $.11 per Mcf in 1998.

         Gas  distribution  revenues  in future  years will be  impacted  by the
utility's  gas  purchase  costs,  the  sale of the  Company's  Missouri  assets,
customer growth and rate increases allowed by the APSC. In recent years, AWG has
experienced customer growth of approximately 2% to 3% annually, while Associated
has experienced  customer growth of approximately 1% or less annually.  Based on
current economic  conditions in the Company's service  territories,  the Company
expects this trend in customer growth to continue.

         In  February  2001,  the APSC  approved  a 90-day  temporary  tariff to
collect  additional gas costs not yet billed to customers  through the utility's
normal purchased gas adjustment clause in its approved tariffs.  The Company had
under-recovered  purchased  gas  costs of $12.9  million  in  current  assets at
December 31, 2000.  The level of deferred  purchases had increased to over $30.0
million  during January 2001 as a result of rapidly  increasing  gas costs.  The
temporary  tariff allows the utility to bill  customers an additional  $3.00 per
Mcf of usage and is expected to generate  $14.0 to $15.0  million of  additional
cash flow during the next few months allowing the Company faster recovery of gas
costs already incurred.

         Tariffs  implemented  in Arkansas as a result of rate increases in both
1996 and 1997  contain a weather  normalization  clause to lessen  the impact of
revenue  increases  and  decreases  which might result from  weather  variations
during the winter heating season. Rate increase requests,  which may be filed in
the future, will depend on customer growth, increases in operating expenses, and
additional investment in property, plant and equipment. See "Regulatory Matters"
below for  additional  discussion  related  to the  Company's  gas  distribution
segment.

Operating Costs and Expenses
         The changes in  purchased  gas costs for the gas  distribution  segment
reflect volumes purchased,  prices paid for supplies,  the mix of purchases from
intercompany  versus  third party  sources  and the sale of  Missouri  assets as
discussed  above.  Other  operating  costs and expenses of the gas  distribution
segment for 2000 were lower than 1999 and 1998 due  primarily to the sale of the
utility's Missouri assets.

         Going forward, Southwestern's comparative operating results for its gas
distribution  segment will be lower  reflecting the Missouri asset  divestiture.
However,  the Company does not expect the sale to materially impact consolidated
earnings,  as the loss in  operating  income  should  generally  be  offset by a
corresponding decrease in corporate interest expense.

                                       29
<PAGE>
         Inflation  impacts the Company's gas distribution  segment by generally
increasing  its  operating  costs and the costs of its  capital  additions.  The
effects of  inflation  on the  utility's  operations  in recent  years have been
minimal  due  to low  inflation  rates.  Additionally,  delays  inherent  in the
rate-making  process  prevent the Company from obtaining  immediate  recovery of
increased operating costs of its gas distribution segment.

Regulatory Matters
         In May 1999,  the Staff of the APSC  initiated a proceeding in which it
sought  an annual  reduction  of  approximately  $2.3  million  in the rates AWG
charges it customers in northwest  Arkansas.  The Staff's  position was based on
various  adjustments to the utility's  rate base,  operating  expenses,  capital
structure  and rate of return.  A large  portion of the proposed  reduction  was
based on a downward  adjustment to the utility's return on equity  authorized by
the APSC in  1996.  During  the  third  quarter  of 1999,  the  Company  reached
agreement with the Staff and the APSC to resolve this issue and to close several
other dockets that had remained open. In the settlement  agreement,  the Company
agreed to reduce its rates  collected from  customers on a prospective  basis in
the amount of $1.4 million annually,  effective  December 1, 1999. The agreement
also includes the  resolution of a proceeding  initiated in December 1998 by the
Staff of the APSC and that was  previously  disclosed  by the Company  where the
Staff had recommended  the  disallowance  of  approximately  $3.1 million of gas
supply costs. As part of the settlement, this docket was closed with no negative
adjustment to the Company.

         The Company  received  approvals in December 1997 from the APSC and the
Missouri Public Service  Commission (MPSC) for rate increases and tariff changes
which allow the utility to collect an additional $3.0 million  annually.  Of the
$3.0  million  total,  approximately  $2.0  million  is in the form of base rate
increases  and $1.0 million is related to the  increased  cost of service of the
Company's  gathering  plant which is recovered  through either the purchased gas
adjustment clause or through direct charges to transportation customers.

         In its order approving the Missouri  changes,  the MPSC further ordered
Associated to modify its purchased gas adjustment  tariff to remove any specific
language   referencing  recovery  of  the  cost  of  service  of  its  gathering
facilities.  The MPSC order  provided  that  Associated  should  base  gathering
charges to its customers on competitive  market  conditions and that it would be
allowed  recovery from its sales and  transportation  customers of all prudently
incurred  gathering  costs  without  reference to its cost of service.  The MPSC
reviews these gathering costs annually as part of its review of Associated's gas
costs.  Associated  believes that the MPSC lacks statutory  authority to approve
charges which are not based on historical cost of service.  Associated  appealed
this issue to the circuit  court  which ruled in favor of the MPSC.  The Company
appealed  the lower  court's  decision to the  Missouri  Court of Appeals  which
requested  that the MPSC  reissue  its  order  making  clear  the  basis for its
decision. The Company continued to bill its ratepayers gas gathering costs based
on its cost of  service  through  the date of the sale of its  Missouri  assets.
Gathering costs have been recovered in this manner from Missouri customers since
Associated's 1990 rate case. Prior to the 1997 changes,  Associated's  gathering
costs were recovered from Arkansas customers through its base rates.

         A December  1996 rate  increase  order issued by the APSC also provided
that AWG cause to be filed with the APSC an independent  study of its procedures
for  allocating  costs  between  regulated  and  non-regulated  operations,  its
staffing levels and executive compensation. The independent study was ordered by
the APSC to address  issues raised by the Office of the Attorney  General of the
State of Arkansas. The study was conducted in 1999 with a final report issued in
December  1999.  The report found the  Company's  costs to be  reasonable in all
categories and did not recommend any changes to the rates currently in effect.

         The Company is subject to continuing  reviews of it gas supply costs by
the APSC. The MPSC is currently auditing the last year of Associated's gas costs
in Missouri.  The Company currently has open issues with the MPSC, however,  the
Company  believes that none of these issues will have a material  adverse effect
on the Company's financial condition or results of operations.

                                       30
<PAGE>
         AWG also purchases gas from  unaffiliated  producers under  take-or-pay
contracts.  The Company believes that it does not have a significant exposure to
liabilities resulting from these contracts and expects to be able to continue to
satisfactorily manage its exposure to take-or-pay liabilities.

Marketing and Other
Marketing
<TABLE>
<CAPTION>
                                         2000              1999             1998
                                       -----------------------------------------
<S>                                    <C>               <C>               <C>
Revenues (in thousands)                $207.7            $137.5            $97.2
Operating income (in thousands)          $2.5              $2.1             $1.8
Gas volumes marketed (Bcf)               59.6              63.1             49.6
</TABLE>

         Operating income for the marketing segment was $2.5 million on revenues
of $207.7  million  in 2000,  compared  to $2.1  million on  revenues  of $137.5
million in 1999,  and $1.8  million on  revenues of $97.2  million in 1998.  The
Company marketed 59.6 Bcf in 2000,  compared to 63.1 Bcf in 1999 and 49.6 Bcf in
1998.  The  Company  enters  into  hedging  activities  with  respect to its gas
marketing  activities to provide margin  protection (see Note 8 of the financial
statements for additional discussion).

NOARK Partnership
         The  marketing  segment also manages the  Company's 25% interest in the
NOARK Pipeline System,  Limited  Partnership  (NOARK).  The NOARK Pipeline was a
258-mile long intrastate gas  transmission  system that extended across northern
Arkansas, crossing three major interstate pipelines and interconnecting with the
Company's  distribution  systems.  The NOARK Pipeline had been  operating  below
capacity and generating losses since it was placed in service in September 1992.
The Company's share of the pretax loss from operations  included in other income
related to its NOARK  investment was $1.8 million in 2000, $2.0 million in 1999,
and  $3.1  million  in 1998.  The  improvements  in the  2000  and 1999  results
primarily  reflect the benefits of the  integration of the NOARK Pipeline System
with the Ozark Gas  Transmission  System  (Ozark).  The  integration  of the two
systems was completed in November, 1998.

         In January 1998, the Company entered into an agreement with Enogex Inc.
(Enogex),  a  subsidiary  of OGE Energy  Corp.,  to expand the NOARK  system and
provide  access to Oklahoma gas supplies  through an  integration  of NOARK with
Ozark.  Ozark was a 437-mile  interstate  pipeline system which began in eastern
Oklahoma and terminated in eastern  Arkansas.  Effective August 1, 1998,  Enogex
acquired Ozark and  contributed  the pipeline  system to the NOARK  partnership.
Enogex also acquired the NOARK  partnership  interests not held by Southwestern.
Enogex funded the  acquisition of Ozark and the expansion and  integration  with
NOARK, which resulted in the Company's interest in the partnership decreasing to
25% with  Enogex  owning  a 75%  interest.  There  are  also  provisions  in the
agreement with Enogex which allow for future revenue  allocations to the Company
above its 25%  partnership  interest if certain  minimum  throughput and revenue
assumptions are not met. As a result of the changes discussed above, the Company
believes  that it  will  be  able  to  continue  to  reduce  the  losses  it has
experienced  on the NOARK  project  and expects  its  investment  in NOARK to be
realized over the life of the system (see Note 7 of the financial statements for
additional discussion).

         Ozark Pipeline,  the new integrated system became operational  November
1, 1998, and includes 749 miles of pipeline with a total throughput  capacity of
330 MMcfd.  Deliveries are currently  being made by the  integrated  pipeline to
portions of AWG's  distribution  system,  to  Associated,  and to the interstate
pipelines  with which it  interconnects.  Ozark  Pipeline  had an average  daily
throughput  of 188  million  cubic  feet of gas per day  (MMcfd) in 2000 and 168
MMcfd in 1999.  In 1998,  NOARK had an average  daily  throughput  of 27.3 MMcfd
before the  integration  with  Ozark.  As a result of a rate case filed in 2000,
Ozark Pipeline's maximum transportation rate increased from $.2455 per dekatherm
to $.2867 per dekatherm  effective  November 1, 2000. At December 31, 2000,  the
Company's gas distribution  subsidiary has  transportation  contracts with Ozark
Pipeline for 66.9 MMcfd of firm  capacity.  These  contracts  expire in 2002 and
2003 and are  renewable  annually  thereafter  until  terminated  with 180 days'
notice.

                                       31
<PAGE>
         As  further  explained  in Note  11 of the  financial  statements,  the
Company has severally guaranteed 60% of NOARK's currently outstanding debt. This
debt financed a portion of the original cost to construct the NOARK Pipeline.

Other Income, Costs and Expenses
         Interest costs,  net of  capitalization,  were up 34% in 2000 and 1% in
1999, both as compared to prior years. The increase in 2000 was caused primarily
by higher  average  borrowings  that resulted from payment of the Hales judgment
and to the current lower level of capitalized  interest related to the Company's
oil and gas properties.  Interest  capitalized  decreased 26% in 2000 and 15% in
1999. The changes in capitalized  interest are due primarily to decreases in the
level of costs  excluded from  amortization  in the  exploration  and production
segment.

         The  increase in other  income in 2000  resulted  from the $3.2 million
gain on the sale of the  Company's  Missouri gas  distribution  assets and gains
from the sale of other miscellaneous assets. The changes in other income in 1999
and 1998 relate  primarily to changes in the Company's share of operating losses
incurred  by  NOARK,  as  discussed  above.  Additionally,  in 1999 and 1998 the
Company  incurred  certain costs related to a judgment bond that the Company was
required to post after receiving the initial adverse verdict in the Hales case.

         The Hales judgment was the primary cause for the Company's deferred tax
benefit of $28.9 million in 2000. In 1998,  the  write-down of the Company's oil
and gas  properties  resulted  in a  deferred  tax  benefit  of  $25.9  million.
Excluding the impacts of these changes in deferred income taxes,  the changes in
the provisions  for current and deferred  income taxes recorded each year result
primarily from the level of taxable  income,  the collection of  under-recovered
purchased gas costs,  abandoned  property costs, and the deduction of intangible
drilling  costs  in the year  incurred  for tax  purposes,  netted  against  the
turnaround  of  intangible  drilling  costs  deducted  for tax purposes in prior
years. Intangible drilling costs are capitalized and amortized over future years
for financial reporting purposes under the full cost method of accounting.

LIQUIDITY AND CAPITAL RESOURCES
         The Company  depends on  internally  generated  funds and its revolving
line of credit  discussed under  Financing  Requirements as its major sources of
liquidity.  Due to the Hales judgment and the impact of high year-end gas prices
on working capital,  net cash used in operating  activities was $53.2 million in
2000, compared to cash provided by operating activities of $58.1 million in 1999
and $93.7  million  in 1998.  The  primary  components  of cash  generated  from
operations are net income, depreciation, depletion and amortization,  write-down
of oil and gas  properties,  the provision for deferred income taxes and changes
in current assets and current  liabilities.  Net cash from operating  activities
provided  89%  of  the  Company's  capital   requirements  for  routine  capital
expenditures, cash dividends, and scheduled debt retirements in 1999 and 125% in
1998.

Capital Expenditures
         Capital  expenditures  totaled $75.7 million in 2000,  $67.0 million in
1999,  and $64.4  million in 1998.  The  Company's  exploration  and  production
segment expenditures  included  acquisitions of oil and gas producing properties
totaling  $6.7  million in 2000 and $9.4  million in 1999.  The Company  made no
producing property acquisitions in 1998.
<TABLE>
<CAPTION>
                                         2000              1999             1998
                                      ------------------------------------------
                                                       (in thousands)
<S>                                   <C>               <C>              <C>
Capital Expenditures
Exploration and production            $69,211           $59,004          $52,376
Gas distribution                        5,994             7,124           10,108
Other                                     512               839            1,875
- --------------------------------------------------------------------------------
                                      $75,717           $66,967          $64,359
================================================================================
</TABLE>
                                       32
<PAGE>
         Capital investments planned for 2001 total $81.6 million, consisting of
$75.0 million for exploration and production,  $6.1 million for gas distribution
system  expenditures and $.5 million for general  purposes.  The Company expects
that its level of capital  investments  will be adequate to allow the Company to
maintain  its present  markets,  explore and  develop its  existing  gas and oil
properties as well as generate new drilling prospects,  and finance improvements
necessary due to normal customer growth in its gas distribution segment.

Financing Requirements
         At  year-end  2000,  Southwestern's  total  debt  was  $396.0  million,
including $171.0 million under a short-term  credit  facility.  This compares to
year-end 1999 total debt of $302.2 million, including $7.5 million classified as
short-term  debt.  In July 2000,  the Company  replaced its  existing  revolving
credit  facilities  that had  previously  provided  the Company  access to $80.0
million of variable rate capital with a new credit  facility that has a capacity
of $180.0  million.  This new  facility  was used to fund the Hales  judgment of
$109.3 million,  pay off the existing  revolver balance and retire $22.0 million
of private  placement  debt. The new credit  facility is also being used to fund
normal  working  capital  needs.  The interest rate on the new facility is 112.5
basis  points over the LIBOR rate and was 7.85% at December  31,  2000.  The new
credit  facility  has a term of 364 days and  expires in July 2001.  The Company
intends to renew or replace this facility prior to its expiration.

         In August 2000,  the Company  retired  $22.0  million of 9.36%  private
placement  notes.  Certain  costs  of  the  redemption  were  expensed  and  are
classified as an extraordinary loss, net of related income tax effects.

         In 1997, the Company issued $60.0 million of 7.625%  Medium-Term  Notes
due 2027 and $40.0 million of 7.21% Medium-Term Notes due 2017. These notes were
issued under a supplement to the  Company's  $250.0  million shelf  registration
statement  filed with the Securities  and Exchange  Commission in February 1997,
for the issuance of up to $125.0 million of Medium-Term  Notes.  The Company has
$25.0 million of capacity remaining under the shelf registration statement.  The
Company also has $125.0 million of 6.7% Notes due in 2005 that were issued under
the shelf registration. The Company's public notes are rated BBB by Standard and
Poor's and Baa3 by Moody's.

         In connection with the Enogex transaction in 1998 discussed above under
"NOARK  Partnership,"  the  Company  and a previous  general  partner  converted
certain of their loans to the NOARK  partnership,  plus accrued  interest,  into
equity, and contributed  approximately  $10.7 million to the partnership to fund
costs incurred in connection with the prepayment of NOARK's 9.74% Senior Secured
notes. The Company's share of the  contribution was $6.5 million.  In June 1998,
the NOARK  partnership  issued $80.0 million of 7.15% Notes due 2018.  The notes
require  semi-annual  principal  payments of $1.0 million that began in December
1998.  The  Company  and the  other  general  partner  of NOARK  have  severally
guaranteed the principal and interest  payments on the NOARK debt. The Company's
share of the several  guarantee  is 60%.  The Company  advanced  $3.3 million to
NOARK to fund its  share of debt  service  payments  in 2000 and  advanced  $2.3
million in 1999. If NOARK is unable to generate sufficient cash in the future to
service its debt and the Company is  required to continue  contributing  cash to
fund its debt  guarantee,  the  Company may be required to record the NOARK debt
commitment under current accounting rules.

         Under its short-term  credit  agreement the Company may not issue total
debt in excess of 80% of its total capital, shareholders' equity may not be less
than  $120.0  million  (excluding  any  adjustments  for SFAS No.  133 after its
adoption)  and the Company may not  declare or pay any  dividends  on its common
stock.  The Company must also have a ratio of earnings before  interest,  taxes,
depreciation  and  amortization  (EBITDA)  to fixed  charges  of at least 2.5 or
higher for the  previous 12 months.  For 2000,  this  calculation  excludes  the
impact  of the  Hales  judgment.  At the  end of  2000,  the  Company's  capital
structure  consisted of 73.7% debt (including  short-term debt but excluding the
Company's  several  guarantee of NOARK's  obligations) and 26.3% equity,  with a
ratio of EBITDA to fixed  charges of 4.1.  Over the long term,  the Company will
continue to consider the sale of its  remaining gas  distribution  assets to pay
down existing debt.

                                       33
<PAGE>
In the short  term,  funds  provided by  operating  activities  are  expected to
increase significantly due to higher gas and oil prices currently being received
for the Company's production.  As part of its strategy to reduce its debt level,
the Company has hedged approximately 80% of its expected 2001 gas production and
50% of its expected 2001 oil production to insure it receives attractive prices.
Under these assumptions and assuming no other  unanticipated  uses of cash arise
during the year, the Company  expects to reduce its debt level by $50 million to
$70 million during 2001.

Working Capital
         The  Company  maintains  access  to funds  which  may be needed to meet
seasonal  requirements  through its credit facility explained above. The Company
had net negative working capital of $127.0 million at the end of 2000 due to the
short-term  revolving  credit facility  balance of $171.0  million,  compared to
positive  working  capital of $13.9 million at the end of 1999.  Current  assets
increased by 61% to $112.9 million in 2000, while current  liabilities  (without
consideration of short-term debt) increased 41%. The increases in current assets
and current  liabilities at December 31, 2000, was due primarily to increases in
accounts  receivable,  accounts payable and under-recovered  purchased gas costs
that resulted from extremely high market prices for natural gas at year end.

FORWARD-LOOKING INFORMATION
         All statements,  other than historical financial information,  included
in this discussion and analysis of financial condition and results of operations
may be deemed to be forward-looking statements within the meaning of Section 27A
of the  Securities  Act of 1933, as amended,  and Section 21E of the  Securities
Exchange Act of 1934, as amended. Although the Company believes the expectations
expressed  in  such   forward-looking   statements   are  based  on   reasonable
assumptions, such statements are not guarantees of future performance and actual
results or developments may differ materially from those in the  forward-looking
statements.  Important  factors  that  could  cause  actual  results  to  differ
materially from those in the forward-looking  statements herein include, but are
not limited to, the timing and extent of changes in commodity prices for gas and
oil, the effects of commodity  hedges and the  volatility in earnings  caused by
new hedge accounting  standards,  the timing and extent of the Company's success
in discovering,  developing,  producing, and estimating reserves, the effects of
weather and regulation on the Company's gas distribution segment, the value that
the  Company's   gas   distribution   segment  may  bring  in  exploring   sales
opportunities  for this segment and the timing of any proposed  sale,  increased
competition,  legal and  economic  factors,  governmental  regulation,  changing
market  conditions,  the comparative  cost of alternative  fuels,  conditions in
capital  markets  and  changes  in  interest  rates,  availability  of oil field
services,  drilling rigs, and other equipment,  as well as various other factors
beyond the Company's control.

ITEM 7.A. QUANTITATIVE AND QUALITATIVE DISCLOSURE ABOUT MARKET RISKS

         Market risks relating to the Company's operations result primarily from
changes  in  commodity  prices  and  interest  rates,  as  well as  credit  risk
concentrations.  The Company uses natural gas and crude oil swap  agreements and
options to reduce the  volatility of earnings and cash flow due to  fluctuations
in the prices of natural gas and oil. The Board of Directors  has approved  risk
management  policies  and  procedures  to  utilize  financial  products  for the
reduction of defined commodity price risks. These policies prohibit  speculation
with  derivatives  and limit swap agreements to  counterparties  with acceptable
credit standings.

Credit Risks
         The Company's financial  instruments that are exposed to concentrations
of credit risk consist primarily of trade  receivables and derivative  contracts
associated with commodities trading.  Concentrations of credit risk with respect
to  receivables  are  limited  due to the large  number of  customers  and their
dispersion across geographic areas. No single customer accounts for greater than
7% of accounts  receivable.  See the discussion of credit risk  associated  with
commodities trading below.

                                       34
<PAGE>
Interest Rate Risk
         The following  table provides  information  on the Company's  financial
instruments  that are sensitive to changes in interest rates. The table presents
the   Company's   debt   obligations,   principal   cash   flows   and   related
weighted-average  interest rates by expected  maturity dates.  Variable  average
interest  rates reflect the rates in effect at December 31, 2000 for  borrowings
under the Company's credit facility.  The Company's policy is to manage interest
rates  through use of a combination  of fixed and floating  rate debt.  Interest
rate swaps may be used to adjust interest rate exposures when appropriate. There
were no interest rate swaps outstanding at December 31, 2000.
<TABLE>
<CAPTION>
                                                 Expected Maturity Date                               Fair Value
                           --------------------------------------------------------------------       ----------
                           2001     2002     2003      2004       2005     Thereafter     Total        12/31/00
                           --------------------------------------------------------------------       ----------
                                                   ($ in millions)
<S>                      <C>           <C>      <C>       <C>   <C>          <C>          <C>            <C>
Fixed Rate                    -        -        -         -     $125.0       $100.0       $225.0         $226.3
Average Interest Rate         -        -        -         -       6.70%        7.46%        7.04%

Variable Rate            $171.0        -        -         -          -            -       $171.0         $171.0
Average Interest Rate      7.83%       -        -         -          -            -         7.83%
</TABLE>

Commodities Risk
         The  Company  uses  over-the-counter  natural  gas and  crude  oil swap
agreements  and  options to hedge  sales of  Company  production  and  marketing
activity  against the  inherent  price risks of adverse  price  fluctuations  or
locational pricing differences between a published index and the NYMEX (New York
Mercantile  Exchange)  futures  markets.  These  swaps and  options  include (1)
transactions in which one party will pay a fixed price (or variable price) for a
notional  quantity in exchange for  receiving a variable  price (or fixed price)
based on a published  index  (referred to as price swaps),  (2)  transactions in
which parties agree to pay a price based on two different  indices  (referred to
as basis swaps),  and (3) the purchase and sale of index-related  puts and calls
(collars)  that provide a "floor"  price below which the  counterparty  pays the
Company the amount by which the price of the  commodity is below the  contracted
floor and a  "ceiling"price  above which the Company pays the  counterparty  the
amount by which the price of the commodity is above the contracted ceiling.

         The primary  market risk related to these  derivative  contracts is the
volatility in market prices for natural gas and crude oil. However,  this market
risk is  offset  by the gain or loss  recognized  upon the  related  sale of the
natural gas or oil that is hedged.  Credit risk relates to the risk of loss as a
result of  non-performance by the Company's  counterparties.  The counterparties
are primarily major investment and commercial  banks which  management  believes
present minimal credit risks.  The credit quality of each  counterparty  and the
level  of  financial   exposure  the  Company  has  to  each   counterparty  are
periodically reviewed to ensure limited credit risk exposure.

         The following table provides  information about the Company's financial
instruments  that are  sensitive  to  changes  in  commodity  prices.  The table
presents the  notional  amount in Bcf  (billion  cubic feet) or MBbls  (thousand
barrels),  the weighted average  contract prices,  and the total dollar contract
amount by expected  maturity  dates.  The  "Carrying  Amount"  for the  contract
amounts are  calculated as the  contractual  payments for the quantity of gas or
oil to be  exchanged  under  futures  contracts  and do  not  represent  amounts
recorded in the  Company's  financial  statements.  The "Fair Value"  represents
values for the same  contracts  using  comparable  market prices at December 31,
2000. At December 31, 2000, the "Carrying Amount" of these financial instruments
exceeded the "Fair Value" by $60.6 million.

                                       35
<PAGE>
<TABLE>
<CAPTION>
                                                                Expected Maturity Date

                                                   2001                 2002                 2003
                                            ----------------------------------------------------------
                                            Carrying   Fair      Carrying   Fair      Carrying   Fair
                                            Amount     Value     Amount     Value     Amount     Value
                                            ----------------------------------------------------------
<S>                                         <C>        <C>        <C>       <C>        <C>        <C>
Natural Gas
Swaps with a fixed-price receipt
  Contract volume (Bcf)                        1.9                  1.0                   .2
  Weighted average price per Mcf             $3.42                $2.65                $2.75
  Contract amount (in millions)               $6.4      $1.4       $2.6       $.8        $.6      $.3

Swaps with a fixed-price payment
  Contract volume (Bcf)                         .4                    -                    -
  Weighted average price per Mcf             $4.83                    -                    -
  Contract amount (in millions)               $1.8      $2.8          -         -          -        -

Price collars
  Contract volume (Bcf)                       25.2                  6.0                    -
  Weighted average floor price per Mcf       $3.66                 $4.0                    -
  Contract amount of floor (in millions)     $92.3     $96.0      $24.0     $27.1          -        -
  Weighted average ceiling price per Mcf     $4.52                $4.72                    -
  Contract amount of ceiling (in millions)  $113.9     $56.3      $28.3     $24.1          -        -

Oil
Swaps with a fixed-price receipt
  Contract volume (MBbls)                       72                    -                    -
  Weighted average price per Bbl            $17.49                    -                    -
  Contract amount (in millions)               $1.3       $.8          -         -          -        -

Price floor
  Contract volume (MBbls)                      325(1)                 -                    -
  Weighted average price per Bbl            $18.00                    -                    -
  Contract amount (in millions)               $5.9      $6.0          -         -          -        -

Price collar
  Contract volume (MBbls)                      300                    -                    -
  Weighted average floor price per Bbl      $27.40                    -                    -
  Contract amount of floor (in  millions)     $8.2      $9.4          -         -          -        -
  Weighted average ceiling price per Bbl    $29.95                    -                    -
  Contract amount of ceiling (in millions)    $9.0      $8.7          -         -          -        -
</TABLE>
[FN]
(1) Subsequent to December 31, 2000, the Company closed its position relating to
the $18.00 per barrel floor on a notional  amount of 298 MBbls  covering  eleven
months of 2001 production.
</FN>
                                       36
<PAGE>
ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

INDEX TO CONSOLIDATED FINANCIAL STATEMENTS
<TABLE>
<CAPTION>
                                                                            Page
<S>                                                                          <C>
Reports of Management and Independent Public Accountants                     38

Consolidated Statements of Operations for the years ended
  December 31, 2000, 1999, and 1998                                          39

Consolidated Balance Sheets as of December 31, 2000 and 1999                 40

Consolidated Statements of Cash Flows for the years ended
  December 31, 2000, 1999, and 1998                                          41

Consolidated Statements of Retained Earnings for the years ended
  December 31, 2000, 1999, and 1998                                          41

Notes to Consolidated Financial Statements,
  December 31, 2000, 1999, and 1998                                          42
</TABLE>
                                       37
<PAGE>
Report of Management

         Management  is  responsible  for the  preparation  and integrity of the
Company's financial  statements.  The financial statements have been prepared in
accordance with accounting  principles  generally  accepted in the United States
consistently  applied,  and  necessarily  include some amounts that are based on
management's best estimates and judgment.

         The   Company   maintains   a  system  of   internal   accounting   and
administrative  controls that management  believes provide reasonable  assurance
that assets are  safeguarded  and that  transactions  are properly  recorded and
executed in accordance with management's authorization.  The Company's financial
statements  have been  audited by its  independent  public  accountants,  Arthur
Andersen LLP. In accordance with auditing  standards  generally  accepted in the
United States, the independent  auditors obtained a sufficient  understanding of
the  Company's  internal  controls to plan their audit and determine the nature,
timing, and extent of other tests to be performed.

         The Audit  Committee  of the  Board of  Directors,  composed  solely of
outside  directors,  meets with  management  and Arthur  Andersen  LLP to review
planned audit scopes and results and to discuss other matters affecting internal
accounting  controls and  financial  reporting.  The  independent  auditors have
direct  access to the Audit  Committee  and  periodically  meet with it  without
management representatives present.

Report of Independent Public Accountants

To the Board of Directors and Shareholders of Southwestern Energy Company:

         We have audited the consolidated  balance sheets of SOUTHWESTERN ENERGY
COMPANY (an Arkansas  corporation)  AND SUBSIDIARIES as of December 31, 2000 and
1999, and the related consolidated statements of operations,  retained earnings,
and cash flows for each of the three  years in the  period  ended  December  31,
2000.  These  financial  statements  are  the  responsibility  of the  Company's
management.  Our  responsibility  is to express  an  opinion on these  financial
statements based on our audits.

         We conducted our audits in accordance with auditing standards generally
accepted in the United States.  Those standards require that we plan and perform
the audit to obtain reasonable  assurance about whether the financial statements
are free of material misstatement. An audit includes examining, on a test basis,
evidence supporting the amounts and disclosures in the financial statements.  An
audit also includes  assessing the accounting  principles  used and  significant
estimates  made by  management,  as well as  evaluating  the  overall  financial
statement  presentation.  We believe that our audits provide a reasonable  basis
for our opinion.

         In our opinion,  the  financial  statements  referred to above  present
fairly, in all material respects,  the financial position of Southwestern Energy
Company and  Subsidiaries  as of December 31, 2000 and 1999,  and the results of
their  operations and their cash flows for each of the three years in the period
ended  December 31, 2000, in conformity  with  accounting  principles  generally
accepted in the United States.

ARTHUR ANDERSEN LLP

Tulsa, Oklahoma
February 5, 2001

                                       38
<PAGE>
Statements of Operations
Southwestern Energy Company and Subsidiaries
<TABLE>
<CAPTION>
For the Years Ended December 31,                  2000         1999         1998
- --------------------------------------------------------------------------------
                                                 (in thousands, except share
                                                    and per share amounts)
<S>                                         <C>          <C>          <C>
Operating Revenues
Gas sales                                     $200,269     $165,898     $172,790
Gas marketing                                  137,234       96,570       76,367
Oil sales                                       15,537        9,891        9,557
Gas transportation and other                    10,843        8,037        7,591
- --------------------------------------------------------------------------------
                                               363,883      280,396      266,305
- --------------------------------------------------------------------------------
Operating Costs and Expenses
Gas purchases - utility                         58,669       45,370       39,863
Gas purchases - marketing                      133,221       92,851       73,235
Operating expenses                              34,808       33,783       34,400
General and administrative expenses             24,982       24,174       27,515
Unusual items                                  111,288            -            -
Depreciation, depletion and amortization        45,869       41,603       46,917
Write-down of oil and gas properties                 -            -       66,383
Taxes, other than income taxes                   8,515        6,557        6,943
- --------------------------------------------------------------------------------
                                               417,352      244,338      295,256
- --------------------------------------------------------------------------------
Operating Income (Loss)                        (53,469)      36,058      (28,951)
- --------------------------------------------------------------------------------
Interest Expense
Interest on long-term debt                      24,089       19,735       19,600
Other interest charges                           1,588          923        1,470
Interest capitalized                            (2,447)      (3,307)      (3,884)
- --------------------------------------------------------------------------------
                                                23,230       17,351       17,186
- --------------------------------------------------------------------------------
Other Income (Expense)                           1,997       (2,331)      (3,956)
- --------------------------------------------------------------------------------
Income (Loss) Before Provision (Benefit)
  for Income Taxes                             (74,702)      16,376      (50,093)
- --------------------------------------------------------------------------------
Provision (Benefit) for Income Taxes
Current                                              -          537       (6,029)
Deferred                                       (28,905)       5,912      (13,467)
- --------------------------------------------------------------------------------
                                               (28,905)       6,449      (19,496)
- --------------------------------------------------------------------------------
Income (Loss) Before Extraordinary Item        (45,797)       9,927      (30,597)
Extraordinary Loss Due to Early Retirement
  of Debt (Net of $569,000 Tax Benefit)           (890)           -            -
- --------------------------------------------------------------------------------
Net Income (Loss)                             $(46,687)      $9,927     $(30,597)
================================================================================
Basic and Diluted Earnings Per Share
Income (Loss) Before Extraordinary Item         $(1.82)        $.40       $(1.23)
Extraordinary Loss Due to Early Retirement
  of Debt (Net of $569,000 Tax Benefit)           (.04)           -            -
Net Income (Loss)                               $(1.86)        $.40       $(1.23)
================================================================================
Weighted Average Common Shares Outstanding  25,043,586   24,941,550   24,882,170
================================================================================

Diluted Weighted Average Common Shares
  Outstanding                               25,043,586   24,947,021   24,882,170
================================================================================
</TABLE>
The accompanying notes are an integral part of the financial statements.

                                       39
<PAGE>
Balance Sheets
Southwestern Energy Company and Subsidiaries
<TABLE>
<CAPTION>
December 31,                                               2000             1999
- --------------------------------------------------------------------------------
                                                               (in thousands)
<S>                                                   <C>              <C>
ASSETS
Current Assets
Cash                                                     $2,386           $1,240
Accounts receivable                                      77,041           43,339
Inventories, at average cost                             17,000           21,520
Under-recovered purchased gas costs                      12,942                -
Other                                                     3,486            4,073
- --------------------------------------------------------------------------------
  Total current assets                                  112,855           70,172
- --------------------------------------------------------------------------------
Investments                                              15,574           14,180
- --------------------------------------------------------------------------------
Property, Plant and Equipment, at cost
Gas and oil properties, using the full cost method,
  including $27,692,000 in 2000 and $37,554,000 in
  1999 excluded from amortization                       872,023          816,199
Gas distribution systems                                190,893          222,145
Gas in underground storage                               27,867           28,712
Other                                                    27,940           28,826
- --------------------------------------------------------------------------------
                                                      1,118,723        1,095,882
Less: Accumulated depreciation, depletion and
  amortization                                          554,616          519,927
- --------------------------------------------------------------------------------
                                                        564,107          575,955
- --------------------------------------------------------------------------------
Other Assets                                             12,842           11,139
- --------------------------------------------------------------------------------
                                                       $705,378         $671,446
================================================================================

LIABILITIES AND SHAREHOLDERS' EQUITY
Current Liabilities
Short-term debt                                        $171,000           $7,500
Accounts payable                                         54,304           33,069
Taxes payable                                             4,346            3,506
Interest payable                                          2,806            2,483
Customer deposits                                         4,799            6,021
Other                                                     2,629            3,767
- --------------------------------------------------------------------------------
  Total current liabilities                             239,884           56,346
- --------------------------------------------------------------------------------
Long-Term Debt                                          225,000          294,700
- --------------------------------------------------------------------------------
Other Liabilities
Deferred income taxes                                    97,431          126,902
Other                                                     1,772            3,142
- --------------------------------------------------------------------------------
                                                         99,203          130,044
- --------------------------------------------------------------------------------
Commitments and Contingencies
- --------------------------------------------------------------------------------
Shareholders' Equity
Common stock, $.10 par value; authorized 75,000,000
  shares, issued 27,738,084 shares                        2,774            2,774
Additional paid-in capital                               20,220           20,732
Retained earnings, per accompanying statements          148,353          198,044
- --------------------------------------------------------------------------------
                                                        171,347          221,550
Less: Common stock in treasury, at cost, 2,556,908
  shares in 2000 and 2,700,391 shares in 1999            28,485           30,083
Unamortized cost of restricted shares issued under
  stock incentive plan, 241,452 shares in 2000 and
  188,781 shares in 1999                                  1,571            1,111
- --------------------------------------------------------------------------------
                                                        141,291          190,356
- --------------------------------------------------------------------------------
                                                       $705,378         $671,446
================================================================================
</TABLE>
The accompanying notes are an integral part of the financial statements.

                                       40
<PAGE>
Statements of Cash Flows
Southwestern Energy Company and Subsidiaries
<TABLE>
<CAPTION>
For the Years Ended December 31,                      2000       1999       1998
- --------------------------------------------------------------------------------
                                                             (in thousands)
<S>                                               <C>         <C>       <C>
Cash Flows From Operating Activities
Net income (loss)                                 $(46,687)    $9,927   $(30,597)
Adjustments to reconcile net income (loss) to
  net cash provided by operating activities:
    Depreciation, depletion and amortization        47,227     42,971     48,267
    Write-down of oil and gas properties                 -          -     66,383
    Deferred income taxes                          (28,905)     5,912    (13,467)
    Equity in loss of partnership                    1,767      2,008      3,087
    Gain on sale of Missouri utility assets         (3,209)         -          -
    Extraordinary  loss due to early retirement
      of debt (net of tax)                             890          -          -
    Change in assets and liabilities:
      Accounts receivable                          (36,693)    (2,684)     5,097
      Income taxes receivable                           85      1,658      1,066
      Under-recovered purchased gas costs          (14,104)      (273)    10,931
      Inventories                                    2,290      1,292     (2,347)
      Accounts payable                              22,156     (4,711)     7,877
      Other current assets and liabilities           1,980      2,031     (2,589)
- --------------------------------------------------------------------------------
Net cash provided by (used in) operating
  activities                                       (53,203)    58,131     93,708
- --------------------------------------------------------------------------------
Cash Flows From Investing Activities
Capital expenditures                               (75,717)   (66,967)   (64,359)
Sale of Missouri utility assets                     32,000          -          -
Sale of oil and gas properties                      13,651          -          -
Investment in partnership                           (3,250)    (2,273)   (10,062)
(Increase) decrease in gas stored underground          845     (4,433)      (531)
Other items                                         (1,066)     2,380        340
- --------------------------------------------------------------------------------
Net cash used in investing activities              (33,537)   (71,293)   (74,612)
- --------------------------------------------------------------------------------
Cash Flows From Financing Activities
Net increase (decrease) in revolving debt and
  short-term note                                  115,800     20,300    (11,500)
Retirement of notes and payments on
  long-term debt                                   (24,910)    (1,535)    (4,607)
Dividends paid                                      (3,004)    (5,985)    (5,970)
- --------------------------------------------------------------------------------
Net cash provided by (used in) financing
  activities                                        87,886     12,780    (22,077)
- --------------------------------------------------------------------------------
Increase (decrease) in cash                          1,146       (382)    (2,981)
Cash at beginning of year                            1,240      1,622      4,603
- --------------------------------------------------------------------------------
Cash at end of year                                 $2,386     $1,240     $1,622
================================================================================
</TABLE>

Statements of Retained Earnings
Southwestern Energy Company and Subsidiaries
<TABLE>
<CAPTION>
For the Years Ended December 31,                    2000        1999        1998
- --------------------------------------------------------------------------------
                                                           (in thousands)
<S>                                             <C>         <C>         <C>
Retained Earnings, beginning of year            $198,044    $194,102    $230,669
Net income (loss)                                (46,687)      9,927     (30,597)
Cash dividends declared ($.12 per share in
  2000, $.24 per share in 1999 and 1998)          (3,004)     (5,985)     (5,970)
- --------------------------------------------------------------------------------
Retained Earnings, end of year                  $148,353    $198,044    $194,102
================================================================================
</TABLE>
The accompanying notes are an integral part of the financial statements.

                                       41
<PAGE>
Notes to Financial Statements
Southwestern Energy Company and Subsidiaries
December 31, 2000, 1999, and 1998

(1) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Nature of Operations and Consolidation
         Southwestern  Energy  Company  (Southwestern  or  the  Company)  is  an
integrated  energy  company  primarily  focused  on  natural  gas.  Through  its
wholly-owned subsidiaries, the Company is engaged in oil and gas exploration and
production,  natural gas gathering,  transmission and marketing, and natural gas
distribution.   Southwestern's   exploration   and  production   activities  are
concentrated in Arkansas,  New Mexico,  Texas,  Oklahoma and Louisiana.  The gas
distribution  segment  operates in northern  Arkansas and under  normal  weather
conditions  obtains  approximately  35% to 40% of its gas supply from one of the
Company's  exploration  and  production  subsidiaries.  The customers of the gas
distribution segment consist of residential, commercial, and industrial users of
natural  gas.   Southwestern's   marketing   and   transportation   business  is
concentrated in its core areas of operations.

         On May 31,  2000,  the Company  completed  the sale of its Missouri gas
distribution   assets  for  $32.0  million   resulting  in  a  pre-tax  gain  of
approximately  $3.2 million.  Proceeds from the sale of the Missouri assets were
used to reduce the Company's  outstanding debt. As a result of the adverse Hales
judgment in June 2000, the Company's Board of Directors authorized management to
pursue the sale of the Company's  remaining gas  distribution  assets.  The sale
process did not result in an acceptable  bid.  Although the Company may sell its
gas  distribution  segment in the future,  it currently  plans to operate  these
assets as a continuing part of its business.

         The  consolidated   financial   statements   include  the  accounts  of
Southwestern  Energy  Company and its  wholly-owned  subsidiaries,  Southwestern
Energy  Production   Company,   SEECO,  Inc.,   Arkansas  Western  Gas  Company,
Southwestern   Energy  Services   Company,   Diamond  "M"  Production   Company,
Southwestern Energy Pipeline Company,  A.W. Realty Company, and Arkansas Western
Pipeline Company.  All significant  intercompany  accounts and transactions have
been eliminated.  The Company accounts for its general  partnership  interest in
the NOARK Pipeline System,  Limited  Partnership (NOARK) using the equity method
of accounting.  In accordance with Statement of Financial  Accounting  Standards
(SFAS) No. 71,  "Accounting for the Effects of Certain Types of Regulation," the
Company  recognizes profit on intercompany  sales of gas delivered to storage by
its utility subsidiary.  Certain  reclassifications  have been made to the prior
years'  financial  statements  to  conform  with  the 2000  presentation.  These
reclassifications had no effect on previously recorded net income.

         The  preparation of financial  statements in conformity with accounting
principles  generally accepted in the United States requires  management to make
estimates  and  assumptions  that  affect  the  reported  amounts  of assets and
liabilities and disclosure of contingent assets and liabilities,  if any, at the
date of the  financial  statements,  and the  reported  amounts of revenues  and
expenses  during the reporting  period.  Actual  results could differ from those
estimates.

Unusual Items
         In June 2000,  the Company  reported  that the Arkansas  Supreme  Court
ruled to affirm the 1998 decision of the Sebastian County Circuit Court awarding
$109.3  million  in a class  action to  royalty  owners of  SEECO,  Inc.  (Hales
judgment).  The Company  fully  satisfied  the judgment and the Circuit Court in
Sebastian  County  issued  an order in  complete  satisfaction  of the  judgment
effective July 18, 2000. Additionally, the Company incurred an unusual charge of
$2.0 million related to other ongoing litigation.

                                       42
<PAGE>
Property, Depreciation, Depletion and Amortization
         Gas and Oil  Properties  - The Company  follows the full cost method of
accounting  for the  exploration,  development,  and  acquisition of gas and oil
reserves.  Under this  method,  all such costs  (productive  and  nonproductive)
including salaries,  benefits, and other internal costs directly attributable to
these  activities are  capitalized  and amortized on an aggregate basis over the
estimated  lives of the properties  using the  units-of-production  method.  The
Company   excludes  all  costs  of   unevaluated   properties   from   immediate
amortization.  The Company's  unamortized  costs of oil and gas  properties  are
limited to the sum of the future net revenues attributable to proved oil and gas
reserves  discounted at 10 percent plus the lower of cost or market value of any
unproved  properties.  If  the  Company's  unamortized  costs  in  oil  and  gas
properties exceed this ceiling amount, a provision for additional  depreciation,
depletion and amortization is required. At June 30, 1998, the Company recognized
a $40.5 million non-cash charge to earnings by recording a write-down of its oil
and gas properties of $66.4 million and a related reduction in the provision for
deferred  income taxes of $25.9 million.  At December 31, 2000,  1999, and 1998,
the  Company's  net book  value of oil and gas  properties  did not  exceed  the
ceiling amounts.  Market prices,  production rates, levels of reserves,  and the
evaluation of costs excluded from  amortization all influence the calculation of
the full cost ceiling.

         Gas Distribution Systems - Costs applicable to construction activities,
including overhead items, are capitalized.  Depreciation and amortization of the
gas distribution system is provided using the straight-line  method with average
annual rates for plant  functions  ranging from 1.7% to 5.9%. Gas in underground
storage is stated at average cost.

         Other   property,   plant  and  equipment  is  depreciated   using  the
straight-line method over estimated useful lives ranging from 5 to 35 years.

         The Company  charges to  maintenance  or operations  the cost of labor,
materials,  and other expenses incurred in maintaining the operating  efficiency
of  its  properties.  Betterments  are  added  to  property  accounts  at  cost.
Retirements are credited to property, plant and equipment at cost and charged to
accumulated  depreciation,  depletion  and  amortization  with  no  gain or loss
recognized, except for abnormal retirements.

         Capitalized   Interest  -  Interest  is  capitalized  on  the  cost  of
unevaluated  gas and oil properties  excluded from  amortization.  In accordance
with established utility regulatory practice, an allowance for funds used during
construction  of major projects is capitalized  and amortized over the estimated
lives of the related facilities.

Gas Distribution Revenues and Receivables
         Customer  receivables  arise from the sale or  transportation of gas by
the  Company's  gas   distribution   subsidiary.   The  Company's   136,000  gas
distribution  customers  are  located  in  northern  Arkansas  and  represent  a
diversified base of residential,  commercial,  and industrial users. The Company
records gas distribution  revenues on an accrual basis, as gas volumes are used,
to provide a proper matching of revenues with expenses.

         The gas distribution  subsidiary's rate schedules include purchased gas
adjustment  clauses  whereby the actual cost of purchased gas above or below the
level  included in the base rates is permitted to be billed or is required to be
credited to  customers.  Each month,  the  difference  between  actual  costs of
purchased gas and gas costs  recovered from customers is deferred.  The deferred
differences are billed or credited,  as appropriate,  to customers in subsequent
months.  Rate  schedules  include a weather  normalization  clause to lessen the
impact of revenue  increases  and  decreases  which might  result  from  weather
variations  during the winter heating season.  The  pass-through of gas costs to
customers is not affected by this normalization clause.

                                       43
<PAGE>
Gas Production Imbalances
         The exploration and production  subsidiaries record gas sales using the
entitlement  method. The entitlement method requires revenue  recognition of the
Company's  revenue interest share of gas production from properties in which gas
sales are  disproportionately  allocated to owners because of marketing or other
contractual  arrangements.  The Company's net imbalance position at December 31,
2000 and 1999 was not significant.

Income Taxes
         Deferred  income taxes are provided to recognize  the income tax effect
of  reporting  certain  transactions  in  different  years  for  income  tax and
financial reporting purposes.

Risk Management
         The Company uses  derivative  financial  instruments  to manage defined
commodity  price risks and does not use them for trading  purposes.  The Company
uses  commodity  swap  agreements  and options to hedge sales of natural gas and
crude  oil.  Gains  and  losses  resulting  from  hedging  activities  have been
recognized when the related  physical  transactions  were  recognized.  Gains or
losses from  commodity  swap  agreements  and  options  that did not qualify for
accounting treatment as hedges have been recognized currently as other income or
expense. See Note 8 for a discussion of the Company's commodity hedging activity
and the  impact  of the  adoption  of SFAS  No. 133, "Accounting  for Derivative
Instruments and Hedging Activities."

Earnings Per Share and Shareholders' Equity
         Basic  earnings  per common share is computed by dividing net income by
the weighted average number of common shares  outstanding  during each year. The
diluted  earnings per share  calculation  adds to the weighted average number of
common  shares   outstanding  the  incremental   shares  that  would  have  been
outstanding  assuming the exercise of dilutive  stock  options.  The Company had
options for 2,602,800 shares with an average exercise price of $9.79 outstanding
at December 31, 2000 and options for  1,634,901  shares with a weighted  average
exercise price of $12.15  outstanding at December 31, 1998. Due to the Company's
net loss for 2000 and 1998, these incremental shares would have an anti-dilutive
effect  and were,  therefore,  not  considered.  The  Company  had  options  for
1,275,899  shares of common  stock with a  weighted  average  exercise  price of
$12.97 per share at December 31, 1999, that were not included in the calculation
of diluted  shares  because  they would have had an  anti-dilutive  effect.  The
remaining  785,300 options at December 31, 1999 with a weighted average exercise
price of $6.46 were included in the calculation of diluted shares.

         During 2000 and 1999, the Company  issued 154,438 and 105,436  treasury
shares,  respectively,  under a  compensatory  plan  and for  stock  awards  and
returned  to  treasury  10,955 and 2,300  shares,  respectively,  canceled  from
earlier issues under the compensatory plan. The net effect of these transactions
was a $1.6  million  decrease  in 2000 and a $1.2  million  decrease  in 1999 in
treasury stock.

Dividend on Common Stock
         As a result of the adverse Hales judgment in June 2000, the Company has
indefinitely suspended payment of quarterly dividends on its common stock.

                                       44
<PAGE>
(2) DEBT

Debt balances as of December 31, 2000 and 1999 consisted of the following:
<TABLE>
<CAPTION>

                                                           2000             1999
                                                       -------------------------
                                                               (in thousands)
<S>                                                    <C>              <C>
Senior Notes
9.36% Series                                           $      -         $ 22,000
6.70% Series due 2005                                   125,000          125,000
7.625% Series due 2027, putable at the
  holders' option in 2009                                60,000           60,000
7.21% Series due 2017                                    40,000           40,000
- --------------------------------------------------------------------------------
                                                        225,000          247,000
Other
Variable rate unsecured revolving credit arrangements         -           47,700
- --------------------------------------------------------------------------------
Total long-term debt                                   $225,000         $294,700
================================================================================

Short-Term Debt
Variable rate (7.85% at December 31, 2000) unsecured
  revolving credit arrangements                        $171,000         $      -
Short-term note payable                                       -            7,500
- --------------------------------------------------------------------------------
Total short-term debt                                  $171,000         $  7,500
================================================================================
</TABLE>

         In July 2000,  the  Company  replaced  its  existing  revolving  credit
facilities  with a new credit  facility  that has a capacity of $180.0  million.
This new facility was used to fund the Hales judgment of $109.3 million, pay off
the existing revolver  balance,  and retire $22.0 million of 9.36% Senior Notes.
The new credit facility is also being used to fund normal working capital needs.
The new credit facility has a term of 364 days, with interest generally based at
112.5 basis points over the LIBOR rate. The Company  intends to renew or replace
this facility prior to its expiration.

         In August  2000,  the Company  retired  $22.0  million of 9.36%  Senior
Notes.  Certain costs of the  redemption  were expensed and are classified as an
extraordinary  loss,  net of related  income tax  effects,  in the  accompanying
financial statements.

         The terms of the debt  instruments  and  agreements  contain  covenants
which  impose  certain  restrictions  on  the  Company,  including  limiting  of
additional  indebtedness  and  prohibiting  the payment of cash  dividends.  The
Company was in compliance with its debt agreements at December 31, 2000.

         There are no aggregate  maturities  of  long-term  debt for each of the
years ending  December 31, 2001 through  2004.  For the year ended  December 31,
2005, the aggregate  maturity is $125.0  million.  Total interest  payments were
$23.6 million in 2000 and $19.6 million in 1999 and 1998.

                                       45
<PAGE>
(3) INCOME TAXES

         The  provision  (benefit)  for  income  taxes  included  the  following
components:
<TABLE>
<CAPTION>
                                                   2000        1999         1998
                                               ---------------------------------
                                                         (in thousands)
<S>                                            <C>           <C>        <C>
Federal:
  Current                                      $      -      $    -     $ (6,673)
  Deferred                                      (23,723)      5,236      (10,098)
State:
  Current                                             -         537          644
  Deferred                                       (5,063)        795       (3,250)
Investment tax credit amortization                 (119)       (119)        (119)
- --------------------------------------------------------------------------------
Provision (benefit) for income taxes           $(28,905)     $6,449     $(19,496)
================================================================================
</TABLE>

         The provision (benefit) for income taxes was an effective rate of 38.7%
in 2000,  39.4% in  1999,  and  38.9% in  1998.  The  following  reconciles  the
provision (benefit) for income taxes included in the consolidated  statements of
operations with the provision  (benefit) which would result from  application of
the statutory federal tax rate to pretax financial income:
<TABLE>
<CAPTION>
                                                   2000        1999         1998
                                               ---------------------------------
                                                         (in thousands)
<S>                                            <C>           <C>        <C>
Expected provision (benefit) at federal
  statutory rate of 35%                        $(26,145)     $5,732     $(17,532)
Increase (decrease) resulting from:
  State income taxes, net of federal
    income tax effect                            (3,291)        866       (1,694)
  Other                                             531        (149)        (270)
- --------------------------------------------------------------------------------
Provision (benefit) for income taxes           $(28,905)     $6,449     $(19,496)
================================================================================
</TABLE>

         The  components  of the  Company's  net  deferred  tax  liability as of
December 31, 2000 and 1999 were as follows:
<TABLE>
<CAPTION>
                                                             2000           1999
                                                         -----------------------
                                                                (in thousands)
<S>                                                      <C>            <C>
Deferred tax liabilities:
  Differences between book and tax basis of property     $129,702       $123,516
  Stored gas                                                8,883          8,267
  Deferred purchased gas costs                             11,313          2,289
  Prepaid pension costs                                     1,884          2,086
  Book over tax basis in partnerships                      11,755         10,133
  Other                                                     1,072            415
- --------------------------------------------------------------------------------
                                                          164,609        146,706
- --------------------------------------------------------------------------------
Deferred tax assets:
  Accrued compensation                                        884            705
  Alternative minimum tax credit carryforward               3,046          3,127
  Net operating loss carryforward                          63,449         16,808
  Other                                                     1,671          1,155
- --------------------------------------------------------------------------------
                                                           69,050         21,795
- --------------------------------------------------------------------------------
Net deferred tax liability                               $ 95,559       $124,911
================================================================================
</TABLE>
                                       46
<PAGE>
         Total income tax payments of $.5 million, $.6 million, and $3.3 million
were made in 2000, 1999, and 1998, respectively.

(4) PENSION PLAN AND OTHER POSTRETIREMENT BENEFITS

         The  Company  applies  SFAS  No.  132,  "Employers'  Disclosures  about
Pensions and Other  Postretirement  Benefits."  Substantially  all employees are
covered by the Company's  defined  benefit  pension and  postretirement  benefit
plans.  The  following  provides a  reconciliation  of the changes in the plans'
benefit obligations,  fair value of assets, and funded status as of December 31,
2000 and 1999:
<TABLE>
<CAPTION>
                                                                       Other Postretirement
                                                Pension Benefits           Benefits
                                             ----------------------------------------------
                                                2000        1999          2000        1999
                                             ----------------------------------------------
                                                              (in thousands)
<S>                                          <C>         <C>           <C>         <C>
Change in Benefit Obligations:
  Benefit obligation at January 1            $61,515     $59,194        $3,759      $3,832
  Service cost                                 1,682       1,881            85          99
  Interest cost                                4,509       4,130           268         261
  Amendments                                       -       5,560             -           -
  Actuarial loss (gain)                        1,438      (5,359)         (226)       (255)
  Benefits paid                               (7,256)     (3,891)         (138)       (178)
  Amount transferred                          (5,317)          -             -           -
  Effect of settlement                             -           -        (1,737)          -
- -------------------------------------------------------------------------------------------
  Benefit obligation at December 31          $56,571     $61,515        $2,011      $3,759
===========================================================================================
Change in Plan Assets:
  Fair value of plan assets at January 1     $70,478     $71,518          $615        $345
  Actual return on plan assets                 8,716       2,838             4          20
  Employer  contributions                          -           -           308         428
  Benefit  payments                           (7,243)     (3,878)         (138)       (178)
  Amount  transferred                         (5,668)          -             -           -
  Effect of settlement                             -           -          (216)          -
- -------------------------------------------------------------------------------------------
  Fair value of plan assets at December 31   $66,283     $70,478          $573        $615
===========================================================================================
Funded Status:
  Funded status at December 31                $9,712      $8,963       $(1,438)    $(3,144)
  Unrecognized net actuarial (gain) loss      (9,832)     (9,237)          299         926
  Unrecognized prior service cost              4,965       5,417             -           -
  Unrecognized transition obligation             (37)       (220)        1,032       1,265
- -------------------------------------------------------------------------------------------
  Prepaid (accrued) benefit cost              $4,808      $4,923         $(107)      $(953)
===========================================================================================
</TABLE>

         The Company's  supplemental  retirement plan has an accumulated benefit
obligation in excess of plan assets. The plan's  accumulated  benefit obligation
was $286,000 and $233,000 at December 31, 2000 and 1999, respectively. There are
no plan  assets in the  supplemental  retirement  plan due to the  nature of the
plan.

                                       47
<PAGE>
         Net periodic pension and other postretirement benefit costs include the
following components for 2000, 1999, and 1998:
<TABLE>
<CAPTION>
                                                                         Other Postretirement
                                              Pension Benefits                 Benefits
                                         -----------------------------------------------------
                                           2000     1999     1998       2000     1999     1998
                                         -----------------------------------------------------
                                                              (in thousands)
<S>                                      <C>      <C>      <C>          <C>      <C>      <C>
Service cost                             $1,682   $1,881   $2,060       $ 85     $ 99     $ 87
Interest cost                             4,509    4,130    3,644        268      261      242
Expected return on plan assets           (6,190)  (6,259)  (5,863)       (39)     (28)       -
Amortization of transition obligation      (183)    (183)    (183)       103      103      103
Recognized net actuarial (gain) loss       (142)    (142)    (150)        63      111       55
Amortization of prior service costs         451      451       46          -        -        -
- ----------------------------------------------------------------------------------------------
                                           $127    $(122)   $(446)      $480     $546     $487
==============================================================================================
</TABLE>

         Prior to 1998, the Company's  pension plans provided for benefits based
on years  of  benefit  service  and the  employee's  "average  compensation"  as
defined.  During 1998,  the Company  amended its plans to become "cash  balance"
plans on a prospective basis. A cash balance plan provides benefits based upon a
fixed percentage of an employee's  annual  compensation.  The Company's  funding
policy is to contribute amounts which are actuarially  determined to provide the
plans with  sufficient  assets to meet future benefit payment  requirements  and
which are tax deductible.

         The postretirement  benefit plans provide  contributory health care and
life insurance  benefits.  Employees  become eligible for these benefits if they
meet age and service  requirements.  Generally,  the benefits  paid are a stated
percentage  of medical  expenses  reduced by  deductibles  and other  coverages.
During 1998, the Company established trusts to partially fund its postretirement
benefit obligations.

         The  weighted  average  assumptions  used  in  the  measurement  of the
Company's benefit obligations for 2000 and 1999 are as follows:
<TABLE>
<CAPTION>
                                                            Other Postretirement
                                     Pension Benefits             Benefits
                                     -------------------------------------------
                                     2000        1999         2000        1999
                                     -------------------------------------------
<S>                                  <C>         <C>          <C>         <C>
Discount rate                        7.25%       7.50%        7.25%       7.50%
Expected return on plan assets       9.00%       9.00%        5.00%       5.00%
Rate of compensation increase        4.50%       4.50%         n/a         n/a
================================================================================
</TABLE>

         For measurement purposes a 9% annual rate of increase in the per capita
cost of covered  medical  benefits  and an 8% annual rate of increase in the per
capita cost of dental benefits was assumed for 2001. These rates were assumed to
gradually  decrease to 6% for medical  benefits  and 5% for dental  benefits for
2011 and remain at that level thereafter.

                                       48
<PAGE>
         Assumed  health care cost trend rates have a significant  effect on the
amounts  reported for the health care plans.  A one  percentage  point change in
assumed health care cost trend rates would have the following effects:
<TABLE>
<CAPTION>
                                                      1% Increase    1% Decrease
                                                      --------------------------
                                                            (in thousands)
<S>                                                          <C>           <C>
Effect on the total service and interest cost
  components                                                 $ 29          $ (25)
Effect on postretirement benefit obligation                  $220          $(190)
================================================================================
</TABLE>

(5) NATURAL GAS AND OIL PRODUCING ACTIVITIES

         All of the Company's gas and oil  properties  are located in the United
States.  The table below sets forth the results of  operations  from gas and oil
producing activities:
<TABLE>
<CAPTION>
                                                  2000         1999         1998
                                              ----------------------------------
                                                          (in thousands)
<S>                                           <C>           <C>         <C>
Sales                                         $110,920      $75,039      $86,232
Production (lifting) costs                     (19,804)     (14,039)     (15,807)
Depreciation, depletion and amortization       (39,048)     (34,230)     (39,444)
Write-down of oil and gas properties                 -            -      (66,383)
- --------------------------------------------------------------------------------
                                                52,068       26,770      (35,402)
Income tax benefit (expense)                   (20,023)     (10,528)      13,913
- --------------------------------------------------------------------------------
Results of operations                          $32,045      $16,242     $(21,489)
================================================================================
</TABLE>

         The results of operations shown above exclude unusual items in 2000 and
overhead and interest  costs in all years.  Income tax expense is  calculated by
applying  the  statutory  tax  rates  to  the  revenues  less  costs,  including
depreciation,  depletion and amortization,  and after giving effect to permanent
differences and tax credits.

         The table below sets forth  capitalized  costs  incurred in gas and oil
property acquisition, exploration, and development activities during 2000, 1999,
and 1998:
<TABLE>
<CAPTION>
                                                  2000         1999         1998
                                               ---------------------------------
                                                          (in thousands)
<S>                                            <C>          <C>          <C>
Property acquisition costs                     $13,369      $19,845      $12,729
Exploration costs                               27,853       19,519       14,273
Development costs                               27,519       19,059       24,709
- --------------------------------------------------------------------------------
Capitalized costs incurred                     $68,741      $58,423      $51,711
================================================================================
Amortization per Mcf equivalent                  $1.06        $1.00        $1.04
================================================================================
</TABLE>

         Capitalized  interest  is  included  as part of the cost of oil and gas
properties. The Company capitalized $2.4 million, $3.3 million, and $3.9 million
during 2000,  1999,  and 1998,  respectively,  based on the  Company's  weighted
average cost of borrowings used to finance the expenditures.

         In addition to  capitalized  interest,  the  Company  also  capitalized
internal  costs of $7.3  million,  $7.4 million,  and $7.7 million  during 2000,
1999, and 1998,  respectively.  These  internal  costs were directly  related to
acquisition,  exploration and development activities and are included as part of
the cost of oil and gas properties.

                                       49
<PAGE>
         The  following  table  shows  the  capitalized  costs  of gas  and  oil
properties and the related accumulated depreciation,  depletion and amortization
at December 31, 2000 and 1999:
<TABLE>
<CAPTION>
                                                             2000           1999
                                                         -----------------------
                                                               (in thousands)
<S>                                                      <C>            <C>
Proved properties                                        $841,875       $774,473
Unproved properties                                        30,148         41,726
- --------------------------------------------------------------------------------
Total capitalized costs                                   872,023        816,199
Less: Accumulated depreciation, depletion
  and amortization                                        457,551        419,517
- --------------------------------------------------------------------------------
Net capitalized costs                                    $414,472       $396,682
================================================================================
</TABLE>

         The table below sets forth the  composition  of net  unevaluated  costs
excluded from amortization as of December 31, 2000. Of the total,  approximately
$12.8  million is invested in  Louisiana.  The majority of  Louisiana  costs are
related to seismic  projects  that will be evaluated  over several  years as the
seismic data is  interpreted  and the acreage is explored.  The remaining  costs
excluded from  amortization are related to properties which are not individually
significant  and on which the  evaluation  process has not been  completed.  The
Company is,  therefore,  unable to estimate when these costs will be included in
the amortization computation.
<TABLE>
<CAPTION>
                                       2000     1999     1998    Prior     Total
                                     -------------------------------------------
                                                    (in thousands)
<S>                                  <C>      <C>      <C>      <C>      <C>
Property acquisition costs           $4,047   $2,157   $1,785   $2,451   $10,440
Exploration costs                     2,484    5,295    2,438    3,127    13,344
Capitalized interest                    521    1,005      735    1,647     3,908
- --------------------------------------------------------------------------------
                                     $7,052   $8,457   $4,958   $7,225   $27,692
================================================================================
</TABLE>

(6) NATURAL GAS AND OIL RESERVES (UNAUDITED)

         The following  table  summarizes  the changes in the  Company's  proved
natural gas and oil reserves for 2000, 1999, and 1998:
<TABLE>
<CAPTION>
                                                      2000                 1999                 1998
                                               -----------------------------------------------------------
                                                 Gas       Oil        Gas       Oil        Gas       Oil
                                                (MMcf)   (MBbls)     (MMcf)   (MBbls)     (MMcf)   (MBbls)
                                               -----------------------------------------------------------
<S>                                            <C>        <C>       <C>        <C>       <C>        <C>
Proved reserves, beginning of year             307,523    7,859     303,667    6,850     291,378    7,852
Revisions of previous estimates                  5,357      (22)     (7,464)   1,155       1,064     (696)
Extensions, discoveries, and other additions    53,389    1,347      34,730      225      44,814      442
Production                                     (31,602)    (676)    (29,444)    (578)    (32,668)    (703)
Acquisition of reserves in place                 8,100       82       9,762      576           -        -
Disposition of reserves in place               (11,013)    (460)     (3,728)    (369)       (921)     (45)
- ---------------------------------------------------------------------------------------------------------
Proved reserves, end of year                   331,754    8,130     307,523    7,859     303,667    6,850
=========================================================================================================
Proved, developed reserves:
Beginning of year                              250,290    7,154     258,092    6,370     252,393    7,312
End of year                                    270,830    7,100     250,290    7,154     258,092    6,370
=========================================================================================================
</TABLE>
                                       50
<PAGE>
         The "Standardized  Measure of Discounted Future Net Cash Flows Relating
to Proved Oil and Gas Reserves"  (standardized measure) is a disclosure required
by SFAS No.  69,  "Disclosures  About  Oil and Gas  Producing  Activities."  The
standardized  measure  does not purport to present  the fair  market  value of a
company's  proved gas and oil  reserves.  In addition,  there are  uncertainties
inherent  in  estimating  quantities  of  proved  reserves.   Substantially  all
quantities  of gas and oil  reserves  owned by the  Company  were  estimated  or
audited  by  the  independent  petroleum  engineering  firm  of  K  &  A  Energy
Consultants, Inc.

         Following  is the  standardized  measure relating to proved gas and oil
reserves at December 31, 2000, 1999, and 1998:
<TABLE>
<CAPTION>
                                                                 2000         1999         1998
                                                           ------------------------------------
                                                                       (in thousands)
<S>                                                        <C>           <C>          <C>
Future cash inflows                                        $3,366,304    $ 989,997    $ 820,522
Future production and development costs                      (506,417)    (227,361)    (176,130)
Future income tax expense                                    (974,273)    (247,408)    (206,097)
- -----------------------------------------------------------------------------------------------
Future net cash flows                                       1,885,614      515,228      438,295
10% annual discount for estimated timing of cash flows       (990,472)    (253,153)    (215,502)
- -----------------------------------------------------------------------------------------------
Standardized measure of discounted future net cash flows   $  895,142    $ 262,075    $ 222,793
===============================================================================================
</TABLE>
         Under the standardized  measure,  future cash inflows were estimated by
applying  year-end  prices,  adjusted  for  known  contractual  changes,  to the
estimated  future  production of year-end proved  reserves.  Future cash inflows
were reduced by  estimated  future  production  and  development  costs based on
year-end  costs to  determine  pretax cash  inflows.  Future  income  taxes were
computed by  applying  the  year-end  statutory  rate,  after  consideration  of
permanent  differences,  to the excess of pretax cash inflows over the Company's
tax basis in the  associated  proved  gas and oil  properties.  Future  net cash
inflows after income taxes were  discounted  using a 10% annual discount rate to
arrive at the standardized measure.

         Following is an analysis of changes in the standardized  measure during
2000, 1999, and 1998:
<TABLE>
<CAPTION>
                                                      2000       1999       1998
                                                  ------------------------------
                                                            (in thousands)
<S>                                               <C>        <C>        <C>
Standardized measure, beginning of year           $262,075   $222,793   $259,063
Sales and transfers of gas and oil produced,
  net of production costs                          (91,116)   (61,000)   (70,425)
Net changes in prices and production costs         837,691     48,506    (71,400)
Extensions, discoveries, and other additions,
  net of future production and development costs   259,212     48,279     61,146
Acquisition of reserves in place                    33,032     14,765          -
Revisions of previous quantity estimates            20,178       (612)    (3,024)
Accretion of discount                               38,076     32,447     38,445
Net change in income taxes                        (317,527)   (17,015)    23,714
Changes in production rates (timing) and other    (146,479)   (26,088)   (14,726)
- --------------------------------------------------------------------------------
Standardized measure, end of year                 $895,142   $262,075   $222,793
================================================================================
</TABLE>
                                       51
<PAGE>
(7) INVESTMENT IN UNCONSOLIDATED PARTNERSHIP

         The Company holds a 25% general  partnership  interest in NOARK.  NOARK
Pipeline was formerly a 258-mile long intrastate gas  transmission  system which
extended across northern Arkansas.  In January 1998, the Company entered into an
agreement with Enogex Inc.  (Enogex) that resulted in the expansion of the NOARK
Pipeline and provided the pipeline with access to Oklahoma gas supplies  through
an integration of NOARK with the Ozark Gas Transmission  System (Ozark).  Enogex
is a subsidiary  of OGE Energy Corp.  Ozark was a 437-mile  interstate  pipeline
system  which began in eastern  Oklahoma  and  terminated  in eastern  Arkansas.
Enogex  acquired  the Ozark  system and  contributed  it to NOARK.  Enogex  also
acquired  the  NOARK  partnership  interests  not  owned  by  Southwestern.  The
acquisition of Ozark and its integration with NOARK Pipeline was approved by the
Federal Energy  Regulatory  Commission in late 1998 at which time NOARK Pipeline
was converted to an interstate  pipeline and operated in combination with Ozark.
Enogex funded the  acquisition of Ozark and the expansion and  integration  with
NOARK  Pipeline  which  resulted  in the  Company's  ownership  interest  in the
partnership decreasing to 25% from 48%.

         The Company's investment in NOARK totaled $15.5 million at December 31,
2000 and $14.0 million at December 31, 1999,  including advances of $3.3 million
made during 2000,  $2.3 million made during 1999,  and $10.1 million made during
1998.  Advances in 1998  included the  Company's  share of costs  related to the
prepayment of NOARK's Senior Secured Notes. Other advances are made primarily to
service NOARK's  long-term  debt. See Note 11 for further  discussion of NOARK's
funding requirements and the Company's investment in NOARK.

         NOARK's financial  position at December 31, 2000 and 1999 is summarized
below:
<TABLE>
<CAPTION>
                                                          2000              1999
                                                      --------------------------
                                                              (in thousands)
<S>                                                   <C>               <C>
Current assets                                        $  9,532          $  7,056
Noncurrent assets                                      179,136           178,195
- --------------------------------------------------------------------------------
                                                      $188,668          $185,251
================================================================================
Current liabilities                                   $ 11,803          $ 10,413
Long-term debt                                          73,000            75,000
Partners' capital                                      103,865            99,838
- --------------------------------------------------------------------------------
                                                      $188,668          $185,251
================================================================================
</TABLE>

         The  Company's  share of NOARK's  pretax  loss was $1.8  million,  $2.0
million,  and $3.1 million for 2000, 1999, and 1998,  respectively.  The Company
records  its share of  NOARK's  pretax  loss in other  income  (expense)  on the
statements of operations.

         NOARK's  results of operations for 2000,  1999, and 1998 are summarized
below:
<TABLE>
<CAPTION>
                                                    2000        1999        1998
                                                 -------------------------------
                                                           (in thousands)
<S>                                              <C>         <C>         <C>
Operating revenues                               $73,633     $40,358     $17,445
Pretax net loss                                  $(1,391)    $(3,564)    $(4,114)
================================================================================
</TABLE>
                                       52
<PAGE>

(8) FINANCIAL INSTRUMENTS AND RISK MANAGEMENT

Fair Value of Financial Instruments
         The following  methods and  assumptions  were used to estimate the fair
value of each class of  financial  instruments  for which it is  practicable  to
estimate the value:
         Cash, Customer Deposits, and Short-Term Debt:  The carrying amount is a
reasonable estimate of fair value.
         Long-Term Debt:  The fair  value  of the  Company's  long-term  debt is
estimated based  on the expected  current rates  which would  be offered  to the
Company for debt of the same maturities.
         Commodity Hedges:  The fair value of all hedging financial  instruments
is the amount at which they could be settled,  based on quoted  market prices or
estimates obtained from dealers.  The carrying amounts and estimated fair values
of the Company's financial  instruments as of December 31, 2000 and 1999 were as
follows:
<TABLE>
<CAPTION>
                                           2000                      1999
                                   ---------------------------------------------
                                   Carrying     Fair         Carrying     Fair
                                   Amount       Value        Amount       Value
                                   ---------------------------------------------
                                                   (in thousands)
<S>                                <C>        <C>            <C>        <C>
Cash                                 $2,386     $2,386         $1,240     $1,240
Customer deposits                    $4,799     $4,799         $6,021     $6,021
Short-term debt                    $171,000   $171,000         $7,500     $7,500
Long-term debt                     $225,000   $226,309       $294,700   $289,193
Commodity hedges                      $(160)  $(60,596)          $640      $(399)
================================================================================
</TABLE>

Derivatives and Price Risk Management
         SFAS No.  133,  "Accounting  for  Derivative  Instruments  and  Hedging
Activities,"  as amended  by SFAS No. 137 and SFAS No.  138,  is  effective  for
fiscal years  beginning after June 15, 2000 and requires that all derivatives be
recognized  as  assets  or  liabilities  in the  balance  sheet  and that  these
instruments be measured at fair value.  Special accounting for qualifying hedges
allows a derivative's  gains and losses to offset related  results on the hedged
item in the income statement.

         Upon adoption of SFAS No. 133 on January 1, 2001, the Company  recorded
a transition  obligation of $60.6  million  related to cash flow hedges in place
that are used to reduce the  volatility  in commodity  prices for the  Company's
forecasted oil and gas production.  Additionally,  the Company recorded a net of
tax cumulative  loss to retained  earnings of $1.7 million and a net of tax loss
to other  comprehensive  income  (equity  section of the balance sheet) of $35.4
million. The amount recorded in other comprehensive income will be relieved over
time and taken to the income statement as the physical transactions being hedged
occur.  Additional  volatility  in earnings and other  comprehensive  income may
occur in the future as a result of the adoption of SFAS No. 133.

         The Company uses natural gas and crude oil swap  agreements and options
to reduce the  volatility of earnings and cash flow due to  fluctuations  in the
prices  of  natural  gas and oil.  The  Board of  Directors  has  approved  risk
management  policies  and  procedures  to  utilize  financial  products  for the
reduction of defined commodity price risks. These policies prohibit  speculation
with  derivatives and limit swap agreements to  counterparties  with appropriate
credit standings.

         The  Company  uses  over-the-counter  natural  gas and  crude  oil swap
agreements  and  options to hedge  sales of  Company  production  and  marketing
activity  against the  inherent  price risks of adverse  price  fluctuations  or
locational pricing differences between a published index and the NYMEX (New York
Mercantile  Exchange)  futures  market.  These  swaps and  options  include  (1)
transactions in which one party will pay a fixed price (or variable price) for a
notional

                                       53
<PAGE>
quantity in exchange for receiving a variable  price (or fixed price) based on a
published index (referred to as price swaps),  (2) transactions in which parties
agree  to pay a price  based  on two  different  indices  (referred  to as basis
swaps),  and (3) the purchase and sale of index-related puts and calls (collars)
that provide a "floor" price below which the  counterparty  pays the Company the
amount by which the price of the  commodity  is below the  contracted  floor and
"ceiling"  price  above which the Company  pays the  counterparty  the amount by
which the price of the commodity is above the contracted ceiling.

         At December 31,  2000,  the Company had collars in place on 31.2 Bcf of
future gas production.  Of this total,  21.9 Bcf had floors and ceilings ranging
from $3.50 to $6.00, respectively. The remaining 9.3 Bcf had floors and ceilings
ranging from $2.50 to $3.50, respectively. Additionally, the Company had collars
on 300,000 barrels of crude oil with floors and ceilings  ranging from $27.00 to
$30.33, respectively.

         At December 31,  2000,  the Company had  outstanding  natural gas price
swaps on total  notional  volumes of 3.1 Bcf for which the Company  will receive
fixed prices  ranging from $2.57 to $4.62 per MMBtu.  Under  contracts on .4 Bcf
the  Company  will make  average  fixed  price  payments  of $4.83 per MMBtu and
receive variable prices based on the NYMEX futures market. At December 31, 2000,
the Company  also had  outstanding  crude oil swaps to receive  fixed  prices of
$17.49 per barrel in 2001 on notional  volumes of 72,000 barrels.  The Company's
price risk management activities reduced revenues $39.3 million in 2000 and $1.1
million in 1999, and increased revenues $7.4 million in 1998.

         At December 31,  2000,  the Company also had an $18.00 per barrel floor
on 325,000  barrels.  Subsequent  to December 31, 2000,  the Company  closed its
position on this oil floor.  The primary market risk related to these derivative
contracts  is the  volatility  in market  prices for  natural gas and crude oil.
However,  this  market  risk is offset by the gain or loss  recognized  upon the
related  sale of the natural gas or oil that is hedged.  Credit risk  relates to
the risk of loss as a result of non-performance by the Company's counterparties.
The  counterparties  are primarily major  investment and commercial  banks which
management  believes  present  minimal credit risks.  The credit quality of each
counterparty  and the  level  of  financial  exposure  the  Company  has to each
counterparty are periodically reviewed to ensure limited credit risk exposure.

(9) STOCK OPTIONS

         The  Southwestern  Energy Company 2000 Stock Incentive Plan (2000 Plan)
was adopted in February, 2000 and provides for the compensation of officers, key
employees   and  eligible   non-employee   directors  of  the  Company  and  its
subsidiaries.  The 2000 Plan replaces the Southwestern Energy Company 1993 Stock
Incentive  Plan  (1993  Plan) and the  Southwestern  Energy  Company  1993 Stock
Incentive  Plan for  Outside  Directors  (1993  Director  Plan).  The 2000  Plan
provides for grants of options,  stock  appreciation  rights,  shares of phantom
stock,  and  shares of  restricted  stock  that in the  aggregate  do not exceed
1,250,000 shares. The types of incentives which may be awarded are comprehensive
and are  intended  to  enable  the  Board of  Directors  to  structure  the most
appropriate  incentives  and to address  changes in income tax laws which may be
enacted over the term of the 2000 Plan.

         The  1993  Plan  provided  for the  compensation  of  officers  and key
employees of the Company and its subsidiaries through grants of options,  shares
of  restricted  stock,  and stock  bonuses that in the  aggregate did not exceed
1,700,000  shares,  the grant of stand-alone stock  appreciation  rights (SARs),
shares of phantom  stock and cash  awards,  the  shares  related to which in the
aggregate did not exceed 1,700,000  shares,  and the grant of limited and tandem
SARs (all terms as defined in the 1993 Plan). The Company has also awarded stock
option  grants  outside  the 2000 Plan and the 1993 Plan to certain  non-officer
employees and to certain officers at the time of their hire.

                                       54
<PAGE>
         The 2000 Plan  awards  each  non-employee  director  who is eligible to
participate in the plan an annual Director's Option with respect to 8,000 shares
of common  stock.  Previously,  the 1993 Director Plan provided for annual stock
option grants of 12,000 shares (with 12,000  limited SARs) to each  non-employee
director.  Options  under the 1993  Director  Plan were  limited to no more than
240,000 shares.

         The  Company's  1985  Nonqualified  Stock  Option Plan expired in 1992,
except with respect to awards then  outstanding.  The following tables summarize
stock option activity for the years 2000, 1999, and 1998 and provide information
for options outstanding at December 31, 2000:
<TABLE>
<CAPTION>
                                              2000                   1999                  1998
                                      ------------------------------------------------------------------
                                                  Weighted               Weighted               Weighted
                                        Number    Average      Number    Average      Number    Average
                                          of      Exercise       of      Exercise       of      Exercise
                                        Shares     Price       Shares      Price      Shares     Price
                                      ------------------------------------------------------------------
<S>                                   <C>          <C>       <C>          <C>       <C>          <C>
Options outstanding at January 1      2,061,199    $10.49    1,634,901    $12.15    1,619,114    $13.37
Granted                                 666,100     $7.58      562,250     $6.18      394,900     $8.00
Exercised                                     -         -        1,333     $7.31       22,200     $5.58
Canceled                                124,499     $9.55      134,619    $12.68      356,913    $13.48
- --------------------------------------------------------------------------------------------------------
Options outstanding at December 31    2,602,800     $9.79    2,061,199    $10.49    1,634,901    $12.15
========================================================================================================
</TABLE>

<TABLE>
<CAPTION>
                                  Options Outstanding                Options Exercisable
                         ------------------------------------------------------------------
                                                     Weighted
                                        Weighted     Average                       Weighted
                           Options      Average      Remaining        Options      Average
Range of                 Outstanding    Exercise    Contractual     Exercisable    Exercise
Exercise Prices          at Year End     Price      Life (Years)    at Year End     Price
- -------------------------------------------------------------------------------------------
<S>                       <C>           <C>             <C>          <C>            <C>
$6.00 - $7.00               573,084      $6.14          8.8            195,272       $6.18
$7.06 - $8.75               866,701      $7.42          9.3            167,004       $7.34
$9.06 - $13.38              623,800     $11.99          6.0            512,737      $12.24
$14.00 - $17.50             539,215     $14.95          4.3            451,369      $15.01
- -------------------------------------------------------------------------------------------
                          2,602,800      $9.79                       1,326,382      $11.67
===========================================================================================
</TABLE>

         All options  are issued at fair  market  value at the date of grant and
expire ten years from the date of grant. Options generally vest to employees and
directors over a three to four year period from the date of grant.  Of the total
options  outstanding,  325,000  performance  accelerated options were granted in
1994 at an option price of $14.63.  These  options vest over a four-year  period
beginning in 2000.

         The Company has granted 453,165 shares of restricted stock to employees
through 2000. Of this total,  410,615  shares vest over a three-year  period and
the  remaining  shares vest over a five-year  period.  The related  compensation
expense is being  amortized over the vesting  periods.  As of December 31, 2000,
189,512  shares have vested to employees and 22,201  shares have been  cancelled
and returned to treasury shares.

                                       55
<PAGE>
         The Company  applies the  disclosure-only  provisions  of SFAS No. 123,
"Accounting for Stock-Based Compensation." Accordingly, no compensation cost has
been  recognized  for the stock  option  plans.  Had  compensation  cost for the
Company's stock option plans been  determined  consistent with the provisions of
SFAS No. 123, the  Company's  net income  (loss) and  earnings  (loss) per share
would have been reduced to the pro forma amounts indicated below:
<TABLE>
<CAPTION>
                                                    2000       1999         1998
                                               ---------------------------------
<S>                                            <C>           <C>        <C>
Net income (loss), in thousands
  As reported                                  $(46,687)     $9,927     $(30,597)
  Pro forma                                    $(47,444)     $9,241     $(31,201)
Basic earnings (loss) per share
  As reported                                    $(1.86)       $.40       $(1.23)
  Pro forma                                      $(1.90)       $.37       $(1.25)
Diluted earnings (loss) per share
  As reported                                    $(1.86)       $.40       $(1.23)
  Pro forma                                      $(1.90)       $.37       $(1.25)
</TABLE>

         Because the SFAS No. 123 method of  accounting  has not been applied to
options  granted prior to January 1, 1995, the resulting pro forma  compensation
cost may not be  representative of that to be expected in future years. The fair
value  of each  option  grant  is  estimated  on the  date of  grant  using  the
Black-Scholes   option   pricing  model  with  the  following   weighted-average
assumptions: no dividend yield; expected volatility of 44.0%; risk-free interest
rate of 6.0%; and expected lives of 6 years.

(10) COMMON STOCK PURCHASE RIGHTS

         In 1999, the Company's  Common Share  Purchase  Rights Plan was amended
and extended for an additional ten years. Per the terms of the amended plan, one
common  share  purchase  right  is  attached  to each  outstanding  share of the
Company's common stock.  Each right entitles the holder to purchase one share of
common stock at an exercise price of $40.00, subject to adjustment. These rights
will  become  exercisable  in the  event  that a  person  or group  acquires  or
commences  a  tender  or  exchange  offer  for  15% or  more  of  the  Company's
outstanding  shares or the Board  determines that a holder of 10% or more of the
Company's  outstanding  shares  presents a threat to the best  interests  of the
Company. At no time will these rights have any voting power.

         If any person or entity actually  acquires 15% of the common stock (10%
or more if the Board determines such acquiror is adverse),  rightholders  (other
than the 15% or 10%  stockholder)  will be entitled to buy, at the right's  then
current  exercise price, the Company's common stock with a market value of twice
the exercise price.  Similarly,  if the Company is acquired in a merger or other
business  combination,  each right will entitle its holder to  purchase,  at the
right's then current exercise price, a number of the surviving  company's common
shares having a market value at that time of twice the right's exercise price.

                                       56
<PAGE>
         The rights may be redeemed by the Board for $.01 per right or exchanged
for common  shares on a  one-for-one  basis  prior to the time that they  become
exercisable.  In the event, however, that redemption of the rights is considered
in connection with a proposed  acquisition of the Company,  the Board may redeem
the  rights   only  on  the   recommendation   of  its   independent   directors
(nonmanagement  directors who are not  affiliated  with the proposed  acquiror).
These rights expire in 2009.

(11) CONTINGENCIES AND COMMITMENTS

         The  Company  and the other  general  partner of NOARK  have  severally
guaranteed the principal and interest  payments on NOARK's 7.15% Notes due 2018.
The  Company's  share of the several  guarantee is 60%. At December 31, 2000 and
1999,  the  principal  outstanding  for these Notes was $75.0  million and $77.0
million,   respectively.  The  Notes  were  issued  in  June  1998  and  require
semi-annual  principal payments of $1.0 million.  The proceeds from the issuance
of the  Notes  were  used to repay  temporary  financing  provided  by the other
general  partner and  outstanding  amounts under an unsecured  revolving  credit
agreement.  The temporary  financing  provided by the other general  partner was
incurred in connection with the prepayment in early 1998 of NOARK's 9.74% Senior
Secured notes. Under the several guarantee,  the Company is required to fund its
share of NOARK's debt service which is not funded by operations of the pipeline.
As a result of the integration of NOARK Pipeline with the Ozark Gas Transmission
System,  as discussed further in Note 7, management of the Company believes that
it will realize its investment in NOARK over the life of the system.  Therefore,
no  provision  for  any  loss  has  been  made  in  the  accompanying  financial
statements.   Additionally,   the  Company's  gas  distribution  subsidiary  has
transportation  contracts for firm capacity of 66.9 MMcfd on NOARK's  integrated
pipeline  system.  These  contracts  expire in 2002 and 2003,  and are renewable
year-to-year thereafter until terminated by 180 days' notice.

         In its Form 8-K  filed  July 2,  1996,  the  Company  disclosed  that a
lawsuit relating to overriding royalty interests in certain Arkansas oil and gas
properties had been filed against it and two of its  wholly-owned  subsidiaries.
This matter went to a non-jury  trial as to liability  on January 10, 2000.  The
court in this matter issued  Findings of Fact and  Conclusions of Law that found
no fraud was committed. The court also found that any override royalty interests
that  might  ultimately  be found to be due  under  the  plaintiffs'  claim  for
additional  override  royalties accrued after March 1, 1990. All claims prior to
March 1, 1990 have been  barred by the  statute  of  limitations.  The  ultimate
measure of damages will be  determined  during the damages phase of the non-jury
proceeding that is scheduled for April 30, 2001.  While the Company  anticipates
that it will owe some additional  override royalties to plaintiffs,  it does not
believe that its liability will be material to its financial  condition,  but in
any one period it could be significant to its results of operations.

         The United States Minerals  Management  Service (MMS), a federal agency
responsible  for  the   administration   of  federal  oil  and  gas  leases,  is
investigating  the Company and its  subsidiaries in respect of claims similar to
those in the Hales class action  royalty  litigation  previously  reported.  The
Company was found to be ultimately  liable in the Hales litigation and satisfied
the  judgment  in July 2000.  MMS was  included in the class  action  litigation
against its objections,  but did not pursue further action to remove itself from
the class.

                                       57
<PAGE>
         On August 25, 2000,  a class action suit was filed  against the Company
and its  subsidiaries in Sebastian  County,  Arkansas,  on behalf of all mineral
owners who own or owned a royalty and/or overriding  royalty interest in oil and
gas leases or other agreements in certain sections of Franklin County, Arkansas.
The Company was granted authority in 1968 by the Arkansas Oil and Gas Commission
to operate a gas storage facility in one section of Franklin County.  Based upon
subsequently  developed  geological data, the Company sought authority to expand
this area and was granted  authority by the Arkansas Oil and Gas  Commission  to
operate gas storage in  additional  sections.  Plaintiffs  are  challenging  the
storage agreements that the Company obtained from the mineral interest owners in
1968,  1999 and 2000 to operate the gas storage  facility  known as  "Stockton".
Plaintiffs allege various wrongful,  intentional and fraudulent acts relating to
the  operation  of the storage  pool  beginning  in 1968 and  continuing  to the
present and allege that the above-referenced  agreements from the mineral owners
were obtained  through  misrepresentation  and fraud.  The Company has owned and
operated  the Stockton  storage  unit  through its Arkansas  Western Gas Company
subsidiary  until  1994,  at which time it was  transferred  to its  subsidiary,
SEECO,  Inc.  Plaintiffs  claim ownership rights in the gas that the Company has
stored in the  storage  pool in an amount  in  excess  of $5  million  in actual
damages,  interest,  attorney's fees and punitive  damages.  The Company and its
outside  counsel believe that this action is without merit and does not meet the
requirements for a class action.  The Company believes that plaintiffs' claim to
the storage gas, which the Company has injected into the storage  facility,  has
no merit and is not  supported by the Arkansas gas storage  statute  under which
the  Company  operates  this  facility.  While the amount of this claim could be
significant,  management believes, based upon its investigation, that this claim
is without merit and that the Company's ultimate liability,  if any, will not be
material to its consolidated  financial position, but in any one period it could
be significant to its results of operations.

         The  Company  is  subject  to  laws  and  regulations  relating  to the
protection of the environment.  The Company's policy is to accrue  environmental
and cleanup related costs of a non-capital  nature when it is both probable that
a liability has been  incurred and when the amount can be reasonably  estimated.
Management  believes any future  remediation or other  compliance  related costs
will not have a material effect on the financial position or reported results of
operations of the Company.

         The Company is subject to other  litigation and claims that have arisen
in the ordinary  course of business.  The Company  accrues for such items when a
liability is both  probable and the amount can be reasonably  estimated.  In the
opinion of management, the results of such litigation and claims will not have a
material  effect on the results of operations  or the financial  position of the
Company.

(12) SEGMENT INFORMATION

         The Company  applies SFAS No. 131,  "Disclosures  About  Segments of an
Enterprise and Related  Information."The  Company's reportable business segments
have been identified based on the differences in products or services  provided.
Revenues  for the  exploration  and  production  segment  are  derived  from the
production  and  sale  of  natural  gas  and  crude  oil.  Revenues  for the gas
distribution  segment arise from the  transportation  and sale of natural gas at
retail.  The marketing  segment  generates revenue through the marketing of both
Company and third party produced gas volumes.

         Summarized financial  information for the Company's reportable segments
is shown in the following  table.  The "Other" column  includes items related to
non-reportable  segments  (real estate and pipeline  operations)  and  corporate
items.

                                       58
<PAGE>
<TABLE>
<CAPTION>
                                         Exploration
                                            and           Gas
                                         Production   Distribution   Marketing     Other      Total
                                         ------------------------------------------------------------
                                                                   (in thousands)
<S>                                       <C>           <C>           <C>         <C>        <C>
2000
Revenues from external customers          $ 75,597      $151,052      $137,234    $     -    $363,883
Intersegment revenues                       35,323           182        70,514        448     106,467
Unusual items (1)                          111,288             -             -          -     111,288
Operating income (loss)                    (70,584)       14,655         2,460          -     (53,469)
Depreciation, depletion and
  amortization expense                      39,048         6,625           109         87      45,869
Interest expense (2)                        17,472         4,608            16      1,134      23,230
Provision (benefit) for income taxes (2)   (34,153)        4,869           912       (533)    (28,905)
Assets                                     460,296       188,811        20,929     35,342(3)  705,378
Capital expenditures                        69,211         5,994            24        488      75,717
=====================================================================================================
1999
Revenues from external customers          $ 51,533      $132,293      $ 96,570    $     -    $280,396
Intersegment revenues                       23,506           127        40,956        416      65,005
Operating income                            16,451        17,187         2,142        278      36,058
Depreciation, depletion and
  amortization expense                      34,230         7,186            92         95      41,603
Interest expense (2)                        11,345         5,027             -        979      17,351
Provision (benefit) for income taxes (2)     1,806         4,569           859       (785)      6,449
Assets                                     435,022       190,731        11,212     34,481(3)  671,446
Capital expenditures                        59,004         7,124             9        830      66,967
=====================================================================================================
1998
Revenues from external customers          $ 55,347      $134,579      $ 76,367    $    12    $266,305
Intersegment revenues                       30,885           132        20,808        608      52,433
Operating income (loss)                    (47,273)       16,029         1,800        493     (28,951)
Depreciation, depletion and
  amortization expense                      39,444         7,296            41        136      46,917
Write-down of oil and gas properties        66,383             -             -          -      66,383
Interest expense (2)                        10,906         5,299            38        943      17,186
Provision (benefit) for income taxes (2)   (23,238)        4,028           704       (990)    (19,496)
Assets                                     408,193       192,396         8,905     38,126(3)  647,620
Capital expenditures                        52,376        10,108             8      1,867      64,359
=====================================================================================================
</TABLE>
[FN]
(1) Includes  $109.3  million for the Hales  judgment and $2.0 million for other
ongoing litigation.
(2) Interest expense and the provision (benefit) for income taxes by segment are
an allocation of corporate  amounts as debt and income tax expense (benefit) are
incurred at the corporate  level.
(3) Other assets include the Company's equity investment  in the  operations  of
NOARK  (see  Note 7),  corporate  assets  not allocated to  segments, and assets
for non-reportable segments.
</FN>

         Intersegment  sales  by the  exploration  and  production  segment  and
marketing segment to the gas distribution  segment are priced in accordance with
terms of existing contracts and current market conditions. Parent company assets
include  furniture and fixtures,  prepaid debt costs, and prepaid pension costs.
Parent company general and administrative costs,  depreciation expense and taxes
other than income are allocated to segments. All of the Company's operations are
located within the United States.

                                       59
<PAGE>
(13) QUARTERLY RESULTS (UNAUDITED)

         The following is a summary of the quarterly  results of operations  for
the years ended December 31, 2000 and 1999:
<TABLE>
<CAPTION>
Quarter Ended                                  March 31     June 30    September 30   December 31
- -------------------------------------------------------------------------------------------------
                                                   (in thousands, except per share amounts)
                                                                      2000
                                                -------------------------------------------------
<S>                                             <C>        <C>           <C>           <C>
Operating revenues                              $96,913      $78,483     $75,342       $113,145
Operating income (loss)                         $21,056    $(101,849)     $5,884        $21,440
Net income (loss)                                $9,186     $(64,199)      $(754)        $9,080
Basic and diluted earnings (loss) per share        $.37       $(2.57)      $(.03)          $.36

                                                                      1999
                                                -------------------------------------------------
Operating revenues                              $78,220      $56,039     $60,400        $85,737
Operating income                                $19,929       $1,541      $1,664        $12,924
Net income (loss)                                $9,132      $(1,704)    $(1,935)        $4,434
Basic and diluted earnings (loss) per share        $.37        $(.07)      $(.08)          $.18
=================================================================================================
</TABLE>

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

         There have been no  changes in or  disagreements  with  accountants  on
accounting and financial disclosure.

Part III

ITEM 10. DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

         The definitive Proxy Statement to holders of the Company's Common Stock
in  connection  with the  solicitation  of  proxies  to be used in voting at the
Annual Meeting of  Shareholders on May 17, 2001 (the 2001 Proxy  Statement),  is
hereby incorporated by reference for the purpose of providing  information about
the  identification of directors.  Refer to the sections "Election of Directors"
and "Share Ownership of Management and Directors" for information concerning the
directors.

Information concerning executive officers is presented in Part I, Item 4 of this
Form 10-K.

ITEM 11. EXECUTIVE COMPENSATION

         The 2001 Proxy  Statement is hereby  incorporated  by reference for the
purpose of providing  information  about  executive  compensation.  Refer to the
section "Executive Compensation."

                                       60
<PAGE>
ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

         The 2001 Proxy  Statement is hereby  incorporated  by reference for the
purpose of providing  information about security ownership of certain beneficial
owners and  management.  Refer to the  sections  "Security  Ownership of Certain
Beneficial  Owners"  and  "Share  Ownership  of  Managment  and  Directors"  for
information   about  security   ownership  of  certain   beneficial  owners  and
management.

ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

         The 2001 Proxy  Statement is hereby  incorporated  by reference for the
purpose  of  providing  information  about  related  transactions.  Refer to the
section "Share  Ownership of Management and  Directors"  for  information  about
transactions with members of the Company's Board of Directors.

Part IV

ITEM 14. EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K

(a)      (1)  The  consolidated  financial  statements  of the  Company  and its
              subsidiaries  and the  report of  independent  public  accountants
              are included in Item 8 of this Report.

         (2) The consolidated  financial  statement  schedules have been omitted
             because they are not required  under the related  instructions,  or
             are not applicable.

         (3) The exhibits listed on the accompanying Exhibit Index (pages 63 and
             64) are filed as part of, or incorporated by  reference  into, this
             Report.

(b) Reports on Form 8-K:
         A Current Report on Form 8-K was filed on November 3, 2000, referencing
a conference  call conducted on October 31, 2000,  announcing the results of the
Company's third quarter 2000 activity.

         A Current Report on Form 8-K was filed on December 8, 2000, referencing
a press  release  issued on December 7, 2000,  announcing  the  Company's  hedge
position for 2001 through 2003.

         A  Current  Report  on  Form  8-K  was  filed  on  December  20,  2000,
referencing  a press  release  issued  on  December  18,  2000,  announcing  the
Company's 2001 strategy and outlook. Additional exhibits included the transcript
of the  December  18, 2000  teleconference  regarding  the  December  18th press
release and the accompanying slide presentation.

                                       61
<PAGE>
SIGNATURES

         Pursuant to the  requirements  of Section 13 or 15(d) of the Securities
Exchange Act of 1934,  the Registrant has duly caused the report to be signed on
its behalf by the undersigned, thereunto duly authorized.

                                            SOUTHWESTERN ENERGY COMPANY
                                            --------------------------------
                                                   (Registrant)

Dated: March 30, 2001                       BY:  /s/ Greg D. Kerley
                                            --------------------------------
                                                     Greg D. Kerley
                                                 Executive Vice President
                                                and Chief Financial Officer

         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 on March 30, 2001.

      /s/ Harold M. Korell               President, Chief Executive Officer
- ------------------------------------     and Director
          Harold M. Korell

      /s/ Greg D. Kerley                 Executive Vice President
- ------------------------------------     and Chief Financial Officer
          Greg D. Kerley

      /s/ Stanley T. Wilson              Controller and Chief Accounting Officer
- ------------------------------------
          Stanley T. Wilson

      /s/ Charles E. Scharlau            Director and Chairman
- ------------------------------------
          Charles E. Scharlau

      /s/ Lewis E. Epley, Jr.            Director
- ------------------------------------
          Lewis E. Epley, Jr.

      /s/ John Paul Hammerschmidt        Director
- ------------------------------------
          John Paul Hammerschmidt

      /s/ Robert L. Howard               Director
- ------------------------------------
          Robert L. Howard

      /s/ Kenneth R. Mourton             Director
- ------------------------------------
          Kenneth R. Mourton

         Supplemental Information to be Furnished With Reports Filed Pursuant to
Section 15(d) of the Act by  Registrants  Which Have Not  Registered  Securities
Pursuant of Section 12 of the Act.

                                 Not Applicable

                                       62
<PAGE>
EXHIBIT INDEX

Exhibit
  No.                              Description
- -------                            -----------
  3.   Articles  of  Incorporation  and  Bylaws  of  the  Company  (amended  and
       restated Articles of Incorporation incorporated by reference to Exhibit 3
       to  Annual  Report  on Form 10-K for the year  ended  December  31,1993);
       Bylaws of the  Company  (amended  Bylaws of the Company  incorporated  by
       reference  to Exhibit 3 to Annual  Report on Form 10-K for the year ended
       December 31, 1994).

  4.1  Amended and Restated Rights Agreement, dated April 12, 1999 (incorporated
       by  reference  to Exhibit 4.1 to Annual  Report on Form 10-K for the year
       ended December 31, 1999).

  4.2  Prospectus,  Registration Statement, and Indenture  on 6.70% Senior Notes
       due  December  1,  2005 and  issued  December  5, 1995  (incorporated  by
       reference to the Company's Forms S-3 and S-3/A filed on November 1, 1995,
       and November 17, 1995, respectively, and also to the Company's filings of
       a Prospectus and Prospectus Supplement on November 22, 1995, and December
       4, 1995, respectively).

  4.3  Prospectus Supplement and Form of Distribution  Agreement on $125,000,000
       of  Medium-Term  Notes dated  February  21, 1997  (Prospectus  Supplement
       incorporated  by  reference  to  the  Company's  filing  of a  Prospectus
       Supplement  on  February  21,  1997,  Form  of   Distribution   Agreement
       incorporated by reference to Exhibit 10 filed with the Company's Form 8-K
       dated February 21, 1997).

  4.4  Short-Term  Credit  Agreement  dated July 17, 2000  between  Southwestern
       Energy Company and Bank One, N.A., as  administrative  agent, and Bank of
       America, N.A., as syndication agent (filed herewith).

       Material Contracts:
 10.1  Gas  Purchase  Contract between SEECO,  Inc. and  Associated  Natural Gas
       Company,  dated  October  1,  1990,  and as amended  September  30,  1997
       (original  contract  incorporated  by  reference  to Exhibit 10 to Annual
       Report on Form  10-K for the year  ended  December  31,  1990;  amendment
       incorporated  by reference to Exhibit 10.2 to Annual  Report on Form 10-K
       for the year ended December 31, 1997).

 10.2  Compensation Plans:
       (a) Summary of Southwestern Energy Company Annual and Long-Term Incentive
           Compensation  Plan,  effective  January 1, 1985,  as amended July 10,
           1989 (replaced by Southwestern Energy Company Incentive  Compensation
           Plan,  effective  January 1, 1993)  (original  plan  incorporated  by
           reference  to Exhibit  10 to Annual  Report on Form 10-K for the year
           ended December 31, 1984;  first  amendment  thereto  incorporated  by
           reference  to Exhibit  10 to Annual  Report on Form 10-K for the year
           ended December 31, 1989).
       (b) Southwestern  Energy Company Incentive  Compensation Plan,  effective
           January 1,  1993,  and  Amended  and  Restated  as of January 1, 1999
           (incorporated  by  reference to Exhibit  10.2(b) to Annual  Report on
           Form 10-K for the year ended December 31, 1998).
       (c) Nonqualified  Stock Option  Plan,  effective  February  22, 1985,  as
           amended July 10, 1989 (replaced by  Southwestern  Energy Company 1993
           Stock Incentive Plan,  dated April 7, 1993, which was replaced by the
           Southwestern  Energy Company 2000 Stock Incentive Plan dated February
           18, 2000)  (original plan  incorporated by reference to Exhibit 10 to
           Annual  Report on Form 10-K for the year  ended  December  31,  1985;
           amended plan incorporated by reference to Exhibit 10 to Annual Report
           on Form 10-K for the year ended December 31, 1989).
       (d) Southwestern Energy Company 1993 Stock Incentive Plan, dated April 7,
           1993 and Amended and  Restated as of February  18, 1998  (replaced by
           the  Southwestern  Energy  Company  2000 Stock  Incentive  Plan dated
           February 18, 2000)  (incorporated  by reference to Exhibit 10.2(d) to
           Annual Report on Form 10-K for the year ended December 31, 1998).

                                       63
<PAGE>
Exhibit
  No.                              Description
- -------                            -----------
       (e) Southwestern  Energy  Company 1993 Stock  Incentive Plan  for Outside
           Directors,  dated April 7, 1993 (replaced by the Southwestern  Energy
           Company  2000  Stock   Incentive   Plan  dated   February  18,  2000)
           (incorporated  by reference to the appendix  filed with the Company's
           definitive  Proxy  Statement  to holders of the  Registrant's  Common
           Stock in connection  with the  solicitation  of proxies to be used in
           voting at the Annual Meeting of Shareholders on May 26, 1993).
       (f) Southwestern  Energy Company 2000 Stock Incentive Plan dated February
           18, 2000  (incorporated  by reference to the appendix  filed with the
           Company's  definitive  Proxy Statement to holders of the Registrant's
           Common Stock in  connection  with the  solicitation  of proxies to be
           used in voting  at the  Annual  Meeting  of  Shareholders  on May 24,
           2000).

 10.3  Southwestern Energy Company Supplemental Retirement Plan, adopted May 31,
       1989,  and Amended and Restated as of December  15, 1993,  and as further
       amended  February 1, 1996  (amended and  restated  plan  incorporated  by
       reference  to  Exhibit  10.5 to  Annual  Report on Form 10-K for the year
       ended December 31, 1993;  amendment dated February 1, 1996,  incorporated
       by reference  to Exhibit 10.5 to Annual  Report on Form 10-K for the year
       ended December 31, 1995).

 10.4  Southwestern  Energy Company  Supplemental  Retirement Plan Trust,  dated
       December  30, 1993  (incorporated  by reference to Exhibit 10.6 to Annual
       Report on Form 10-K for the year ended December 31, 1993).

 10.5  Southwestern  Energy  Company  Nonqualified  Retirement  Plan,  effective
       October 4, 1995  (incorporated  by  reference  to Exhibit  10.7 to Annual
       Report of Form 10-K for the year ended December 31, 1995).

 10.6  Employment  and  Consulting  Agreement  for  Charles  E. Scharlau,  dated
       May 21, 1998  (incorporated by reference to Exhibit 10.9 to Annual Report
       on Form 10-K for the year ended December 31, 1998).

 10.7  Form of  Indemnity  Agreement,  between the  Company and each officer and
       director of the Company  (incorporated  by reference to Exhibit  10.20 to
       Annual Report on Form 10-K for the year ended December 31, 1991).

 10.8  Form of Executive  Severance Agreement for the Executive  Officers of the
       Company, effective February 17,1999 (incorporated by reference to Exhibit
       10.12 to  Annual  Report  on Form 10-K for the year  ended  December  31,
       1998).

 10.9  Omnibus Project Agreement  of NOARK Pipeline System,  Limited Partnership
       by and among Southwestern  Energy Pipeline Company,  Southwestern  Energy
       Company,  Enogex Arkansas  Pipeline  Corporation,  and Enogex Inc., dated
       January 12, 1998  (incorporated  by reference to Exhibit  10.17 to Annual
       Report on Form 10-K for the year ended December 31, 1997).

 10.10 Amended and Restated  Limited  Partnership  Agreement of  NOARK  Pipeline
       System,  Limited  Partnership dated January 12, 1998 and amended June 18,
       1998 (amended and restated agreement incorporated by reference to Exhibit
       10.18 to Annual Report on Form 10-K for the year ended December 31, 1997;
       first  amendment  thereto  incorporated  by reference to Exhibit 10.14 to
       Annual Report on Form 10-K for the year ended December 31, 1998).

 10.11 Asset  Sale and  Purchase  Agreement  by and  among  Southwestern  Energy
       Company, Arkansas Western Gas Company and Atmos Energy Corporation, dated
       October 15, 1999  (incorporated  by reference to Exhibit  10.12 to Annual
       Report on Form 10-K for the year ended December 31, 1999).

 21.   Subsidiaries of the Registrant  (incorporated by  reference to Exhibit 21
       to Annual Report on Form 10-K for the year ended December 31, 1996).

 23.   Consent of Arthur Andersen LLP (filed herewith).

                                       64
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-4.4
<SEQUENCE>2
<FILENAME>0002.txt
<DESCRIPTION>CREDIT AGREEMENT
<TEXT>


================================================================================


                                CREDIT AGREEMENT

                           DATED AS OF JULY 17, 2000

                                     AMONG

                          SOUTHWESTERN ENERGY COMPANY,

                                  THE LENDERS,

                                 BANK ONE, NA,
                            AS ADMINISTRATIVE AGENT,

                                      AND

                             BANK OF AMERICA, N.A.,
                              AS SYNDICATION AGENT

                       BANC ONE CAPITAL MARKETS, INC. AND
                        BANC OF AMERICA SECURITIES LLC,
                    AS JOINT LEAD ARRANGERS AND BOOK RUNNERS


================================================================================
<PAGE>
                              TABLE OF CONTENTS
<TABLE>
<CAPTION>
         <S>   <C>                                                            <C>
                                   ARTICLE I
                                   DEFINITIONS.................................1

                                   ARTICLE II
                                   THE CREDITS ...............................12

         2.1   Commitment ....................................................12
         2.2   Required Payments; Maturity ...................................13
         2.3   Ratable Loans .................................................13
         2.4   Types of Advances .............................................13
         2.5   Commitment Fee; Voluntary Reductions in Aggregate Commitment ..13
         2.6   Minimum Amount of Each Advance ................................13
         2.7   Mandatory Reductions in Aggregate Commitment ..................13
         2.8   Prepayments ...................................................14
         2.9   Method of Selecting Types and Interest Periods for
               New Advances ..................................................14
         2.10  Conversion and Continuation of Outstanding Advances ...........15
         2.11  Changes in Interest Rate, etc .................................16
         2.12  Rates Applicable After Default ................................16
         2.13  Method of Payment .............................................16
         2.14  Noteless Agreement; Evidence of Indebtedness ..................17
         2.15  Telephonic Notices ............................................17
         2.16  Interest Payment Dates; Interest and Fee Basis ................18
         2.17  Notification of Advances, Interest Rates, Prepayments and
               Commitment Reductions .........................................18
         2.18  Lending Installations .........................................18
         2.19  Non-Receipt of Funds by the Administrative Agent ..............18
         2.20  Replacement of Lender .........................................19

                                  ARTICLE III
                             YIELD PROTECTION; TAXES..........................19

         3.1   Yield Protection ..............................................19
         3.2   Changes in Capital Adequacy Regulations .......................20
         3.3   Availability of Types of Advances .............................21
         3.4   Funding Indemnification .......................................21
         3.5   Taxes .........................................................21
         3.6   Lender Statements; Survival of Indemnity ......................23

                                       i
<PAGE>
                                   ARTICLE IV
                              CONDITIONS PRECEDENT ...........................24

         4.1   Initial Advance ...............................................24
         4.2   Each Advance ..................................................25

                                   ARTICLE V
                         REPRESENTATIONS AND WARRANTIES ......................26

         5.1   Organization ..................................................26
         5.2   Authorization and Validity ....................................26
         5.3   Financial Statements ..........................................26
         5.4   Subsidiaries ..................................................26
         5.5   ERISA .........................................................26
         5.6   Defaults ......................................................27
         5.7   Accuracy of Information .......................................27
         5.8   Regulation U ..................................................27
         5.9   No Adverse Change .............................................27
         5.10  Taxes .........................................................27
         5.11  Liens .........................................................27
         5.12  Compliance with Orders ........................................28
         5.13  Litigation ....................................................28
         5.14  Burdensome Agreements .........................................28
         5.15  No Conflict ...................................................28
         5.16  Title to Properties ...........................................28
         5.17  Public Utility Holding Company Act ............................28
         5.18  Regulatory Approval ...........................................29
         5.19  Negative Pledge ...............................................29
         5.20  Investment Company Act ........................................29
         5.21  Compliance with Laws ..........................................29

                                   ARTICLE VI
                                    COVENANTS.................................29

         6.1   Information ...................................................29
         6.2   Affirmative Covenants .........................................32
               6.2.1. Reports and Inspection .................................32
               6.2.2 Conduct of Business .....................................32
               6.2.3 Insurance ...............................................33
               6.2.4 Taxes ...................................................33
               6.2.5 Compliance with Laws ....................................33
               6.2.6 Maintenance of Properties ...............................33
         6.3   Negative Covenants ............................................33
               6.3.1 Restricted Payments .....................................34

                                       ii
<PAGE>
               6.3.2 Merger and Sale of Assets ...............................34
               6.3.3 Liens ...................................................35
         6.4   Financial Covenants ...........................................38
               6.4.1 Debt to Capitalization Ratio ............................38
               6.4.2 Fixed Charge Coverage Ratio .............................38
               6.4.3 Net Worth ...............................................38
               6.3.4 Subsidiary Indebtedness .................................38

                                  ARTICLE VII
                                    DEFAULTS..................................38

         7.1   Events of Default .............................................38
               7.1.1 Representations and Warranties ..........................38
               7.1.2 Payment Default .........................................38
               7.1.3 Breach of Certain Covenants .............................38
               7.1.4 Other Breach of this Agreement ..........................39
               7.1.5 ERISA ...................................................39
               7.1.6 Cross-Default ...........................................39
               7.1.7 Voluntary Bankruptcy, etc ...............................39
               7.1.8 Involuntary Bankruptcy, etc .............................39
               7.1.9 Judgments ...............................................40
               7.1.10 Environmental Matters ..................................40

                                  ARTICLE VIII
                 ACCELERATION, WAIVERS, AMENDMENTS AND REMEDIES ..............40

         8.1   Acceleration ..................................................40
         8.2   Amendments ....................................................40
         8.3   Preservation of Rights ........................................41

                                   ARTICLE IX
                               GENERAL PROVISIONS.............................41

         9.1   Survival of Representations ...................................41
         9.2   Governmental Regulation .......................................41
         9.3   Headings ......................................................42
         9.4   Entire Agreement ..............................................42
         9.5   Several Obligations; Benefits of this Agreement ...............42
         9.6   Expenses; Indemnification .....................................42
         9.7   Numbers of Documents ..........................................43
         9.8   Accounting ....................................................43
         9.9   Severability of Provisions ....................................43
         9.10  Nonliability of Lenders .......................................43
         9.11  Confidentiality ...............................................43

                                      iii
<PAGE>
         9.12  Nonreliance ...................................................44
         9.13  Disclosure ....................................................44

                                   ARTICLE X
                                   THE AGENTS ................................44

         10.1  Appointment; Nature of Relationship ...........................44
         10.2  Powers ........................................................44
         10.3  General Immunity ..............................................44
         10.4  No Responsibility for Loans, Recitals, etc ....................45
         10.5  Action on Instructions of Lenders .............................45
         10.6  Employment of Agents and Counsel ..............................45
         10.7  Reliance on Documents; Counsel ................................45
         10.8  Agents' Reimbursement and Indemnification .....................46
         10.9  Notice of Default .............................................46
         10.10 Rights as a Lender ............................................46
         10.11 Lender Credit Decision ........................................47
         10.12 Successor Agent ...............................................47
         10.13 Delegation to Affiliates ......................................48

                                   ARTICLE XI
                            SETOFF; RATABLE PAYMENTS .........................48

         11.1  Setoff ........................................................48
         11.2  Ratable Payments ..............................................48

                                  ARTICLE XII
               BENEFIT OF AGREEMENT; ASSIGNMENTS; PARTICIPATIONS .............48

         12.1  Successors and Assigns ........................................48
         12.2  Participations ................................................49
               12.2.1. Permitted Participants; Effect ........................49
               12.2.2. Voting Rights .........................................49
         12.3  Assignments ...................................................50
               12.3.1. Permitted Assignments .................................50
               12.3.2. Effect; Effective Date ................................50
         12.4  Dissemination of Information ..................................51
         12.5  Tax Treatment .................................................51

                                  ARTICLE XIII
                                    NOTICES ..................................51

         13.1  Notices .......................................................51
         13.2  Change of Address .............................................51

                                       iv
<PAGE>
                                  ARTICLE XIV
                                  COUNTERPARTS ...............................51

                                   ARTICLE XV
                    CHOICE OF LAW; CONSENT TO JURISDICTION;
                  WAIVER OF JURY TRIAL; MAXIMUM INTEREST RATE ................52

         15.1  CHOICE OF LAW .................................................52
         15.2  CONSENT TO JURISDICTION .......................................52
         15.3  WAIVER OF JURY TRIAL ..........................................52
         15.4  Maximum Interest Rate .........................................53
         15.5  Termination of Existing Agreements ............................53
</TABLE>
                                       v
<PAGE>
<TABLE>
<CAPTION>
     SCHEDULES
     <S>               <C>
     Schedule 1A       Commitments
     Schedule 1B       Existing Indebtedness
     Schedule 2.7(a)   Excluded Asset Sales
     Schedule 2.7(b)   Assets to be Swapped
     Schedule 5.4      Subsidiaries
     Schedule 5.13     Litigation
     Schedule 5.19     Liens
     Schedule 6.2      Insurance

     EXHIBITS
     Exhibit A         Form of Borrowing Notice
     Exhibit B         Form of Opinion of Counsel to Borrower
     Exhibit C         Form of Assignment Agreement
     Exhibit D         Form of Money Transfer Instructions
     Exhibit E         Form of Note
     Exhibit F         Form of Compliance Certificate
</TABLE>
                                       vi
<PAGE>
                                CREDIT AGREEMENT

     This  Agreement,  dated as of July 17, 2000, is among  Southwestern  Energy
Company, the Lenders,  Bank of America N.A., as Syndication Agent, and Bank One,
NA, a national  banking  association  having its  principal  office in  Chicago,
Illinois, as Administrative Agent. The parties hereto agree as follows:

                                   ARTICLE I
                                  DEFINITIONS

     As used in this Agreement:

     "Acquisition" means any transaction, or any series of related transactions,
consummated on or after the date of this Agreement, by which the Borrower or any
of its Subsidiaries (i) acquires any going business or all or substantially  all
of the assets of any firm, corporation or limited liability company, or division
thereof,  whether  through  purchase  of  assets,  merger or  otherwise  or (ii)
directly  or  indirectly  acquires  (in one  transaction  or as the most  recent
transaction  in a series of  transactions)  at least a  majority  (in  number of
votes) of the securities of a corporation  which have ordinary  voting power for
the  election  of  directors  (other than  securities  having such power only by
reason of the happening of a contingency) or a majority (by percentage or voting
power) of the  outstanding  ownership  interests  of a  partnership  or  limited
liability company.

     "Administrative  Agent"  means Bank One in its  capacity as  administrative
agent for the Lenders pursuant to Article X, and not in its individual  capacity
as a Lender,  and any  successor  Administrative  Agent  appointed  pursuant  to
Article X.

     "Advance" means a borrowing hereunder,  (i) made by the Lenders on the same
Borrowing  Date, or (ii)  converted or continued by the Lenders on the same date
of  conversion  or  continuation,  consisting,  in either case, of the aggregate
amount of the  several  Loans of the same Type  and,  in the case of  Eurodollar
Loans and Transaction Rate Loans, for the same Interest Period.

     "Affected Lender" is defined in Section 2.20.

     "Affiliate"  of any Person  means any other Person  directly or  indirectly
controlling,  controlled by or under common  control with such Person.  A Person
shall be deemed to control another Person if the controlling  Person owns 10% or
more of any class of voting  securities  (or other  ownership  interests) of the
controlled Person or possesses,  directly or indirectly,  the power to direct or
cause the  direction of the  management  or policies of the  controlled  Person,
whether through ownership of stock, by contract or otherwise.

     "Agent" means the Administrative Agent and/or the Syndication Agent.

<PAGE>

     "Aggregate  Commitment"  means the aggregate of the  Commitments of all the
Lenders, as reduced from time to time pursuant to the terms hereof.

     "Agreement" means this credit  agreement,  as it may be amended or modified
and in effect from time to time.

     "Agreement  Accounting  Principles"  means  generally  accepted  accounting
principles  as in  effect  from  time to  time;  provided  that if the  Borrower
notifies the Administrative Agent that the Borrower does not want to give effect
to  any  change  in  generally  accepted   accounting   principles  (or  if  the
Administrative Agent notifies the Borrower that the Required Lenders do not want
to give effect to any such change),  then Agreement Accounting  Principles shall
mean generally  accepted  accounting  principles as in effect immediately before
the  relevant  change  in  generally  accepted   accounting   principles  became
effective, until either such notice is withdrawn or this Agreement is amended in
a manner satisfactory to the Borrower and the Required Lenders.  "Alternate Base
Rate"  means,  for any day, a rate of interest  per annum equal to the higher of
(i) the Prime Rate for such day and (ii) the sum of the Federal Funds  Effective
Rate for such day plus 1/2% per annum.

     "Arranger" means each of Banc One Capital Markets, Inc. and Banc of America
Securities LLC.

     "Article"  means an article of this Agreement  unless  another  document is
specifically referenced.

     "Asset  Sale"  means  any  sale,  lease,  assignment  for  value  or  other
disposition  by the Borrower or any  Subsidiary,  excluding  (a) sales and other
dispositions  in the  ordinary  course  of  business  and (b) any  sale or other
disposition of any asset listed on Schedule 2.7(a).

     "Authorized  Officer" means any of the following  officers of the Borrower,
acting singly: the Chief Executive Officer,  the President,  the Chief Financial
Officer, the Treasurer or any Executive Vice President, Senior Vice President or
Vice President.

     "Bank One" means Bank One, NA, a national  banking  association  having its
principal  office in Chicago,  Illinois,  in its  individual  capacity,  and its
successors.

     "Borrower" means Southwestern Energy Company, an Arkansas corporation,  and
its successors and assigns.

     "Borrowing Date" means a date on which an Advance is made hereunder.

     "Borrowing Notice" is defined in Section 2.9.

                                      -2-

<PAGE>

     "Business  Day" means (i) with  respect to any  borrowing,  payment or rate
selection  of  Eurodollar  Advances,  a day (other than a Saturday or Sunday) on
which banks  generally are open in Chicago,  Dallas and New York for the conduct
of substantially  all of their  commercial  lending  activities,  interbank wire
transfers  can be made on the  Fedwire  system  and  dealings  in United  States
dollars  are  carried on in the London  interbank  market and (ii) for all other
purposes,  a day (other than a Saturday or Sunday) on which banks  generally are
open in  Chicago  and  Dallas  for the  conduct  of  substantially  all of their
commercial  lending  activities  and interbank wire transfers can be made on the
Fedwire system.

     "Capitalized Lease" of a Person means any lease of Property, except oil and
gas leases,  by such Person as lessee  which would be  capitalized  on a balance
sheet  of  such  Person  prepared  in  accordance   with  Agreement   Accounting
Principles.

     "Capitalized  Lease  Obligations"  of a  Person  means  the  amount  of the
obligations  of such Person under  Capitalized  Leases which would be shown as a
liability  on a  balance  sheet  of such  Person  prepared  in  accordance  with
Agreement  Accounting  Principles.

     "Case" means the case styled as Allen Hales,  Mary Nellie Hales,  Robert G.
Jeffers,  David P. Taylor,  and Taylor Family Limited  Partnership "A" v. Seeco,
Inc., Arkansas Western Gas Company,  and Southwestern  Energy Company,  Case No.
CIV-96-327  (III), in the Circuit Court of Sebastian County,  Arkansas,  and the
appeals therefrom.

     "Code" means the Internal  Revenue  Code of 1986,  as amended,  reformed or
otherwise modified from time to time.

     "Commitment"  means, for each Lender, the obligation of such Lender to make
Loans not  exceeding  the amount set forth on Schedule 1A or as set forth in any
assignment that has become effective  pursuant to Section 12.3.2, as such amount
may be modified from time to time pursuant to the terms hereof.

     "Contingent  Obligation"  of a Person means any  agreement,  undertaking or
arrangement by which such Person  assumes,  guarantees,  endorses,  contingently
agrees to purchase or provide funds for the payment of, or otherwise  becomes or
is contingently liable upon, the obligation or liability of any other Person, or
agrees to maintain the net worth or working capital or other financial condition
of any other  Person,  or  otherwise  assures any  creditor of such other Person
against loss,  including,  without  limitation,  any comfort  letter,  operating
agreement,  take or pay  contract,  application  for a Letter  of  Credit or the
obligations of any such Person as general partner of a partnership  with respect
to the  liabilities  of the  partnership.

     "Conversion/Continuation Notice" is defined in Section 2.10.

     "Controlled  Group" means all members of a controlled group of corporations
or  other  business  entities  and all  trades  or  businesses  (whether  or not
incorporated) under common

                                      -3-
<PAGE>
control  which,  together  with the  Borrower  or any of its  Subsidiaries,  are
treated  as  a  single  employer  under  Section  414  of  the  Code.

     "Debt to Capitalization Ratio" means the ratio of (a) Total Debt to (b) the
sum of Total Debt plus Stockholders' Equity.

     "Default" means an event described in Article VII.

     "Environmental  Laws" means any and all federal,  state,  local and foreign
statutes, laws, judicial decisions,  regulations,  ordinances, rules, judgments,
orders, decrees, plans, injunctions,  permits, concessions,  grants, franchises,
licenses,  agreements and other  governmental  restrictions  relating to (i) the
protection  of the  environment,  (ii) the  effect of the  environment  on human
health,  (iii)  emissions,  discharges or releases of pollutants,  contaminants,
hazardous substances or wastes into surface water, ground water or land, or (iv)
the manufacture,  processing,  distribution,  use, treatment, storage, disposal,
transport  or handling of  pollutants,  contaminants,  hazardous  substances  or
wastes or the clean-up or other remediation thereof.

     "ERISA"  means the Employee  Retirement  Income  Security  Act of 1974,  as
amended from time to time, and any rule or regulation issued thereunder.

     "Eurodollar  Advance" means an Advance which,  except as otherwise provided
in Section 2.12, bears interest at the applicable  Eurodollar Rate.

     "Eurodollar Base Rate" means, with respect to a Eurodollar  Advance for the
relevant Interest Period, the applicable British Bankers'  Association  Interest
Settlement Rate for deposits in U.S. dollars appearing on Reuters Screen FRBD as
of 11:00 a.m.  (London  time) two  Business  Days prior to the first day of such
Interest Period,  and having a maturity equal to such Interest Period,  provided
that,  (i) if Reuters Screen FRBD is not available to the  Administrative  Agent
for any reason,  the applicable  Eurodollar Base Rate for the relevant  Interest
Period shall instead be the applicable  British  Bankers'  Association  Interest
Settlement Rate for deposits in U.S.  dollars as reported by any other generally
recognized  financial  information  service as of 11:00 a.m.  (London  time) two
Business  Days  prior to the first day of such  Interest  Period,  and  having a
maturity  equal to such Interest  Period,  and (ii) if no such British  Bankers'
Association  Interest Settlement Rate is available to the Administrative  Agent,
the  applicable  Eurodollar  Base Rate for the  relevant  Interest  Period shall
instead be the rate  determined  by the  Administrative  Agent to be the rate at
which Bank One or one of its  Affiliate  banks offers to place  deposits in U.S.
dollars with  first-class  banks in the London interbank market at approximately
11:00  a.m.  (London  time)  two  Business  Days  prior to the first day of such
Interest Period, in the approximate  amount of the relevant  Eurodollar Loan and
having a maturity equal to such Interest Period.

     "Eurodollar  Loan"  means a Loan  which,  except as  otherwise  provided in
Section 2.12, bears interest at the applicable Eurodollar Rate.

                                      -4-
<PAGE>
     "Eurodollar  Rate"  means,  with  respect to a  Eurodollar  Advance for the
relevant Interest Period, the sum of the Eurodollar Base Rate applicable to such
Interest Period plus 1.125%.

     "Excluded  Taxes" means,  in the case of each Lender or applicable  Lending
Installation  and each Agent,  taxes  imposed on its  overall  net  income,  and
franchise taxes imposed on it, by (i) the  jurisdiction  under the laws of which
such Lender or such Agent is incorporated or organized or (ii) the  jurisdiction
in which  such  Agent's  or such  Lender's  principal  executive  office or such
Lender's  applicable  Lending  Installation is located.

     "Exhibit"  refers to an exhibit to this Agreement,  unless another document
is specifically referenced.

     "Existing  Indebtedness"  means any  Indebtedness  described in Schedule 1B
hereto  having  those  terms  existing  on the  date of this  Agreement,  but no
extension, renewal or replacement thereof.

     "Federal  Funds  Effective  Rate" means,  for any day, an interest rate per
annum equal to the  weighted  average of the rates on  overnight  Federal  funds
transactions  with  members of the Federal  Reserve  System  arranged by Federal
funds  brokers on such day, as published  for such day (or, if such day is not a
Business Day, for the immediately preceding Business Day) by the Federal Reserve
Bank of New York,  or, if such rate is not so  published  for any day which is a
Business Day, the average of the quotations at approximately 10:00 a.m. (Chicago
time) on such day on such transactions received by the Administrative Agent from
three   Federal  funds   brokers  of   recognized   standing   selected  by  the
Administrative  Agent in its sole  discretion.

     "Final  Maturity  Date" means July 16, 2001 or such  earlier  date when the
amount of the Aggregate Commitment has been reduced to zero.

     "Fixed Charge Coverage Ratio" means, for any period of four fiscal quarters
of the Borrower ending on the last day of a fiscal quarter, the ratio of (a) the
sum  of  (i)  the  Borrower's  consolidated  earnings  before  interest,  taxes,
depreciation  and  amortization  of  non-cash  charges,   all  determined  on  a
consolidated  basis and in accordance with Agreement  Accounting  Principles for
such period,  but  excluding,  to the extent  otherwise  included  therein,  any
non-cash gain or loss on any hedging  agreement  resulting from the requirements
of SFAS 133, plus (ii) to the extent deducted in determining  such  consolidated
earnings,  (x) any charge  resulting  from the Case and (y) any non-cash  charge
after the date hereof  resulting  from any  write-down of the Borrower's oil and
gas  properties  to the full cost ceiling  limitation  required by the full cost
method of accounting for such  properties,  to (b) the sum of (i) the Borrower's
interest  expense for such period  plus (ii) the  current  portion of  principal
payments of long-term  Indebtedness as of the last day of such period (excluding
any  portion  of  the  Private  Placement  Debt  which  is  current  due  to the
acceleration  thereof  resulting  from a  breach  of  Section  6.A or 6.B of the
Private Placement  Agreement,  which  acceleration would not be permitted by any
other provision of the Private Placement Agreement).

                                      -5-
<PAGE>
     "Floating Rate" means, for any day, a rate per annum equal to the Alternate
Base Rate for such day,  changing when and as the  Alternate  Base Rate changes.


     "Floating  Rate  Advance"  means an  Advance  which,  except  as  otherwise
provided in Section 2.12, bears interest at the Floating Rate.

     "Floating  Rate Loan" means a Loan which,  except as otherwise  provided in
Section 2.12,  bears interest at the Floating Rate.

     "Indebtedness" of a Person means such Person's (i) obligations for borrowed
money, (ii) obligations  representing the deferred purchase price of Property or
services, (iii) obligations, whether or not assumed, secured by Liens or payable
out of the  proceeds or  production  from  Property  now or  hereafter  owned or
acquired  by such  Person,  (iv)  obligations  which  are  evidenced  by  notes,
acceptances,  or other  instruments,  (v) obligations of such Person to purchase
accounts,  securities or other Property arising out of or in connection with the
sale of the same or substantially similar accounts, securities or Property, (vi)
Capitalized Lease Obligations,  (vii) any other obligation for borrowed money or
other  financial  accommodation  which in accordance  with Agreement  Accounting
Principles  would be shown as a liability on the  consolidated  balance sheet of
such Person,  (viii) net liabilities  under interest rate swap,  exchange or cap
agreements,  obligations or other liabilities with respect to accounts or notes,
(ix) Sale and  Leaseback  Transactions  which do not create a  liability  on the
consolidated  balance sheet of such Person, (x) other transactions which are the
functional  equivalent,  or take  the  place,  of  borrowing  but  which  do not
constitute a liability on the  consolidated  balance sheet of such Person,  (xi)
Contingent  Obligations and (xii) Mandatorily  Redeemable Stock;  provided that,
notwithstanding  any of the foregoing,  accounts payable arising in the ordinary
course of  business  payable on terms  customary  in the trade,  and  Contingent
Obligations in respect thereof, shall not constitute Indebtedness; and provided,
further, that Indebtedness shall not include accounts payable which the Borrower
is  required  to reflect  on its  balance  sheet in  accordance  with  Agreement
Accounting  Principles  to the extent  that (i) such  accounts  payable  consist
solely of contingent obligations under oil and gas hedge transactions for future
periods and (ii) as of any date of  calculation  thereof,  the volume of oil and
gas subject to such hedge transactions is not greater than 90% of the Borrower's
anticipated production from proved, producing, oil and gas reserves owned by the
Borrower  and its  Subsidiaries  as of such date over the term  covered  by such
hedge transactions.

     "Intercompany Indebtedness" means any Indebtedness of the Borrower owing to
any  Subsidiary  or of any  Subsidiary  owing to the  Borrower  or to any  other
Subsidiary;  provided that in the case of any Indebtedness  owed by the Borrower
or any Subsidiary to a Subsidiary which is not a Wholly-Owned  Subsidiary,  such
Indebtedness  shall constitute  Intercompany  Indebtedness only to the extent of
the  Borrower's  ownership  percentage  (whether  direct  or  indirect)  of  the
Subsidiary holding such Indebtedness.

     "Interest Period" means, with respect to a Eurodollar  Advance, a period of
one,  two,  three or six months  commencing  on a Business  Day  selected by the
Borrower pursuant to this

                                      -6-
<PAGE>
Agreement.  Such  Interest  Period  shall  end  on  the  day  which  corresponds
numerically to such date one, two, three or six months thereafter, provided that
if there is no such numerically corresponding day in such next, second, third or
sixth succeeding  month, such Interest Period shall end on the last Business Day
of such next,  second,  third or sixth  succeeding  month. If an Interest Period
would  otherwise end on a day which is not a Business Day, such Interest  Period
shall  end on the next  succeeding  Business  Day,  provided  that if said  next
succeeding  Business Day falls in a new calendar  month,  such  Interest  Period
shall end on the immediately preceding Business Day.

     "Investment"  of a Person means any loan,  advance (other than  commission,
travel and similar  advances  to officers  and  employees  made in the  ordinary
course of business), extension of credit (other than accounts receivable arising
in the  ordinary  course  of  business  on  terms  customary  in the  trade)  or
contribution of capital by such Person; stocks, bonds, mutual funds, partnership
interests,  notes,  debentures  or other  securities  owned by such Person;  any
deposit accounts and certificate of deposit owned by such Person; and structured
notes,  derivative  financial  instruments  and  other  similar  instruments  or
contracts owned by such Person.

     "Knowledge"  means,  with respect to the Borrower,  the actual knowledge of
(i) any Authorized Officer, (ii) any vice president of the Borrower in charge of
a principal business unit,  division or function (such as sales,  administration
or finance),  (iii) any other officer who performs a policy  making  function or
(iv) any other person who  performs  similar  policy  making  functions  for the
Borrower.

     "Lenders" means the lending  institutions  listed on the signature pages of
this  Agreement  and  their   respective   successors   and  assigns.

     "Lending   Installation"   means,   with   respect   to  a  Lender  or  the
Administrative Agent, the office, branch, subsidiary or affiliate of such Lender
or the Administrative Agent listed on its administrative questionnaire or on the
signature   pages   hereof  or   otherwise   selected  by  such  Lender  or  the
Administrative Agent pursuant to Section 2.18.

     "Letter  of  Credit"  of a  Person  means a letter  of  credit  or  similar
instrument  which is issued  upon the  application  of such Person or upon which
such Person is an account party or for which such Person is in any way liable.

     "Lien"   means  any  lien   (statutory   or   other),   mortgage,   pledge,
hypothecation,  assignment,  deposit arrangement,  encumbrance or other security
arrangement (including,  without limitation,  the interest of a vendor or lessor
under  any  conditional  sale,   Capitalized  Lease  or  other  title  retention
agreement).

     "Loan"  means,  with  respect  to a Lender,  any loan  made by such  Lender
pursuant  to Article  II (or any  conversion  or  continuation  thereof).

     "Loan  Documents"  means this  Agreement  and any Notes issued  pursuant to
Section 2.15.

                                      -7-
<PAGE>
     "Mandatorily Redeemable Stock" means, with respect to any Person, any share
of such Person's capital stock or other equity interest to the extent that it is
(a)  redeemable,  payable or required to be purchased  or  otherwise  retired or
extinguished,  or convertible  into any  Indebtedness or other liability of such
Person,  (i) at a fixed or determinable  date, whether by operation of a sinking
fund or  otherwise,  (ii) at the option of any Person  other than such Person or
(iii) upon the  occurrence  of a condition not solely within the control of such
Person,  such as a redemption  required to be made out of future earnings or (b)
convertible into Mandatorily Redeemable Stock.

     "Material  Adverse  Effect"  means a  material  adverse  effect  on (i) the
business,  Property, condition (financial or otherwise) or results of operations
of the Borrower and its Subsidiaries  taken as a whole,  (ii) the ability of the
Borrower  to perform  its  obligations  under the Loan  Documents,  or (iii) the
validity  or  enforceability  of any of the  Loan  Documents  or the  rights  or
remedies of the Agent or the Lenders thereunder.

     "Material Group of Subsidiaries"  means two or more Subsidiaries  which, if
merged as of any relevant date of determination,  would constitute a Significant
Subsidiary.

     "Multiemployer  Plan"  means a Plan  maintained  pursuant  to a  collective
bargaining  agreement  or any other  arrangement  to which the  Borrower  or any
member of the  Controlled  Group is a party to which more than one  employer  is
obligated to make contributions.

     "Net Cash  Proceeds"  means,  with respect to any Asset Sale, the aggregate
cash proceeds  (including cash proceeds  received by way of deferred  payment of
principal pursuant to a note, installment  receivable or otherwise,  but only as
and when received)  received by the Borrower or any Subsidiary  pursuant to such
Asset Sale net of (i) the direct  costs  relating to such Asset Sale  (including
sales commissions and legal, accounting and investment banking fees), (ii) taxes
paid or reasonably  estimated by the Borrower to be payable as a result  thereof
(after taking into account any  available tax credits or deductions  and any tax
sharing arrangements),  (iii) amounts required to be applied to the repayment of
any Indebtedness secured by a Lien on any asset subject to such Asset Sale, (iv)
amounts required to be applied to prepay Private  Placement Debt (without giving
effect  to  any  amendment  after  the  date  hereof  to the  Private  Placement
Agreement)  and (v) the  proceeds  of any sale of any of the  assets  listed  on
Schedule  2.7(b) to the extent that such proceeds are applied within 150 days to
acquire oil or gas producing properties.

     "Non-U.S. Lender" is defined in Section 3.5(iv).

     "Note" means any promissory note issued at the request of a Lender pursuant
to  Section  2.14 in the form of  Exhibit  E.

     "Obligations" means all unpaid principal of and accrued and unpaid interest
on the Loans,  all  accrued and unpaid  fees and all  expenses,  reimbursements,
indemnities  and other  obligations  of the  Borrower  to the  Lenders or to any
Lender,  either Agent or any indemnified party arising under the Loan Documents.

                                      -8-
<PAGE>
     "Other Taxes" is defined in Section 3.5(ii).

     "Participants" is defined in Section 12.2.1.

     "Payment  Date"  means  the last day of each  March,  June,  September  and
December.

     "PBGC" means the Pension  Benefit  Guaranty  Corporation,  or any successor
thereto.

     "Person"  means any  natural  person,  corporation,  firm,  joint  venture,
partnership, limited liability company, association,  enterprise, trust or other
entity or  organization,  or any  government  or  political  subdivision  or any
agency, department or instrumentality thereof.

     "Plan" means an employee  pension benefit plan which is covered by Title IV
of ERISA or subject to the minimum  funding  standards  under Section 412 of the
Code as to which the Borrower or any member of the Controlled Group may have any
liability.

     "Prime  Rate"  means a rate per annum  equal to the prime rate of  interest
announced  by Bank  One or by its  parent,  BANK ONE  CORPORATION,  which is not
necessarily  the lowest rate charged to any customer,  changing when and as said
prime rate changes.

     "Principal  Transmission Facility" means any transportation or distribution
facility,  including pipelines, of the Borrower or any Subsidiary located in the
United States of America  other than (a) any such facility  which in the opinion
of the Board of Directors of the Borrower is not of material  importance  to the
business conducted by the Borrower and its Subsidiaries taken as a whole, or (b)
any such facility in which  interests are held by the Borrower or by one or more
Subsidiaries or by the Borrower and one or more  Subsidiaries  and by others and
the aggregate interest held by the Borrower and all Subsidiaries does not exceed
50%.

     "Private Placement Agreement" means the Note Agreement dated as of December
4, 1991 among the Borrower and various investors  pursuant to which the Borrower
issued the Private Placement Debt.

     "Private  Placement  Debt" means the 9.36% Senior Notes due 2011,  Series C
issued by the Borrower.

     "Productive  Property" means any property interest owned by the Borrower or
a Subsidiary in land (including submerged land and rights in and to oil, gas and
mineral  leases)  located in the United States of America and  classified by the
Borrower or such  Subsidiary,  as the case may be, as  productive  of crude oil,
natural gas or other petroleum hydrocarbons in paying quantities;  provided that
such term shall not include any  exploration  or  production  facilities on said
land, including any drilling or producing platform.

     "Property" of a Person means any and all property,  whether real, personal,
tangible, intangible, or mixed, of such Person, or other assets owned, leased or
operated by such Person.

                                      -9-
<PAGE>
     "Purchasers" is defined in Section 12.3.1.

     "Regulation D" means  Regulation D of the Board of Governors of the Federal
Reserve System as from time to time in effect and any successor thereto or other
regulation  or official  interpretation  of said Board of Governors  relating to
reserve requirements applicable to member banks of the Federal Reserve System.

     "Regulation U" means  Regulation U of the Board of Governors of the Federal
Reserve  System  as from  time to time in  effect  and any  successor  or  other
regulation or official interpretation of said Board of Governors relating to the
extension of credit by banks for the purpose of  purchasing  or carrying  margin
stocks applicable to member banks of the Federal Reserve System.

     "Reportable  Event" means a reportable  event as defined in Section 4043 of
ERISA and the  regulations  issued under such  section,  with respect to a Plan,
excluding,  however,  such events as to which the PBGC has by regulation  waived
the  requirement of Section  4043(a) of ERISA that it be notified within 30 days
of the  occurrence  of such event,  provided  that a failure to meet the minimum
funding standard of Section 412 of the Code and of Section 302 of ERISA shall be
a Reportable  Event  regardless of the issuance of any such waiver of the notice
requirement in accordance with either Section 4043(a) of ERISA or Section 412(d)
of the Code.

     "Required  Lenders" means Lenders in the aggregate  having at least 66-2/3%
of the Aggregate Commitment or, if the Aggregate Commitment has been terminated,
Lenders in the  aggregate  holding  at least  66-2/3%  of the  aggregate  unpaid
principal amount of the outstanding Advances.

     "Reserve  Requirement" means, with respect to an Interest Period, the daily
average during such Interest Period of the maximum aggregate reserve requirement
(including  all  basic,  supplemental,  marginal  and other  reserves)  which is
imposed under Regulation D on Eurocurrency liabilities.

     "Sale  and  Leaseback  Transaction"  means  any sale or other  transfer  of
Property  by any  Person  with the  intent to lease  such  Property  as  lessee.

     "Schedule" refers to a specific schedule to this Agreement,  unless another
document is specifically referenced.

     "SEC" means the Securities and Exchange Commission.

     "Section"  means a  numbered  section  of this  Agreement,  unless  another
document is specifically  referenced.

     "Significant  Subsidiary"  means,  as of any  date of  determination,  each
Subsidiary of the Borrower that meets any of the following criteria:

                                      -10-
<PAGE>
         (i) the  Borrower's and its other  Subsidiaries'  Investments in and to
     such  Subsidiary  (and  its  respective  Subsidiaries),  as  shown  in  the
     consolidated  financial  statements  of the Borrower  and its  Subsidiaries
     prepared as of the end of the fiscal  quarter ended most recently  prior to
     such date of determination,  exceed 10% of the total consolidated assets of
     the Borrower and its Subsidiaries; or

         (ii) the assets of such  Subsidiary  (and its respective  Subsidiaries)
     represent more than 10% of the consolidated  assets of the Borrower and its
     Subsidiaries  as would be shown in the  consolidated  financial  statements
     referred to in clause (i) above; or

         (iii) such Subsidiary (and its respective  Subsidiaries) is responsible
     for more than 10% of the  consolidated net sales or of the consolidated net
     income of the Borrower and its  Subsidiaries  as reflected in the financial
     statements referred to in clause (i) above;

provided  that each such  determination  of such  sales or assets  shall be made
after  deducting  all  intercompany   transactions  which,  in  accordance  with
Agreement Accounting  Principles,  would be eliminated in preparing consolidated
financial statements for the Borrower and its Subsidiaries.

     "Single  Employer  Plan"  means a Plan  maintained  by the  Borrower or any
member of the  Controlled  Group for  employees of the Borrower or any member of
the Controlled Group.

     "Stockholders'   Equity"  means  the   Borrower's   stockholders'   equity,
determined in  accordance  with  Agreement  Accounting  Principles,  but without
giving effect to (1) any non-cash  charge after the date hereof  resulting  from
any write-down of the Borrower's oil and gas properties to the full cost ceiling
limitations  required by the full cost method of accounting for such  properties
and (ii) any non-cash gain or loss on any hedging  agreement  resulting from the
requirements of SFAS 133.

     "Subsidiary"  of a Person  means (i) any  corporation  more than 50% of the
outstanding  securities  having ordinary voting power of which shall at the time
be owned or controlled, directly or indirectly, by such Person or by one or more
of its  Subsidiaries or by such Person and one or more of its  Subsidiaries,  or
(ii) any partnership,  limited liability company, association,  joint venture or
similar business  organization  more than 50% of the ownership  interests having
ordinary  voting  power  of which  shall at the time be so owned or  controlled.
Unless otherwise  expressly  provided,  all references  herein to a "Subsidiary"
shall mean a Subsidiary of the Borrower.

     "Syndication  Agent"  means  Bank  of  America,  N.A.  in its  capacity  as
syndication  agent  for  the  Lenders  pursuant  to  Article  X,  and not in its
individual  capacity  as  Lender.

     "Taxes" means any and all present or future taxes, duties, levies, imposts,
deductions, charges or withholdings, and any and all liabilities with respect to
the foregoing, but excluding Excluded Taxes and Other Taxes.

                                      -11-
<PAGE>
     "Total Debt" means all  Indebtedness of the Borrower and its  Subsidiaries,
determined on a  consolidated  basis in  accordance  with  Agreement  Accounting
Principles.

     "Transaction Rate" means, for any day, a rate per annum equal to the higher
of the rate  quoted  by the  Administrative  Agent  and the rate  quoted  by the
Syndication  Agent,  in each case for a loan to the  Borrower,  for the relevant
Transaction  Rate Interest  Period,  pursuant to procedures  agreed to among the
Borrower and the Agents.

     "Transaction  Rate  Advance"  means an Advance  which,  except as otherwise
provided in Section 2.12,  bears  interest at the applicable  Transaction  Rate.

     "Transaction  Rate  Interest  Period" means a period of not less than 1 nor
more than 180 days, commencing on a Business Day, agreed to by the Borrower, the
Administrative  Agent and the Syndication  Agent at the time of establishing the
Transaction Rate for such period.  If any Transaction Rate Interest Period would
end on a day which is not a Business Day, such  Transaction Rate Interest Period
shall end on the next succeeding Business Day.

     "Transaction Rate Loan" means a Loan which, except as otherwise provided in
Section 2.12, bears interest at a Transaction Rate.

     "Transferee" is defined in Section 12.4.

     "Type"  means,  with respect to any Advance,  its nature as a Floating Rate
Advance, a Eurodollar Advance or a Transaction Rate Advance.

     "Unmatured  Default"  means an event which but for the lapse of time or the
giving of notice, or both, would, unless cured or waived, constitute a Default.

     "Wholly-Owned  Subsidiary"  of a Person means (i) any Subsidiary all of the
outstanding voting securities of which shall at the time be owned or controlled,
directly or indirectly,  by such Person or one or more Wholly-Owned Subsidiaries
of such Person, or by such Person and one or more  Wholly-Owned  Subsidiaries of
such Person, or (ii) any partnership,  limited liability  company,  association,
joint venture or similar business  organization 100% of the ownership  interests
having  ordinary  voting  power  of  which  shall  at the  time be so  owned  or
controlled.

     The foregoing  definitions shall be equally applicable to both the singular
and plural forms of the defined terms.


                                   ARTICLE II

                                  THE CREDITS

     2.1  Commitment.  From and including the date of this  Agreement and to the
Final Maturity Date, each Lender severally  agrees,  on the terms and conditions
set forth in this

                                      -12-
<PAGE>
Agreement  (including  Section  4.2(iv) and (v)),  to make Loans to the Borrower
from time to time in  amounts  not to exceed  in the  aggregate  at any one time
outstanding  the  amount  of its  Commitment.  Subject  to  the  terms  of  this
Agreement,  the Borrower may borrow, repay and reborrow at any time prior to the
Final Maturity Date.

     2.2 Required  Payments;  Maturity.  Any outstanding  Advances and all other
unpaid  Obligations  shall be paid in full by the Borrower on the Final Maturity
Date or such other date required by Section 2.8 below.

     2.3 Ratable Loans.  Each Advance hereunder shall consist of Loans made from
the several  Lenders  ratably in proportion  to the ratio that their  respective
Commitments bear to the Aggregate Commitment.

     2.4  Types  of  Advances.  The  Advances  may be  Floating  Rate  Advances,
Eurodollar  Advances or  Transaction  Rate Advances,  or a combination  thereof,
selected by the Borrower in accordance with Sections 2.9 and 2.10; provided that
not more than  $20,000,000 of Transaction  Rate Advances shall be outstanding at
any time.

     2.5  Commitment  Fee;  Voluntary  Reductions in Aggregate  Commitment.  The
Borrower  agrees  to pay to the  Administrative  Agent for the  account  of each
Lender a commitment  fee at a per annum rate equal to 0.375% on the daily unused
portion of such  Lender's  Commitment  from the date hereof to and including the
Final  Maturity  Date,  payable on each Payment Date  hereafter and on the Final
Maturity Date. The Borrower may permanently  reduce the Aggregate  Commitment in
whole,  or  in  part  ratably  among  the  Lenders,  in  integral  multiples  of
$1,000,000,   upon  at  least  three   Business  Days'  written  notice  to  the
Administrative  Agent,  which  notice  shall  specify  the  amount  of any  such
reduction,  provided  that the  amount of the  Aggregate  Commitment  may not be
reduced below the aggregate  principal amount of the outstanding  Advances.  All
accrued  commitment  fees  shall  be  payable  on  the  effective  date  of  any
termination of the obligations of the Lenders to make Loans hereunder.

     2.6 Minimum Amount of Each Advance. Each Eurodollar Advance shall be in the
minimum  amount of $750,000 (and in multiples of $50,000 if in excess  thereof),
and each  Floating  Rate Advance and  Transaction  Rate Advance  shall be in the
minimum  amount of $500,000 (and in multiples of $50,000 if in excess  thereof),
provided  that any Floating Rate Advance or  Transaction  Rate Advance may be in
the amount of the unused Aggregate Commitment.

     2.7 Mandatory Reductions in Aggregate Commitment.  (a) Within five Business
Days  after  the  receipt  by the  Borrower  or any  Subsidiary  of the Net Cash
Proceeds  of any Asset Sale,  the  Aggregate  Commitment  shall be reduced by an
amount  equal to such Net Cash  Proceeds;  provided  that (x) no such  reduction
shall  be  required  unless  the  aggregate  amount  of all  Net  Cash  Proceeds
(excluding  any Net Cash  Proceeds  previously  applied to reduce the  Aggregate
Commitment  pursuant to this Section)  received since the date of this Agreement
equals or  exceeds  $1,000,000;  and (y) the amount of Net Cash  Proceeds  to be
applied on any single

                                      -13-
<PAGE>
occasion  shall be rounded  down to an integral  multiple of $100,000  (it being
understood  that the amount of Net Cash  Proceeds in excess of any such integral
multiple  shall be  applied  on the next  date on which  Net Cash  Proceeds  are
applied).

     (b) In addition to any  reduction of the Aggregate  Commitment  pursuant to
clause (a) above,  if the  Private  Placement  has not been  repaid on or before
September 12, 2000, the Aggregate Commitment shall be reduced on such date by an
amount equal to the excess,  if any, of $25,000,000 over the aggregate amount of
all  previous  voluntary  reductions  of the  Aggregate  Commitment  pursuant to
Section 2.5.

     (c) In addition to any  reduction of the Aggregate  Commitment  pursuant to
clause (a) or (b) above,  the Aggregate  Commitment  shall be reduced to zero on
the date of the  occurrence  of a sale by the  Borrower of the capital  stock of
Arkansas  Western Gas Company,  or any sale of all or  substantially  all of the
assets, of Arkansas Western Gas Company.

     2.8  Prepayments.  (a) The Borrower  may from time to time prepay,  without
penalty or premium,  all outstanding  Floating Rate Advances or Transaction Rate
Advances,  or,  in a minimum  aggregate  amount of  $1,000,000  or any  integral
multiple of $500,000 in excess thereof,  any portion of the outstanding Floating
Rate Advances or  Transaction  Rate  Advances upon notice to the  Administrative
Agent not later than 10:00 a.m.  (Chicago time) on the date of  prepayment.  The
Borrower  may  from  time  to time  prepay,  without  penalty  or  premium,  all
outstanding Eurodollar Advances, or, in a minimum aggregate amount of $1,000,000
or any integral  multiple of  $1,000,000 in excess  thereof,  any portion of the
outstanding  Eurodollar  Advances upon three  Business Days' prior notice to the
Administrative Agent.

     (b) On any date on which the Aggregate  Commitment  is reduced  pursuant to
Section 2.7, the Borrower shall make a prepayment of Advances in the amount,  if
any, by which the aggregate principal amount of all outstanding Advances exceeds
the Aggregate  Commitment.  Any partial  prepayment  pursuant to this clause (b)
shall be applied to such  Advances as the Borrower may direct or, in the absence
of such direction,  as the Administrative  Agent may reasonably  determine as so
reduced.

     (c) Any prepayment of a Eurodollar Loan or a Transaction Rate Loan on a day
other  than the last day of an  Interest  Period  therefor  shall be  subject to
Section 3.4.

     2.9 Method of Selecting  Types and Interest  Periods for New Advances.  The
Borrower  shall select the Type of Advance  and, in the case of each  Eurodollar
Advance and Transaction  Rate Advance,  the Interest Period  applicable  thereto
from time to time. The Borrower shall give the Administrative  Agent irrevocable
notice (a "Borrowing  Notice") not later than 10:00 a.m.  (Chicago  time) on the
Borrowing  Date of each  Floating Rate Advance or  Transaction  Rate Advance and
three  Business  Days  before the  Borrowing  Date of each  Eurodollar  Advance,
specifying:

     (i) the Borrowing Date, which shall be a Business Day, of such Advance,

                                      -14-
<PAGE>
     (ii) the aggregate amount of such Advance,

     (iii) the Type of Advance selected, and

     (iv) in the case of each Eurodollar  Advance and Transaction  Rate Advance,
          the Interest Period applicable thereto.

Each Borrowing Notice for a Floating Rate Advance or a Eurodollar  Advance shall
be in writing (or by telephone promptly  confirmed in writing)  substantially in
the form of Exhibit A.

Not later than noon (Chicago  time) on each  Borrowing  Date,  each Lender shall
make  available its Loan or Loans in funds  immediately  available in Chicago to
the Administrative  Agent at its address specified pursuant to Article XIII. The
Administrative  Agent will make the funds so received from the Lenders available
to the Borrower at the Administrative Agent's aforesaid address.

     2.10  Conversion and  Continuation of Outstanding  Advances.  Floating Rate
Advances shall continue as Floating Rate Advances unless and until such Floating
Rate Advances are converted into  Eurodollar  Advances  pursuant to this Section
2.10 or are repaid in accordance with Section 2.8. Each  Eurodollar  Advance and
Transaction  Rate Advance shall continue as a Eurodollar  Advance or Transaction
Rate Advance,  as the case may be, until the end of the then applicable Interest
Period  therefor,  at which time such  Eurodollar  Advance or  Transaction  Rate
Advance shall be automatically converted into a Floating Rate Advance unless (x)
such Advance is or was repaid in accordance with Section 2.8 or (y) the Borrower
shall have given the Administrative Agent a  Conversion/Continuation  Notice (as
defined below) requesting that, at the end of such Interest Period, such Advance
continue as a Eurodollar  Advance or a Transaction Rate Advance,  as applicable,
for the same or another  Interest  Period.  Subject to the terms of Section 2.6,
the  Borrower  may  elect  from time to time to  convert  all or any part of any
Advance  into  an  Advance  of  another  Type.   The  Borrower  shall  give  the
Administrative Agent irrevocable notice (a "Conversion/Continuation  Notice") of
each  continuation  or  conversion  of  an  Advance  (other  than  an  automatic
continuation  or conversion as provided in this Section 2.10) not later than the
time  specified  in  Section  2.9 for the  making of the Type of  Advance  to be
continued or converted into, specifying:

     (i)   the requested date, which shall be a Business Day, of such conversion
           or continuation,

     (ii)  the aggregate amount and Type of the Advance which is to be converted
           or continued,

     (iii) in the case of  conversion  of an Advance,  the Type of Advance to be
           converted into,

     (iv)  the amount of such Advance which is to be converted or continued, and

                                      -15-
<PAGE>
     (v)   in the  case of  conversion  into or  continuation  of  a  Eurodollar
           Advance  or  a  Transaction   Rate   Advance,  the  duration  of  the
           Interest  Period applicable thereto.

Each  Conversion/Continuation  Notice given by the Borrower  shall  constitute a
representation and warranty by the Borrower that no Default or Unmatured Default
exists.

     2.11 Changes in Interest  Rate,  etc. Each Floating Rate Advance shall bear
interest on the  outstanding  principal  amount  thereof,  for each day from and
including  the date such  Advance is made or is  converted  from another Type of
Advance into a Floating Rate Advance  pursuant to Section 2.10, to but excluding
the date it is paid or is converted  into  another  Type of Advance  pursuant to
Section  2.10,  at a rate per  annum  equal to the  Floating  Rate for such day.
Changes in the rate of interest on that portion of any Advance  maintained  as a
Floating  Rate Advance will take effect  simultaneously  with each change in the
Alternate Base Rate. Each Eurodollar  Advance and Transaction Rate Advance shall
bear interest on the outstanding principal amount thereof from and including the
first day of the Interest Period  applicable  thereto to (but not including) the
last  day of  such  Interest  Period  at the  interest  rate  determined  by the
Administrative  Agent as applicable to such  Eurodollar  Advance and Transaction
Rate Advance based upon the  Borrower's  selections  under Sections 2.9 and 2.10
and otherwise in accordance  with the terms hereof.  No Interest  Period may end
after the Final Maturity Date.

     2.12  Rates  Applicable  After  Default.  Notwithstanding  anything  to the
contrary  contained in Section 2.9 or 2.10,  during the continuance of a Default
or Unmatured Default the Required Lenders may, at their option, by notice to the
Borrower  (which  notice may be revoked  at the option of the  Required  Lenders
notwithstanding  any provision of Section 8.2 requiring unanimous consent of the
Lenders to changes in interest  rates),  declare that no Advance may be made as,
converted  into or  continued  as a  Eurodollar  Advance or a  Transaction  Rate
Advance.  During the continuance of a Default the Required Lenders may, at their
option,  by notice to the Borrower (which notice may be revoked at the option of
the Required  Lenders  notwithstanding  any  provision of Section 8.2  requiring
unanimous consent of the Lenders to changes in interest rates), declare that (i)
each Eurodollar Advance and Transaction Rate Advance shall bear interest for the
remainder of the applicable Interest Period at the rate otherwise  applicable to
such Interest Period plus 2% per annum and (ii) each Floating Rate Advance shall
bear interest at a rate per annum equal to the Floating Rate in effect from time
to time plus 2% per annum,  provided that,  during the  continuance of a Default
under  Section 7.1.6 or 7.1.7,  the interest  rates set forth in clauses (i) and
(ii) above shall be applicable to all Advances without any election or action on
the part of either Agent or any Lender.

     2.13 Method of Payment. All payments of the Obligations  hereunder shall be
made, without setoff, deduction, or counterclaim, in immediately available funds
to the  Administrative  Agent at the  Administrative  Agent's address  specified
pursuant  to  Article  XIII,  or  at  any  other  Lending  Installation  of  the
Administrative  Agent  specified in writing by the  Administrative  Agent to the
Borrower, by noon (local time) on the date when due and shall be applied ratably
by the  Administrative  Agent among the Lenders.  Each payment  delivered to the
Administrative  Agent for the account of any Lender shall be delivered  promptly
by the Administrative Agent to
                                      -16-
<PAGE>
such Lender in the same type of funds that the Administrative  Agent received at
its address  specified  pursuant to Article XIII or at any Lending  Installation
specified in a notice received by the Administrative Agent from such Lender. The
Administrative  Agent is hereby authorized to charge the account of the Borrower
maintained with Bank One for each payment of principal,  interest and fees as it
becomes due hereunder.

     2.14 Noteless  Agreement;  Evidence of Indebtedness.  (i) Each Lender shall
maintain in accordance with its usual practice an account or accounts evidencing
the indebtedness of the Borrower to such Lender resulting from each Loan made by
such Lender from time to time,  including  the amounts of principal and interest
payable and paid to such Lender from time to time hereunder.

     (ii) The Administrative Agent shall also maintain accounts in which it will
record  (a) the amount of each Loan made  hereunder,  the Type  thereof  and the
Interest  Period  with  respect  thereto,  (b) the  amount of any  principal  or
interest  due and payable or to become due and payable from the Borrower to each
Lender  hereunder  and (c) the amount of any sum received by the  Administrative
Agent hereunder from the Borrower and each Lender's share thereof.

     (iii)  The  entries  maintained  in the  accounts  maintained  pursuant  to
paragraphs (i) and (ii) above shall be prima facie evidence of the existence and
amounts of the Obligations  therein  recorded;  provided that the failure of the
Administrative  Agent or any  Lender  to  maintain  such  accounts  or any error
therein shall not in any manner  affect the  obligation of the Borrower to repay
the Obligations in accordance with their terms.

     (iv) Any Lender may request that its Loans be evidenced by a Note.  In such
event,  the Borrower  shall  prepare,  execute and deliver to such Lender a Note
payable to the order of such  Lender in a form  supplied  by the  Administrative
Agent substantially in the form of Exhibit E. Thereafter, the Loans evidenced by
such  Note  and  interest  thereon  shall  at all  times  (including  after  any
assignment pursuant to Section 12.3) be represented by one or more Notes payable
to the order of the payee  named  therein or any  assignee  pursuant  to Section
12.3, except to the extent that any such Lender or assignee subsequently returns
any such Note for  cancellation  and  requests  that such  Loans  once  again be
evidenced as described in paragraphs (i) and (ii) above.

     2.15 Telephonic Notices. The Borrower hereby authorizes the Lenders and the
Administrative Agent to extend, convert or continue Advances,  effect selections
of Types of Advances and to transfer  funds based on telephonic  notices made by
any  person or  persons  the  Administrative  Agent or any  Lender in good faith
believes to be acting on behalf of the Borrower,  it being  understood  that the
foregoing  authorization is specifically intended to allow Borrowing Notices and
Conversion/Continuation Notices to be given telephonically.  The Borrower agrees
to deliver promptly to the Administrative Agent a written confirmation,  if such
confirmation  is requested by the  Administrative  Agent or any Lender,  of each
telephonic notice signed by an Authorized Officer.  If the written  confirmation
differs in any  material  respect  from the action  taken by the  Administrative
Agent and the Lenders,  the records of the Administrative  Agent and the Lenders
shall govern absent manifest error.

                                      -17-
<PAGE>
     2.16 Interest  Payment Dates;  Interest and Fee Basis.  Interest accrued on
each Floating  Rate Advance  shall be payable on each Payment  Date,  commencing
with the first such date to occur  after the date  hereof,  on any date on which
the Floating Rate Advance is prepaid,  whether due to acceleration or otherwise,
or is converted into another Type of Advance, and at maturity.  Interest accrued
on each Eurodollar  Advance and Transaction Rate Advance shall be payable on the
last day of each applicable  Interest Period,  on any date on which such Advance
is prepaid,  whether by acceleration or otherwise,  or is converted into another
Type of Advance,  and at maturity.  Interest accrued on each Eurodollar  Advance
and Transaction  Rate Advance having an Interest Period longer than three months
shall also be payable on the last day of each  three-month  interval during such
Interest  Period.  Interest and  commitment  fees shall be calculated for actual
days elapsed on the basis of a 360-day year,  except that  interest  accruing at
the Prime Rate shall be  calculated  for actual  days  elapsed on the basis of a
365, or when appropriate 366, day year. Interest shall be payable for the day an
Advance is made but not for the day of any payment on the amount paid if payment
is received  prior to noon (local time) at the place of payment.  If any payment
of principal of or interest on an Advance shall become due on a day which is not
a Business Day, such payment shall be made on the next  succeeding  Business Day
and,  in the  case of a  principal  payment,  such  extension  of time  shall be
included in computing interest in connection with such payment.

     2.17 Notification of Advances,  Interest Rates,  Prepayments and Commitment
Reductions. Promptly after receipt thereof, the Administrative Agent will notify
each  Lender of the  contents of each  Aggregate  Commitment  reduction  notice,
Borrowing Notice,  Conversion/Continuation Notice, and repayment notice received
by it  hereunder.  The  Administrative  Agent  will  notify  each  Lender of the
interest rate applicable to each Eurodollar Advance and Transaction Rate Advance
promptly  upon  determination  of such  interest  rate and will give each Lender
prompt notice of each change in the Alternate Base Rate.

     2.18 Lending  Installations.  Each Lender may book its Loans at any Lending
Installation  selected by such  Lender and may change its  Lending  Installation
from time to time. All terms of this  Agreement  shall apply to any such Lending
Installation  and the Loans and any Notes issued  hereunder shall be deemed held
by each Lender for the  benefit of any such  Lending  Installation.  Each Lender
may,  by  written  notice  to the  Administrative  Agent  and  the  Borrower  in
accordance  with Article  XIII,  designate  replacement  or  additional  Lending
Installations  through which Loans will be made by it and for whose account Loan
payments are to be made.

     2.19 Non-Receipt of Funds by the Administrative  Agent. Unless the Borrower
or a Lender, as the case may be, notifies the Administrative  Agent prior to the
date on which it is scheduled to make payment to the Administrative Agent of (i)
in the  case of a  Lender,  the  proceeds  of a Loan or (ii) in the  case of the
Borrower,  a payment of principal,  interest or fees to the Administrative Agent
for the account of the  Lenders,  that it does not intend to make such  payment,
the  Administrative  Agent may  assume  that such  payment  has been  made.  The
Administrative Agent may, but shall not be obligated to, make the amount of such
payment available to the intended recipient in reliance upon such assumption. If
such  Lender  or the  Borrower,  as the case may be,  has not in fact  made such
payment to the Administrative Agent,

                                      -18-
<PAGE>
the  recipient of such payment  shall,  on demand by the  Administrative  Agent,
repay to the  Administrative  Agent the amount so made  available  together with
interest thereon in respect of each day during the period commencing on the date
such amount was so made available by the Administrative Agent until the date the
Administrative  Agent  recovers  such amount at a rate per annum equal to (x) in
the case of payment by a Lender,  the Federal Funds  Effective Rate for such day
for the first three days and,  thereafter,  the interest rate  applicable to the
relevant Loan or (y) in the case of payment by the  Borrower,  the interest rate
applicable to the relevant Loan.

     2.20 Replacement of Lender. If the Borrower is required pursuant to Section
3.1, 3.2 or 3.5 to make any additional  payment to any Lender or if any Lender's
obligation to make or continue, or to convert Advances into, Eurodollar Advances
shall be suspended  pursuant to Section 3.3 (any Lender so affected an "Affected
Lender"), the Borrower may elect, if such amounts continue to be charged or such
suspension is still effective, to replace such Affected Lender as a Lender party
to this  Agreement,  provided  that no Default or Unmatured  Default  shall have
occurred  and be  continuing  at the  time of such  replacement,  and  provided,
further,  that,  concurrently with such  replacement,  (i) another bank or other
entity which is reasonably  satisfactory to the Borrower and the  Administrative
Agent shall agree,  as of such date, to purchase for cash the Advances and other
Obligations due to the Affected  Lender pursuant to an assignment  substantially
in the form of  Exhibit C and to become a Lender  for all  purposes  under  this
Agreement and to assume all  obligations of the Affected Lender to be terminated
as of such date and to comply with the  requirements  of Section 12.3 applicable
to assignments,  and (ii) the Borrower shall pay to such Affected Lender in same
day  funds on the day of such  replacement  (A) all  interest,  fees  and  other
amounts  then  accrued  but  unpaid  to such  Affected  Lender  by the  Borrower
hereunder to and including the date of termination, including without limitation
payments due to such Affected Lender under Sections 3.1, 3.2 and 3.5, and (B) an
amount, if any, equal to the payment which would have been due to such Lender on
the day of such  replacement  under  Section 3.4 had the Loans of such  Affected
Lender been prepaid on such date rather than sold to the replacement Lender.

                                  ARTICLE III

                            YIELD PROTECTION; TAXES

     3.1 Yield Protection.  (a) If, on or after the date of this Agreement,  (x)
the   adoption   of  or  any   change  in  any  law  or  any   governmental   or
quasi-governmental rule, regulation,  policy, guideline or directive (whether or
not  having  the  force of law),  or (y) any  change  in the  interpretation  or
administration  thereof by any  governmental  or  quasi-governmental  authority,
central  bank  or  comparable   agency  charged  with  the   interpretation   or
administration  thereof,  or (z) compliance by any Lender or applicable  Lending
Installation  with any request or directive  (whether or not having the force of
law) issued on or after the date hereof of any such  authority,  central bank or
comparable agency:

                                      -19-
<PAGE>
         (i)   subjects any Lender or any applicable Lending Installation to any
               Taxes,  or changes the basis of taxation of payments  (other than
               with  respect to Excluded  Taxes) to any Lender in respect of its
               Eurodollar Loans, or

         (ii)  imposes or increases or deems applicable any reserve, assessment,
               insurance charge,  special deposit or similar requirement against
               assets  of,  deposits  with  or for the  account  of,  or  credit
               extended by, any Lender or any  applicable  Lending  Installation
               (other  than  reserves  and  assessments  taken  into  account in
               determining the interest rate applicable to Eurodollar Advances),
               or

         (iii) imposes  any other  condition  the result of which is to increase
               the cost to any Lender or any applicable Lending  Installation of
               making,  funding or maintaining  its Eurodollar  Loans or reduces
               any amount  receivable  by any Lender or any  applicable  Lending
               Installation in connection with its Eurodollar Loans, or requires
               any Lender or any  applicable  Lending  Installation  to make any
               payment calculated by reference to the amount of Eurodollar Loans
               held or interest  received by it, by an amount deemed material by
               such Lender,

and the result of any of the foregoing is to increase the cost to such Lender or
applicable Lending Installation of making or maintaining its Eurodollar Loans or
Commitment or to reduce the return received by such Lender or applicable Lending
Installation  in connection  with such  Eurodollar  Loans or  Commitment,  then,
within 15 days of demand by such Lender, the Borrower shall pay such Lender such
additional  amount or amounts as will  compensate such Lender for such increased
cost or reduction in amount  received.  A Lender shall not be entitled to demand
compensation  or be compensated  hereunder to the extent that such  compensation
relates  to any  period of time more than 60 days  prior to the date upon  which
such Lender first notified the Borrower of the occurrence of the event entitling
such  Lender to such  compensation  (unless,  and to the  extent,  that any such
compensation  so demanded  shall relate to the  retroactive  application  of any
event so notified to the Borrower).

     (b) Without  limiting clause (a) above, any Lender may require the Borrower
to pay,  contemporaneously  with each payment of interest on any Eurodollar Loan
of such Lender,  additional interest on such Eurodollar Loan at a rate per annum
determined  by such  Lender up to but not  exceeding  the  excess of (i) (A) the
applicable Eurodollar Base Rate divided by (B) one minus the Reserve Requirement
over (ii) the  applicable  Eurodollar  Base Rate.  Any Lender wishing to require
payment of such  additional  interest  (x) shall so notify the  Borrower and the
Administrative  Agent, in which case such additional  interest on the Eurodollar
Loans of such Lender  shall be payable to such Lender at the place  indicated in
such notice  with  respect to each  Interest  Period  commencing  at least three
Business  Days after the giving of such notice and (y) shall notify the Borrower
at least five Business  Days prior to each date on which  interest is payable on
any Eurodollar Loan of the amount then due it under this Section.

     3.2 Changes in Capital  Adequacy  Regulations.  If a Lender  determines the
amount of capital  required or expected to be  maintained  by such  Lender,  any
Lending Installation of such

                                      -20-
<PAGE>
Lender or any corporation  controlling such Lender is increased as a result of a
Change,  then,  within 15 days of demand by such Lender,  the Borrower shall pay
such Lender the amount  necessary to compensate for any shortfall in the rate of
return on the portion of such increased  capital which such Lender determines is
attributable  to this  Agreement,  its  Loans or its  Commitment  to make  Loans
hereunder  (after  taking  into  account  such  Lender's  policies as to capital
adequacy). "Change" means (i) any change after the date of this Agreement in the
Risk-Based  Capital  Guidelines  or (ii) any  adoption of or change in any other
law, governmental or quasi-governmental  rule,  regulation,  policy,  guideline,
interpretation,  or directive (whether or not having the force of law) after the
date of this Agreement which affects the amount of capital  required or expected
to be maintained by any Lender or any Lending  Installation  or any  corporation
controlling any Lender. "Risk-Based Capital Guidelines" means (i) the risk-based
capital guidelines in effect in the United States on the date of this Agreement,
including  transition  rules,  and (ii) the  corresponding  capital  regulations
promulgated by regulatory authorities outside the United States implementing the
July 1988 report of the Basle  Committee on Banking  Regulation and  Supervisory
Practices  Entitled  "International  Convergence  of  Capital  Measurements  and
Capital  Standards,"  including  transition  rules,  and any  amendments to such
regulations adopted prior to the date of this Agreement.

     3.3 Availability of Types of Advances.  If any Lender reasonably determines
that  maintenance of its  Eurodollar  Loans at a suitable  Lending  Installation
would violate any applicable law, rule, regulation, or directive, whether or not
having the force of law, or if the Required  Lenders  reasonably  determine that
(i)  deposits  of a type  and  maturity  appropriate  to match  fund  Eurodollar
Advances are not available or (ii) the Eurodollar  Base Rate does not accurately
reflect the cost of  obtaining  funds to make or maintain  Eurodollar  Advances,
then the  Administrative  Agent shall  suspend the  availability  of  Eurodollar
Advances and require any affected  Eurodollar Advances to be repaid or converted
to Floating  Rate  Advances (on or before the date  required by such law,  rule,
regulation or directive),  subject to the payment of any funding indemnification
amounts required by Section 3.4.

     3.4 Funding  Indemnification.  If any payment of a Eurodollar  Advance or a
Transaction  Rate  Advance  occurs  on a date  which  is not the last day of the
applicable  Interest  Period,  whether  because of  acceleration,  prepayment or
otherwise,  or a Eurodollar Advance or a Transaction Rate Advance is not made on
the date  specified  by the  Borrower  for any reason  other than default by the
Lenders,  the Borrower will  indemnify each Lender for any loss or cost incurred
by it resulting therefrom,  including,  without limitation,  any loss or cost in
liquidating or employing  deposits  acquired to fund or maintain such Eurodollar
Advance or a Transaction Rate Advance.

     3.5 Taxes.  (i) All  payments by the  Borrower to or for the account of any
Lender or the  Administrative  Agent  hereunder  or under any Note shall be made
free and clear of and without  deduction for any and all Taxes.  If the Borrower
shall be  required  by law to deduct  any Taxes  from or in  respect  of any sum
payable  hereunder to any Lender or either  Agent,  (a) the sum payable shall be
increased as necessary so that after making all required  deductions  (including
deductions  applicable to  additional  sums payable under this Section 3.5) such
Lender

                                      -21-
<PAGE>
or such Agent (as the case may be)  receives an amount equal to the sum it would
have received had no such deductions been made, (b) the Borrower shall make such
deductions,  (c) the Borrower shall pay the full amount deducted to the relevant
authority in accordance  with  applicable law and (d) the Borrower shall furnish
to the  Administrative  Agent the original copy of a receipt  evidencing payment
thereof  within 30 days  after  such  payment  is made.

     (ii) In addition,  the Borrower  hereby agrees to pay any present or future
stamp or documentary  taxes and any other excise or property  taxes,  charges or
similar  levies which arise from any payment made hereunder or under any Note or
from the execution or delivery of, or otherwise  with respect to, this Agreement
or any Note ("Other Taxes").

     (iii) The Borrower  hereby  agrees to indemnify  each Agent and each Lender
for the full amount of Taxes or Other Taxes (including,  without limitation, any
Taxes or Other Taxes imposed on amounts  payable under this Section 3.5) paid by
such Agent or such Lender and any liability (including  penalties,  interest and
expenses)  arising  therefrom or with respect  thereto.  Payments due under this
indemnification  shall be made  within  30 days of the date  such  Agent or such
Lender makes demand therefor pursuant to Section 3.6.

     (iv) Each  Lender  that is not  incorporated  under the laws of the  United
States of America or a state thereof (each a "Non-U.S.  Lender")  agrees that it
will,  not less than ten  Business  Days after the date of this  Agreement,  (i)
deliver to each of the Borrower and the Administrative  Agent two duly completed
copies  of  United  States  Internal  Revenue  Service  Form W-8 BEN or W-8 ECI,
certifying in either case that such Lender is entitled to receive payments under
this  Agreement  without  deduction or  withholding of any United States federal
income  taxes,  and (ii) deliver to each of the Borrower and the  Administrative
Agent a United States Internal  Revenue Form W-8 or W-9, as the case may be, and
certify  that  it  is  entitled  to  an  exemption  from  United  States  backup
withholding tax. Each Non-U.S.  Lender further  undertakes to deliver to each of
the Borrower and the  Administrative  Agent (x) renewals or additional copies of
such form (or any  successor  form) on or before the date that such form expires
or becomes  obsolete,  and (y) after the  occurrence  of any event  requiring  a
change in the most recent  forms so delivered  by it, such  additional  forms or
amendments  thereto  as may be  reasonably  requested  by  the  Borrower  or the
Administrative  Agent.  All  forms  or  amendments  described  in the  preceding
sentence  shall certify that such Lender is entitled to receive  payments  under
this  Agreement  without  deduction or  withholding of any United States federal
income  taxes,  unless an event  (including  without  limitation  any  change in
treaty,  law or  regulation)  has  occurred  prior to the date on which any such
delivery would  otherwise be required which renders all such forms  inapplicable
or which would prevent such Lender from duly  completing and delivering any such
form or amendment  with  respect to it and such Lender  advises the Borrower and
the  Administrative  Agent that it is not capable of receiving  payments without
any deduction or withholding of United States federal income tax.

     (v) For any period during which a Non-U.S. Lender has failed to provide the
Borrower with an  appropriate  form pursuant to clause (iv),  above (unless such
failure is due to a change in treaty,  law or  regulation,  or any change in the
interpretation or administration thereof by any

                                      -22-
<PAGE>
governmental  authority,  occurring  subsequent  to the  date  on  which  a form
originally  was  required to be  provided),  such  Non-U.S.  Lender shall not be
entitled to indemnification under this Section 3.5 with respect to Taxes imposed
by the United States; provided that, should a Non-U.S. Lender which is otherwise
exempt from or subject to a reduced rate of  withholding  tax become  subject to
Taxes  because of its  failure to deliver a form  required  under  clause  (iv),
above,  the  Borrower  shall  take  such  steps as such  Non-U.S.  Lender  shall
reasonably request to assist such Non-U.S. Lender to recover such Taxes.

     (vi) Any Lender that is  entitled  to an  exemption  from or  reduction  of
withholding  tax with  respect  to  payments  under this  Agreement  or any Note
pursuant to the law of any relevant  jurisdiction or any treaty shall deliver to
the Borrower  (with a copy to the  Administrative  Agent),  at the time or times
prescribed by applicable law, such properly completed and executed documentation
prescribed  by  applicable  law as will permit such  payments to be made without
withholding or at a reduced rate.

     (vii)  If the U.S.  Internal  Revenue  Service  or any  other  governmental
authority of the United States or any other country or any political subdivision
thereof asserts a claim that the Administrative  Agent did not properly withhold
tax  from  amounts  paid  to or for  the  account  of any  Lender  (because  the
appropriate  form was not delivered or properly  completed,  because such Lender
failed to notify the  Administrative  Agent of a change in  circumstances  which
rendered its exemption from withholding  ineffective,  or for any other reason),
such Lender shall indemnify the Administrative Agent fully for all amounts paid,
directly  or  indirectly,  by  the  Administrative  Agent  as  tax,  withholding
therefor,  or otherwise,  including penalties and interest,  and including taxes
imposed by any jurisdiction on amounts payable to the Administrative Agent under
this subsection, together with all costs and expenses related thereto (including
attorneys fees and time charges of attorneys for the Administrative Agent, which
attorneys may be employees of the Administrative  Agent). The obligations of the
Lenders under this Section 3.5(vii) shall survive the payment of the Obligations
and termination of this Agreement.

     3.6 Lender  Statements;  Survival of  Indemnity.  To the extent  reasonably
possible,  each Lender shall designate an alternate  Lending  Installation  with
respect to its Eurodollar  Loans to reduce any liability of the Borrower to such
Lender  under  Sections  3.1,  3.2 and 3.5 or to  avoid  the  unavailability  of
Eurodollar  Advances  under Section 3.3, so long as such  designation is not, in
the reasonable  judgment of such Lender,  disadvantageous  to such Lender.  Each
Lender shall deliver a written  statement of such Lender to the Borrower (with a
copy to the  Administrative  Agent) as to the amount due, if any,  under Section
3.1,  3.2, 3.4 or 3.5.  Such  written  statement  shall set forth in  reasonable
detail the calculations  upon which such Lender determined such amount and shall
be  rebuttable  presumptive  evidence of the amount  thereof.  Determination  of
amounts  payable under such Sections in connection  with a Eurodollar Loan shall
be  calculated  as though each Lender  funded its  Eurodollar  Loan  through the
purchase of a deposit of the type and maturity corresponding to the deposit used
as a reference in determining  the Eurodollar Base Rate applicable to such Loan,
whether in fact that is the case or not.  Determination of amounts payable under
Section  3.4 in  connection  with any  Transaction  Rate Loan may be made by the
applicable Lender on any reasonable  method.  Unless otherwise  provided herein,
the amount

                                      -23-
<PAGE>
specified  in the  written  statement  of any Lender  shall be payable on demand
after receipt by the Borrower of such written statement.  The obligations of the
Borrower  under  Sections  3.1,  3.2, 3.4 and 3.5 shall  survive  payment of the
Obligations and termination of this Agreement.


                                   ARTICLE IV

                              CONDITIONS PRECEDENT

     4.1 Initial Advance.  The Lenders shall not be required to make the initial
Advance hereunder unless (a) concurrently  with the making of such Advance,  the
Borrower shall have paid in full all principal, interest, fees and other amounts
payable under each of the Credit Agreement dated as of February 28, 1994 between
the  Borrower and Bank One (then known as The First  National  Bank of Chicago),
the Credit Agreement dated as of April 29, 1994 between the Borrower and Bank of
America,  N.A.  (then  known as  NationsBank,  N.A.)  and the  Letter  of Credit
Agreement  dated as of November 16, 1998 among the Borrower,  various  financial
institutions and Bank One, NA (then known as The First National Bank of Chicago)
and (b) the  Borrower  shall have  furnished  to the  Administrative  Agent with
sufficient copies for the Lenders:

     (i)    Copies  of the  articles  or  certificate  of  incorporation  of the
            Borrower,  together with all  amendments,  and a certificate of good
            standing, each certified by the appropriate  governmental officer in
            its jurisdiction of incorporation.

     (ii)   Copies  certified by the  Secretary  or  Assistant  Secretary of the
            Borrower, of its by-laws and of its Board of Directors'  resolutions
            and of  resolutions  or actions of any other  body  authorizing  the
            execution of the Loan Documents to which the Borrower is a party.

     (iii)  An  incumbency  certificate,  executed by the Secretary or Assistant
            Secretary of the  Borrower,  which shall  identify by name and title
            and bear the  signatures of the officers of the Borrower  authorized
            to sign the Loan  Documents to which the  Borrower is a party,  upon
            which  certificate  the Agents and the Lenders  shall be entitled to
            rely until informed of any change in writing by the Borrower.

     (iv)   Evidence,  in form and substance  satisfactory to the Administrative
            Agent,  that the Borrower has  obtained all  governmental  approvals
            necessary for it to enter into the Loan Documents.

     (v)    A certificate,  signed by an Authorized Officer, stating that on the
            initial  Borrowing  Date (x) no Default  or  Unmatured  Default  has
            occurred  and  is  continuing  and  (y)  the   representatives   and
            warranties  set forth in  Article V are true and  correct as of such
            date.

                                      -24-
<PAGE>
     (vi)   A  written  opinion  of the  Borrower's  counsel,  addressed  to the
            Lenders  in  substantially  the form of  Exhibit  B.

     (vii)  Any Notes requested by a Lender  pursuant to Section 2.14 payable to
            the order of each such requesting Lender.

     (viii) Written money transfer  instructions,  in substantially  the form of
            Exhibit D,  addressed to the  Administrative  Agent and signed by an
            Authorized Officer,  together with such other related money transfer
            authorizations  as the  Administrative  Agent  may  have  reasonably
            requested.

     (ix)   Copies,  certified as being  correct and  complete by an  Authorized
            Officer,  of  (x)  the  Private  Placement  Agreement  and  (y)  the
            Indenture  dated as of December 1, 1995,  between the  Borrower  and
            Bank One (then  known as The First  National  Bank of  Chicago),  as
            trustee, and all supplements thereto.

     (x)    Such  other  documents  as  any  Lender  or  its  counsel  may  have
            reasonably requested.

     4.2 Each  Advance.  The Lenders  shall not be required to make any Advance,
the effect of which is to increase  the  aggregate  amount of Loans  outstanding
hereunder, unless on the applicable Borrowing Date:

     (i)    There exists no Default or Unmatured Default.

     (ii)   The representations  and warranties  contained in Article V are true
            and correct as of such  Borrowing Date except to the extent any such
            representation  or warranty is stated to relate solely to an earlier
            date, in which case such  representation or warranty shall have been
            true and correct on and as of such earlier date.

     (iii)  All legal  matters  incident to the making of such Advance  shall be
            reasonably satisfactory to the Lenders and their counsel.

     (iv)   With  respect to any Advance  which causes the  aggregate  amount of
            outstanding Loans to exceed $45,000,000, Bank One shall be satisfied
            that the  letter  of  credit  issued  under  the  Letter  of  Credit
            Agreement  referred  to in  Section  4.1(a)  will  be (x)  cancelled
            without any drawing  thereunder  and (y) returned to Bank One on the
            date of the making of such Advance.

     (v)    With  respect to any Advance  which causes the  aggregate  amount of
            outstanding Loans to exceed the remainder of $155,000,000  minus all
            reductions of the Aggregate  Commitment  previously made pursuant to
            Section 2.7(a), written evidence that the Private Placement Debt has
            been (or concurrently  with the making of such Advance will be) paid
            in full.
                                      -25-
<PAGE>
Each Borrowing Notice with respect to each such Advance shall constitute a
representation  and warranty by the Borrower  that the  conditions  contained in
Sections 4.2(i) and (ii) have been satisfied.


                                   ARTICLE V

                         REPRESENTATIONS AND WARRANTIES

     The Borrower represents and warrants to the Lenders that:


     5.1   Organization.   The  Borrower  and  each  of  its   Subsidiaries  are
corporations  duly  incorporated and validly existing and in good standing under
the laws of the states of their  incorporation and have all requisite  authority
to conduct their respective businesses in each jurisdiction in which the failure
to have such authority, singly or in the aggregate, could reasonably be expected
to have a Material  Adverse  Effect.  The Borrower and each of its  Subsidiaries
have full power and  authority to carry on their  business as now  conducted and
the  Borrower has full power and  authority to execute,  deliver and perform its
obligations under this Agreement.

     5.2 Authorization and Validity.  The execution and delivery by the Borrower
of this Agreement has been duly authorized by proper corporate proceedings. This
Agreement has been duly executed and delivered by the Borrower and  constitutes,
and when  executed and delivered by the Borrower  each Note will  constitute,  a
legal,  valid and binding  obligation of the Borrower  enforceable in accordance
with  its  terms,  except  as  enforceability  may  be  limited  by  bankruptcy,
insolvency  or similar laws  affecting  the  enforcement  of  creditors'  rights
generally.

     5.3  Financial  Statements.  The  December  31, 1999 and the March 31, 2000
consolidated   financial   statements  of  the  Borrower  and  the  Subsidiaries
heretofore  delivered to the Agents and the Lenders were  prepared in accordance
with  generally  accepted  accounting  principles  in  effect  on the date  such
statements  were prepared and fairly present the financial  position and results
of  operations  of the  Borrower  and its  Subsidiaries  at such  dates  and the
consolidated results of their operations for the periods then ended.

     5.4  Subsidiaries.  Schedule 5.4 hereto contains an accurate list of all of
the   presently   existing   Subsidiaries,   setting   forth  their   respective
jurisdictions  of incorporation  and the percentage of their respective  capital
stock  owned  by the  Borrower  or other  Subsidiaries.  All of the  issued  and
outstanding  shares  of  capital  stock  of  the  Subsidiaries  have  been  duly
authorized and issued and are fully paid and nonassessable.

     5.5  ERISA.  Each  Plan  is in  material  compliance  with,  and  has  been
administered in material  compliance  with, all applicable  provisions of ERISA,
the Code and any other applicable federal or state law, except where the failure
to so comply would not (individually or in the aggregate) reasonably be expected
to have a Material Adverse Effect, and no event or condition

                                      -26-
<PAGE>
has occurred and is  continuing  as to which the Borrower is under an obligation
to furnish a report to the  Administrative  Agent and the Lenders  under Section
6.1(d) and which would reasonably be expected (individually or in the aggregate)
to have a Material Adverse Effect.

     5.6  Defaults.  No  Default  or  Unmatured  Default  has  occurred  and  is
continuing.

     5.7 Accuracy of Information. No information, exhibit or report furnished by
the  Borrower or any  Subsidiary  to the  Administrative  Agent or any Lender in
connection  with  the  negotiation  of  this  Agreement  contains  any  material
misstatement  of fact or omitted to state a material fact  necessary to make the
statements contained therein not misleading.

     5.8  Regulation  U.  Neither the  Borrower  nor any  Subsidiary  is engaged
principally, or as one of its important activities, in the business of extending
credit for the purpose of  purchasing  or carrying  Margin  Stock.  Margin Stock
constitutes  less than 25% of the  consolidated  assets of the  Borrower and its
Subsidiaries  which are subject to any limitation on sale or pledge or any other
restriction  hereunder.  No part of the  proceeds  of any Credit will be used to
purchase or carry any Margin Stock in violation of Regulation U.

     5.9 No Adverse Change.  Except for developments in the Case or as disclosed
in the Quarterly  Report on Form 10-Q of the Borrower for the  quarterly  period
ended March 31, 2000 filed with the  Securities  and Exchange  Commission or the
Forms 8-K of the Borrower filed with the  Securities and Exchange  Commission on
June 22, 2000 and June 26,  2000,  since March 31, 2000 there has been no change
in the  business,  property,  condition  (financial  or otherwise) or results of
operations  of the  Borrower  and its  Subsidiaries  which could  reasonably  be
expected to have a Material Adverse Effect.

     5.10 Taxes. The Borrower and its Subsidiaries  have filed all United States
federal tax returns and all other tax returns  which,  to the  Knowledge  of the
Borrower,  are required to be filed and have paid all taxes due pursuant to said
returns  or  material  taxes due  pursuant  to any  assessment  received  by the
Borrower  or any  Subsidiary,  except in both cases such  taxes,  if any, as are
being  contested  in good  faith  and as to which  adequate  reserves  have been
provided in  accordance  with  Agreement  Accounting  Principles.  The  charges,
accruals  and  reserves on the books of the  Borrower  and its  Subsidiaries  in
respect of any taxes or other  governmental  charges are adequate in  accordance
with Agreement Accounting Principles.

     5.11 Liens.  There are no Liens on any of the  properties  or assets of the
Borrower or any Subsidiary  except (i) Liens permitted by Section 6.3.5 and (ii)
with  respect  to  properties  and  assets  other  than  Productive  Properties,
Principal  Transmission  Facilities and the stock of any Subsidiary,  Liens that
could not,  individually  or in the aggregate,  reasonably be expected to have a
Material Adverse Effect.  All easements,  rights of way, licenses and other real
property rights required for operation of the businesses of the Borrower and its
Subsidiaries  (collectively the "Rights of Way") are owned free and clear of any
Lien,  other than Liens  permitted by this  Agreement  and Liens  already on any
parcel  of real  property  with  respect  to which  the  Rights of Way have been
granted,  which will not, in the aggregate,  at any time materially detract from
the

                                      -27-
<PAGE>
value of the Rights of Way or materially  impair the use of the Rights of Way in
the  operation of the  businesses  of the Borrower  and its  Subsidiaries.

     5.12 Compliance with Orders.  Neither the Borrower nor any Subsidiary is in
default  under  the  terms  of any  order  of any  federal  or  state  court  or
administrative  agency by which it or any of its properties may be bound, except
for  any  defaults  which  could  not,  individually  or in  the  aggregate,  be
reasonably expected to have a Material Adverse Effect.

     5.13  Litigation.  Except for the Case and as set forth in  Schedule  5.13,
there are no actions at law or in equity  pending  or, to the  Knowledge  of the
Borrower,  threatened  involving  the  likelihood  of any  judgment or liability
against the Borrower or any  Subsidiary  which could  reasonably  be expected to
have a Material Adverse Effect.  Except for the investigation arising out of the
1990 rate  increase  approved by the  Arkansas  Public  Service  Commission  and
related proceedings,  there are no proceedings of any kind or nature pending or,
to the Knowledge of the Borrower, threatened against the Borrower by any federal
or  state  board  or  other  administrative  authority  or  agency  which  could
reasonably be expected to have a Material Adverse Effect.

     5.14 Burdensome Agreements.  The Borrower is not a party to any contract or
agreement which, in the opinion of management of the Borrower,  could reasonably
be expected to have a Material Adverse Effect.

     5.15 No Conflict. The execution, delivery, and compliance with the terms of
this  Agreement  will not  conflict  with or result in the  breach of any of the
terms,  conditions or provisions of, or constitute a default under,  the charter
or bylaws of the Borrower or any Subsidiary, or any indenture, loan agreement or
other agreement or instrument to which the Borrower or any Subsidiary is a party
or by which it may be bound,  or result in creation of any Lien on any  property
of the Borrower or any  Subsidiary,  and neither the Borrower nor any Subsidiary
is in default  (after the  expiration  of any  applicable  grace  period) in the
performance,  observance or fulfillment of any of the obligations,  covenants or
conditions  contained in (i) any agreement to which it is a party, which default
could  reasonably  be expected to have a Material  Adverse  Effect,  or (ii) any
agreement or  instrument  evidencing  or governing  Indebtedness  in a principal
amount  exceeding  $5,000,000  (excluding in each case any default under Section
6.A or 6.B of the Private Placement Agreement).

     5.16 Title to Properties.  The Borrower and its Subsidiaries  have good and
marketable  title to all real properties  purported to be owned by them and good
title to all other assets  purported to be owned by them,  subject to such minor
defects as are common to  property  of the type  owned by the  Borrower  and its
Subsidiaries and Liens permitted by this Agreement and such defects and Liens in
the aggregate do not  materially  interfere with or impair the Borrower's or any
Subsidiary's business as presently conducted.

     5.17 Public Utility Holding Company Act. The Borrower and the  Subsidiaries
are exempt from registration  under the provisions of the Public Utility Holding
Company Act of 1935 pursuant to Section 3(a) thereof.

                                      -28-
<PAGE>
     5.18 Regulatory  Approval.  No consent or authorization of, filing with, or
any other act by or in respect of any Person is required in connection  with the
enforceability,  execution,  delivery, performance or validity of this Agreement
or the transactions contemplated thereby.

     5.19 Negative Pledge. Except as set forth in Schedule 5.19 hereto,  neither
the  Borrower  nor  any  Subsidiary  is  subject  to any  agreement,  indenture,
instrument,  undertaking or security (other than this Agreement)  which prohibit
the creation, incurrence or sufferance to exist of any Lien.

     5.20 Investment Company Act. The Borrower is not an "investment company" or
a Borrower  "controlled" by an "investment  company",  within the meaning of the
Investment Company Act of 1940, as amended.

     5.21  Compliance  with Laws.  The  Borrower and its  Subsidiaries  have all
franchises,  licenses and permits  necessary for the conduct of their respective
businesses,  and are in compliance with all laws,  rules,  regulations,  orders,
writs,  judgments,  injunctions,  decrees or awards to which it may be  subject,
including,  without limitation, (i) all provisions of ERISA, which, if violated,
might  result in a Lien or  charge  upon any  property  of the  Borrower  or any
Subsidiary,  and (ii) all material  provisions  of the  Occupational  Safety and
Health  Act of 1970 and the  rules and  regulations  thereunder  and  applicable
statutes,   regulations,  orders  and  restrictions  relating  to  environmental
standards or  controls,  except to the extent that failure to maintain or comply
with any of the foregoing,  singly and in the aggregate, could not reasonably be
expected to have a Material Adverse Effect.

                                   ARTICLE VI

                                   COVENANTS

     During the  term of  this  Agreement,  unless the  Required  Lenders  shall
otherwise consent in writing:

     6.1 Information. The Borrower will furnish to each Lender:

         (a) As soon as reasonably  practicable and in any event within 120 days
     after the close of each of its fiscal  years,  financial  statements of the
     Borrower for such fiscal year on a  consolidated  and  consolidating  basis
     (consolidating  statements need not be certified by such  accountants)  for
     itself and its Subsidiaries, including balance sheets as of the end of such
     period,  statements  of income and  statements  of retained  earnings,  and
     statements of cash flows, and, as to the consolidated statements,  prepared
     in accordance  with generally  accepted  accounting  principles  (except as
     expressly set forth therein) and accompanied by an unqualified (as to going
     concern or the scope of the audit) opinion of independent  certified public
     accountants  of  recognized  standing,  which opinion shall state that such
     audit was conducted in accordance with generally accepted auditing

                                      -29-
<PAGE>
     standards  and said  financial  statements  fairly  present  the  financial
     condition  and results of  operation  of the Borrower as at the end of, and
     for, such fiscal year and a certificate  of said  accountants  that, in the
     course of their examination necessary for their opinion, they have obtained
     no  knowledge of any Default or Unmatured  Default  relating to  accounting
     matters,  or if, in the opinion of such  accountants,  any such  Default or
     Unmatured  Default shall exist, said certificate shall state the nature and
     status  thereof;  provided  that  delivery  pursuant to clause (e) below of
     copies of the Annual  Report on Form 10-K of the  Borrower  for such fiscal
     year filed with the  Securities  and  Exchange  Commission  (together  with
     copies of the financial  statements  required to be included therein) shall
     be  deemed  to  satisfy  the  requirement  of this  clause  (a) to  deliver
     consolidated  financial  statements  (but not the  requirement  to  deliver
     consolidating statements or the accountants' certificate as to the presence
     or absence of any Default or Unmatured Default).

         (b) As soon as reasonably  practicable  and in any event within 60 days
     after the close of each of the first three quarterly  accounting periods of
     each of its fiscal years, for itself and its Subsidiaries, consolidated and
     consolidating  unaudited balance sheets as at the close of each such period
     and consolidated and  consolidating  statements of income and statements of
     retained  earnings  and  statements  of cash flows for the period  from the
     beginning  of such fiscal year to the end of such  quarter;  provided  that
     delivery  pursuant to clause (e) below of copies of the Quarterly Report on
     Form  10-Q of the  Borrower  for  such  quarterly  period  filed  with  the
     Securities  and  Exchange   Commission  shall  be  deemed  to  satisfy  the
     requirements  of  this  clause  (b)  to  deliver   consolidated   financial
     statements  (but not the  requirement  to deliver  the  certificate  of the
     Borrower's chief financial officer or chief accounting officer with respect
     thereto).

         (c)  Simultaneously   with  the  delivery  of  each  set  of  financial
     statements  referred to in Sections 6.1(a) and 6.1(b), a certificate of the
     chief financial officer or the chief accounting  officer of the Borrower in
     the  form  of  Exhibit  F  (i)  setting  forth  in  reasonable  detail  the
     calculations  required to establish  whether the Borrower was in compliance
     with  the  requirements  of  Section  6.4 on the  date  of  such  financial
     statements,  (ii)  stating  whether  there  exists  on  the  date  of  such
     certificate  any Default and or  Unmatured  Default  and, if any Default or
     Unmatured  Default then exists,  setting forth the details  thereof and the
     action  which  the  Borrower  is taking or  proposes  to take with  respect
     thereto, and (iii) stating that such financial statements fairly reflect in
     all material respects the financial conditions and results of operations of
     the  Borrower and its  Subsidiaries  as of the date of the delivery of such
     financial statements and for the period covered thereby.

         (d) As soon as possible and in any event within 10 Business  Days after
     the Borrower has Knowledge  that any of the events or conditions  specified
     below has  occurred  or exists  with  respect to any Plan or  Multiemployer
     Plan,  a  statement,  signed  by  the  chief  financial  officer  or  chief
     accounting officer of the Borrower,  describing said event or condition and
     the action which the Borrower or applicable member of the

                                      -30-
<PAGE>
     Controlled  Group proposes to take with respect  thereto (and a copy of any
     report  or  notice  required  to be filed  with or given to the PBGC by the
     Borrower or applicable  member of the Controlled Group with respect to such
     event or condition):

             (i) the  occurrence  of any  Reportable  Event with  respect to any
         Plan, or any waiver shall be requested under Section 412(d) of the Code
         for any Plan,

             (ii) the distribution under Section 4041(c) of ERISA of a notice of
         intent to  terminate  any Plan,  or any action taken by the Borrower or
         any member of the Controlled  Group to terminate any Plan under Section
         4041(c) of ERISA,

             (iii) the institution by PBGC of proceedings  under Section 4042 of
         ERISA for the  termination  of,  or the  appointment  of a  trustee  to
         administer,  any Plan,  or the receipt by the Borrower or any member of
         the Controlled Group of a notice from any Multiemployer  Plan that such
         action has been taken by PBGC with respect to such Multiemployer Plan,

             (iv) the complete or partial  withdrawal from a Multiemployer  Plan
         by the  Borrower  or any  member of the  Controlled  Group  that  could
         reasonably  be expected to result in  liability of the Borrower or such
         member under Section 4201 or 4204 of ERISA (including the obligation to
         satisfy secondary  liability as a result of a purchaser default) having
         a Material Adverse Effect, or the receipt by the Borrower or any member
         of the Controlled Group of notice from a Multiemployer  Plan that it is
         in  reorganization  or  insolvency  pursuant to Section 4241 or 4245 of
         ERISA or that it intends to terminate or has  terminated  under Section
         4041A of ERISA,

             (v)  the  institution  of  a  proceeding  by  a  fiduciary  of  any
         Multiemployer Plan against the Borrower or any member of the Controlled
         Group  to  enforce  Section  515  of  ERISA,  which  proceeding  is not
         dismissed  within 30 days,  or

             (vi) the adoption  of an amendment  to any  Plan that,  pursuant to
         Section 401(a)(29) of the Code or Section 307 of ERISA, would result in
         the loss of tax-exempt status of the trust of which such Plan is a part
         if the Borrower or any member of the  Controlled  Group fails to timely
         provide  security to the Plan in accordance with the provisions of said
         Sections.

         (e)  Promptly  upon the  filing  thereof,  copies  of all  registration
     statements and annual,  quarterly,  monthly or other regular  reports which
     the  Borrower  or any of its  Subsidiaries  files with the  Securities  and
     Exchange Commission.

         (f) Promptly upon the  furnishing  thereof to all  shareholders  of the
     Borrower generally,  copies of all financial statements,  reports and proxy
     statements so furnished.

                                      -31-
<PAGE>
         (g) Promptly  upon  receipt  thereof,  one copy of each  written  audit
     report   submitted  to  the  Borrower  or  any  Subsidiary  by  independent
     accountants  resulting from (i) any annual or interim audit submitted after
     the occurrence and during the continuance of a Default or Unmatured Default
     and (ii) any special  audit  submitted at any time,  in each case,  made by
     them of the books of the Borrower or any Subsidiary.

         (h) As soon as  available  and in any event not later  than April 30 of
     each calendar year, an engineering  and economic  analysis of the producing
     properties of the Borrower and its Subsidiaries  prepared by an independent
     firm of consulting  petroleum  engineers and in form,  substance and detail
     consistent with past practice.

         (i)  Promptly  and in any event  within  five  Business  Days  after an
     Authorized Officer obtains knowledge thereof, notice of the occurrence of a
     Default or Unmatured  Default,  together with the details of such event and
     the actions, if any, the Borrower has taken or intends to take with respect
     thereto.

         (j) Such other information (including nonfinancial  information) as the
     Administrative  Agent  or any  Lender  may  from  time to  time  reasonably
     request.

     6.2  Affirmative  Covenants.   The  Borrower  will,  and  will  cause  each
Subsidiary, to:

     6.2.1. Reports and Inspection.  Keep proper books and records in good order
in accordance with sound business practice and prepare its financial  statements
in accordance with Agreement Accounting Principles and permit the Administrative
Agent or any Lender, at its own expense,  by its  representatives and agents, to
inspect any of the  properties,  corporate  books and  financial  records of the
Borrower  and each  Subsidiary,  to  examine  and make  copies  of the  books of
accounts and other financial records of the Borrower and each Subsidiary, and to
discuss the affairs,  finances and accounts of the Borrower and each  Subsidiary
with,  and to be advised as to the same by,  their  respective  officers at such
reasonable   times  and  intervals   during   regular   business  hours  as  the
Administrative  Agent or such Lender may  designate,  provided that such inquiry
shall be limited to the purpose of evaluating the Borrower's financial condition
or compliance with this Agreement.

     6.2.2 Conduct of Business.  Carry on and conduct its principal  business of
exploration  for,  and  production,  transportation,  distribution,  refinement,
processing,  storage,  marketing and gathering of oil and other hydrocarbons and
petroleum, and natural,  synthetic or other gas in substantially the same manner
and in substantially the same fields of enterprise as it is presently conducted;
and do all things necessary to remain duly incorporated, validly existing and in
good standing as a domestic  corporation in its  jurisdiction  of  incorporation
(unless the corporate  existence or ownership by the Borrower of any  Subsidiary
shall be discontinued as a result of a merger,  consolidation  or sale of assets
as permitted by Section  6.3.2) and maintain all requisite  authority to conduct
its business in each  jurisdiction  in which the failure to have such  authority
could reasonably be expected to have a Material Adverse Effect.

                                      -32-
<PAGE>
     6.2.3 Insurance.  Maintain insurance with reputable  insurance companies or
associations  in such forms and amounts and covering such risks as are customary
for  companies  of  established  reputation  and similar size engaged in similar
businesses  and owning and  operating  similar  properties;  provided that it is
agreed that, as of the date of this  Agreement,  the  insurance  coverage of the
Borrower and its  Subsidiaries  set forth on Schedule 6.2 hereto  satisfies  the
requirements of this Section 6.2.3.

     6.2.4 Taxes. Promptly pay and discharge all material taxes, assessments and
governmental  charges or levies imposed upon the Borrower or any Subsidiary (but
in the case of a Subsidiary,  only to the extent that such  Subsidiary's  assets
shall be sufficient for the purpose), respectively, or upon or in respect of all
or any part of the property and business of the Borrower or any Subsidiary,  and
all due and payable claims for work,  labor or materials,  which if unpaid might
become a Lien upon any  property of the Borrower or any  Subsidiary  (other than
claims  against any such  Subsidiary  in a proceeding  under any  bankruptcy  or
similar  law),  provided  that the  Borrower  or such  Subsidiary  shall  not be
required to pay any such tax, assessment,  charge, levy or claim if the validity
thereof shall concurrently be contested in good faith by appropriate proceedings
and if the  Borrower  or such  Subsidiary  shall set aside on its or their books
reserves  deemed by it or them to be required with respect thereto in accordance
with generally accepted accounting principles.

     6.2.5 Compliance with Laws.  Maintain all franchises,  licenses and permits
necessary for the conduct of its  businesses,  and comply with all laws,  rules,
regulations,  orders, writs, judgments,  injunctions, decrees or awards to which
it may be subject,  including,  without limitation, (i) all provisions of ERISA,
which,  if  violated,  might result in a Lien or charge upon any property of the
Borrower or any Subsidiary, and (ii) all material provisions of the Occupational
Safety  and  Health  Act of 1970 and the rules and  regulations  thereunder  and
applicable   statutes,   regulations,   orders  and  restrictions   relating  to
environmental  standards  or  controls,  except to the  extent  that  failure to
maintain or comply with any of the foregoing, singly and in the aggregate, could
not reasonably be expected to have a Material Adverse Effect.

     6.2.6  Maintenance  of  Properties.  Do all things  necessary  to maintain,
preserve,  protect and keep its material  properties  (whether owned in fee or a
leasehold  interest) in good repair,  working order and condition,  and make all
proper repairs,  renewals and  replacements  so that its business  carried on in
connection  therewith  may be properly  conducted at all times;  provided  that,
subject to Section 6.3.2 and all other terms of this Agreement,  nothing in this
Section shall prevent the Borrower or any of its Subsidiaries from discontinuing
the  operation  and   maintenance   of  any  of  its   properties  (x)  if  such
discontinuance is, in the judgment of the Borrower or such Subsidiary, desirable
in the conduct of its business or (y) if such  discontinuance  or disposal could
not reasonably be expected to have a Material Adverse Effect.

     6.3 Negative Covenants.  The Borrower will not, nor (where applicable) will
it permit any Subsidiary to:

                                      -33-
<PAGE>
     6.3.1  Restricted  Payments.  Declare or pay any  dividends  on its capital
stock  (other  than  dividends  payable  in its own  capital  stock) or  redeem,
repurchase  or otherwise  acquire or retire any of its capital stock at any time
outstanding or any warrants, rights or options to purchase or acquire any shares
of its capital stock or permit any Subsidiary to purchase any shares of stock of
the Borrower,  except that any  Subsidiary  may declare and pay dividends to the
Borrower or another Wholly-Owned Subsidiary.

     6.3.2  Merger and Sale of  Assets.  Merge or  consolidate  with or into any
other Person or lease, sell or otherwise  dispose of all, or substantially  all,
of its  property,  assets  (other than  inventory,  physical  assets sold in the
ordinary  course  of  business  or  obsolete,  worn out or excess  property)  or
business to any other Person except that:

     (1) the Borrower may merge or consolidate with or sell all of its assets to
any other solvent  corporation,  provided that (i) the surviving,  continuing or
resulting  corporation  (if not the Borrower)  shall (x)  expressly  assume by a
written instrument  reasonably  satisfactory to the Administrative Agent and the
Lenders  (which shall be provided with an opportunity to review and comment upon
it prior to the consummation of any transaction) the due and punctual payment of
the principal of all  Obligations  and the due performance and observance of all
covenants,  conditions  and  agreements  on the part of the Borrower  under this
Agreement, (y) deliver to the Administrative Agent and the Lenders an opinion of
counsel,  in form and substance  reasonably  satisfactory to the  Administrative
Agent and the Lenders,  to the effect that such written instrument has been duly
authorized,  executed and delivered by such  surviving,  continuing or resulting
corporation and constitutes a legal,  valid and binding  instrument  enforceable
against such surviving,  continuing or resulting  corporation in accordance with
its  terms,  and to such  further  effects as the  Administrative  Agent and the
Lenders may  reasonably  request,  and (z) have an investment  grade rating from
Moody's  Investors  Service,  Inc. and Standard & Poor's Rating Group,  (ii) the
surviving,  continuing or resulting corporation shall be a corporation organized
and existing under the laws of the United States of America or any State thereof
or  the  District  of  Columbia,   and  (iii)  immediately  after  such  merger,
consolidation or sale, no Default or Unmatured Default would exist;

     (2) any Subsidiary may merge into the Borrower or another  Subsidiary which
is a Wholly-Owned Subsidiary, and may sell, lease or otherwise dispose of any of
its  assets  to the  Borrower  or  another  Subsidiary  which is a  Wholly-Owned
Subsidiary;

     (3) any Subsidiary may merge or consolidate with any corporation other than
the Borrower or another Subsidiary,  provided that (i) the surviving, continuing
or resulting corporation shall be a Subsidiary,  and (ii) immediately after such
merger or consolidation, no Default or Unmatured Default would exist; and

     (4) the Borrower may sell, lease or otherwise dispose of all or any part of
its  assets to any  Person,  and any  Subsidiary  may sell,  lease or  otherwise
dispose of all or any part of its assets to any Person  other than the  Borrower
or another  Subsidiary,  in each case, for a consideration  which represents the
fair value at the time of such sale or other disposition,

                                      -34-
<PAGE>
provided that (x) immediately  after such sale, lease or other  disposition (and
the application of the proceeds thereof as provided in clause (y)) no Default or
Unmatured  Default  would exist and (y) to the extent  applicable,  the Net Cash
Proceeds  of such sale,  lease or other  disposition  are applied as required by
Sections  2.7 and 2.8;  and  provided,  further,  that no  sale,  lease or other
disposition  shall be permitted (unless the cash proceeds of such sale, lease or
other  disposition  will be applied to reduce the Aggregate  Commitment to zero)
if, after giving effect to such transaction,  the aggregate fair market value of
all non-cash  proceeds  received by the Borrower and its  Subsidiaries  from all
sales, leases and other dispositions after the date of this Agreement,  less all
cash proceeds which have been received from such non-cash proceeds, would exceed
$20,000,000.

     6.3.3 Liens.  Create,  incur, assume or suffer to exist any Lien on (a) any
Productive Property,  (b) any Principal  Transmission Facility or (c) any shares
of stock of any Subsidiary, except:

             (i) Liens for taxes,  assessments or governmental charges or levies
         on its  property  if the same  shall not at the time be  delinquent  or
         thereafter can be paid without penalty or, provided the Borrower or any
         Subsidiary knew or should have known of such Liens,  are being actively
         contested in good faith and by  appropriate  proceedings  and for which
         adequate  reserves shall have been set aside on its books in accordance
         with Agreement Accounting Principles,

             (ii)  Liens  imposed  by law,  such as  carriers',  warehousemen's,
         operators',  royalty,  surface  damages and mechanics'  liens and other
         similar liens arising in the ordinary  course of business  which secure
         payment  of  obligations  not more  than 60 days  past due or which are
         being contested in good faith by appropriate  proceedings and for which
         adequate  reserves shall have been set aside on its books in accordance
         with Agreement Accounting Principles,

             (iii) Liens incurred in the ordinary course of business (a) arising
         out  of  pledges  or  deposits  under  workmen's   compensation   laws,
         unemployment  insurance,  old age pensions, or other social security or
         retirement  benefits,  or  similar  legislation,   (b)  to  secure  the
         performance  of letters  of credit,  bids,  tenders,  sales  contracts,
         leases  (including  rent  security  deposits),  statutory  obligations,
         surety,  appeal and performance  bonds,  joint operating  agreements or
         other similar agreements and other similar  obligations not incurred in
         connection  with the  borrowing of money,  the obtaining of advances or
         the  payment  of  the  deferred  purchase  price  of  property  or  (c)
         consisting of deposits which secure public or statutory  obligations of
         the Borrower or any  Subsidiary,  or surety,  custom or appeal bonds to
         which the  Borrower  or any  Subsidiary  is a party,  or the payment of
         contested taxes or import duties of the Borrower or any Subsidiary,

             (iv)  utility  easements,  building  restrictions  and  such  other
         encumbrances  or  charges  against  real  property  as are of a  nature
         generally existing with respect

                                      -35-
<PAGE>
         to properties  of a similar  character and which do not in any material
         way  affect the  marketability  of the same or  interfere  with the use
         thereof in the business of the Borrower or the Subsidiaries,

             (v) Liens on drilling  equipment and  facilities in order to secure
         the financing for the construction of such equipment and facilities not
         constructed  as of the date  hereof,  provided  that such  financing is
         permitted pursuant to Section 6.4,

             (vi)  attachment,  judgment  and other  similar  Liens  arising  in
         connection  with court  proceedings;  provided  the  execution or other
         enforcement of such Liens is  effectively  stayed or the claims secured
         thereby are being  actively  contested in good faith and by appropriate
         proceedings; and provided, further, the Borrower or any Subsidiary knew
         or should have known of such Liens,

             (vii) Liens on property of a Subsidiary, provided such Liens secure
         only obligations owing to the Borrower or a Wholly-Owned Subsidiary,

             (viii)  purchase money  mortgages or other mortgages or other Liens
         on assets  of the  Borrower  or any  Subsidiary  securing  Indebtedness
         hereafter   incurred  by  the  Borrower  or  such  Subsidiary  for  the
         acquisition  of such  assets,  provided no such  mortgage or other Lien
         shall extend to any other  property  (unless  such  mortgage or Lien is
         permitted  under another  clause of this Section  6.3.3) and the amount
         thereby  secured shall not exceed the purchase price of such asset plus
         interest,  if any,  accrued thereon and shall be permitted  pursuant to
         Section 6.4,

             (ix) Liens on  property  hereafter  acquired  (including  shares of
         stock hereafter  acquired of any Person  (including any Person in which
         the Borrower or any Subsidiary  already owns an interest))  existing at
         the  time  of  acquisition  and  liens  assumed  by the  Borrower  or a
         Subsidiary  as a result of a merger  of  another  corporation  into the
         Borrower  or a  Subsidiary  or the  acquisition  by the  Borrower  or a
         Subsidiary  of the  assets  and  liabilities  of  another  corporation,
         provided  that in each case such Liens  shall not have been  created in
         anticipation of such transaction,

             (x) any right which any  municipal or  governmental  body or agency
         may have by virtue of any  franchise,  license,  contract or statute to
         purchase,  or  designate  a  purchaser  of or order  the  sale of,  any
         property of the Borrower or any  Subsidiary  upon payment of reasonable
         compensation  therefor or to terminate any franchise,  license or other
         rights or to regulate  the property and business of the Borrower or any
         Subsidiary,

             (xi)  easements or  reservations  in respect of any property of the
         Borrower or any Subsidiary for the purpose of rights-of-way and similar
         purposes,
                                      -36-
<PAGE>
         reservations,   restrictions,   covenants,   party   wall   agreements,
         conditions of record and other  encumbrances  (other than to secure the
         payment  of money)  and minor  irregularities  or  deficiencies  in the
         record and evidence of title,  which in the  reasonable  opinion of the
         Borrower (at the time of the  acquisition  of the property  affected or
         subsequently)  will not  interfere  in any material way with the proper
         operation and development of the property affected thereby,

             (xii)  Liens  existing on the date hereof and set forth on Schedule
         5.19 hereto,

             (xiii)  Liens on  property to secure all or any part of the cost of
         construction,  alteration or repair of any building, equipment or other
         improvement  on  all  or any  part  of  such  property,  including  any
         pipeline,  or to secure any Indebtedness incurred prior to, at the time
         of, or within 360 days  after,  the  completion  of such  construction,
         alteration  or repair to  provide  funds for the  payment of all or any
         part of such cost,

             (xiv) rights of lessors under oil, gas or mineral leases arising in
         the ordinary course of business,

             (xv)  any  extension,   renewal  or   replacement   (or  successive
         extensions, renewals or replacements), in whole or in part, of any Lien
         referred  to in the  foregoing  clauses;  provided  that the  principal
         amount of  Indebtedness  secured thereby shall not exceed the principal
         amount  of  Indebtedness  so  secured  at the  time of such  extension,
         renewal or replacement and such extension,  renewal or replacement Lien
         shall be limited to all or a part of the  property  which  secured  the
         Lien so  extended,  renewed  or  replaced  (plus  improvements  on such
         property),

             (xvi) Liens which may  hereafter  be attached to  undeveloped  real
         estate  not  containing  oil or gas  reserves  presently  owned  by the
         Borrower in the ordinary  course of the  Borrower's  real estate sales,
         development and rental activities,

             (xvii) Liens not otherwise  permitted by the  foregoing  clauses of
         this Section  6.3.3  securing  Indebtedness  in an aggregate  principal
         amount  which,  at the  time  of  incurrence,  does  not  exceed  5% of
         Stockholders'  Equity  as of the  end of the  most  recently  completed
         fiscal  quarter of the  Borrower as shown on the  consolidated  balance
         sheet related thereto, and

             (xviii) Liens not otherwise  permitted by the foregoing  clauses of
         this Section 6.3.3 in an aggregate  principal amount in excess of 5% of
         Stockholders'  Equity;  provided that at the time such Lien is created,
         the Obligations  will be secured pari passu with the  obligations  such
         Lien is  securing  pursuant  to  documentation  in form  and  substance
         satisfactory to the Administrative Agent

                                      -37-
<PAGE>
         and the Lenders  (drafts of which  documentation  shall be furnished to
         the  Administrative  Agent and the Lenders  sufficiently  in advance to
         provide the Administrative Agent and the Lenders with an opportunity to
         review and comment upon it prior to the granting of any such Lien).

     6.4 Financial Covenants. The Borrower will not:

     6.4.1 Debt to Capitalization Ratio. Permit the Debt to Capitalization Ratio
at any time to exceed 0.8 to 1.

     6.4.2 Fixed Charge Coverage  Ratio.  Permit the Fixed Charge Coverage Ratio
as of the last day of any fiscal  quarter of the Borrower to be less than 2.5 to
1.

     6.4.3 Net Worth.  Permit  Stockholder's  Equity at any time to be less than
$120,000,000.

     6.4.4 Subsidiary  Indebtedness.  Permit the aggregate outstanding amount of
all Indebtedness of Subsidiaries (excluding (i) Indebtedness  outstanding on the
date hereof and renewals,  extensions  and  refinancings  thereof so long as the
principal  amount  thereof  is  not  increased)  and  (ii)  Indebtedness  of any
Subsidiary to the Company or a Wholly-Owned  Subsidiary)  to exceed  $20,000,000
unless  provision has been made for all  Subsidiaries  (other than  Subsidiaries
which would not  constitute a Material Group of  Subsidiaries)  to guarantee the
Obligations  pursuant to documentation  (and related  certificates and opinions)
reasonably satisfactory to the Administrative Agent and the Syndication Agent.

                                  ARTICLE VII

                                    DEFAULTS

     7.1 Events of Default. The occurrence and continuance of any one or more of
the following events shall constitute a Default:

     7.1.1  Representations and Warranties.  Any representation or warranty made
or deemed made by or on behalf of the  Borrower to either Agent or any Lender in
this  Agreement or in any  certificate  or  instrument  delivered in  connection
herewith shall be materially false as of the date on which made.

     7.1.2 Payment Default. Nonpayment of any principal,  interest, fee or other
obligation hereunder within ten days after the same becomes due.

     7.1.3 Breach of Certain Covenants. The breach by the Borrower of (i) any of
the terms or provisions of Section  6.1(i),  6.3.1,  6.3.2 or 6.4 or (ii) any of
the terms or provisions  of Section 6.3.3 which is not remedied  within ten days
after written notice from the Administrative Agent or the Syndication Agent.

                                      -38-
<PAGE>
     7.1.4 Other Breach of this  Agreement.  The breach by the  Borrower  (other
than a breach which  constitutes a Default under Section 7.1.1,  7.1.2 or 7.1.3)
of any term or provision of this Agreement  which is not remedied within 30 days
after written notice from the Administrative Agent or the Syndication Agent.

     7.1.5 ERISA. An event or condition  specified in Section 6.1(d) shall occur
or exist with respect to any Plan or any Multiemployer  Plan and, as a result or
such event or condition,  together with all other such events or conditions then
outstanding,  the Borrower or any member or the Controlled Group shall incur, or
shall be reasonably  likely to incur, a liability to any Plan, any Multiemployer
Plan or the  PBGC  (or any  combination  of the  foregoing)  that  would  have a
Material Adverse Effect.

     7.1.6 Cross-Default.  Failure of the Borrower or any Significant Subsidiary
to pay any Indebtedness when due (after giving effect to any period of grace set
forth  in  any  agreement  under  which  such  Indebtedness  was  created  or is
governed);  or the default by the Borrower or any Significant  Subsidiary in the
performance of any other term, provision or condition contained in any agreement
under which any of their respective Indebtedness was created or is governed, the
effect  of which is to  cause,  or to  permit  the  holder  or  holders  of such
Indebtedness  to cause,  such  Indebtedness  to become  due prior to its  stated
maturity;  or any  Indebtedness  of the Borrower or any  Significant  Subsidiary
shall  become due and  payable or be  required  to be prepaid  (other  than by a
regularly  scheduled  payment) prior to the stated  maturity  thereof;  provided
that, in each case,  the  principal  amount of  Indebtedness  as to which such a
payment  default shall occur and be continuing,  or such a failure to perform or
other event causing or permitting  acceleration  shall occur and be  continuing,
exceeds  $5,000,000;  and  provided,  further,  that no payment or other default
under the Private  Placement Debt resulting  solely from a breach of Section 6.A
or 6.B of the  Private  Placement  Agreement  shall  constitute  a Default or an
Unmatured Default hereunder.

     7.1.7  Voluntary   Bankruptcy,   etc.  The  Borrower,  or  any  Significant
Subsidiary or a Material  Group of  Subsidiaries  shall (i) not pay, or admit in
writing its inability to pay, its debts  generally as they become due, (ii) make
an assignment for the benefit of creditors,  (iii) apply for, seek,  consent to,
or acquiesce in, the appointment of a receiver,  custodian,  trustee,  examiner,
liquidator or similar official for the Borrower,  such Significant Subsidiary or
such Material Group of  Subsidiaries,  (iv) institute any proceeding  seeking an
order for relief under the Federal bankruptcy laws as now or hereafter in effect
or seeking to  adjudicate it a bankrupt or  insolvent,  or seeking  dissolution,
winding up, liquidation, reorganization,  arrangement, adjustment or composition
of it or  its  debts  under  any  law  relating  to  bankruptcy,  insolvency  or
reorganization  or  relief  of  debtors  or (v) take  any  corporate  action  to
authorize  or effect  any of the  foregoing  actions  set forth in this  Section
7.1.7.

     7.1.8  Involuntary  Bankruptcy,  etc. Without the application,  approval or
consent of the Borrower, the applicable Significant Subsidiary or the applicable
Material Group of Subsidiaries,  a receiver,  trustee,  examiner,  liquidator or
similar official shall be appointed for the Borrower, any Significant Subsidiary
or such Material Group of Subsidiaries, or a proceeding described in

                                      -39-
<PAGE>
Section  7.1.7(iv)  shall be instituted  against the Borrower,  any  Significant
Subsidiary or such Material Group of Subsidiaries and such appointment continues
undischarged or such proceeding  continues  undismissed or unstayed for a period
of 60  consecutive  days.


     7.1.9  Judgments.  The Borrower or any  Significant  Subsidiary  shall fail
within 30 days to pay, bond or otherwise  discharge any final  judgment or order
for the payment of money in excess of $2,500,000,  which is not stayed on appeal
or otherwise being appropriately contested in good faith.

     7.1.10 Environmental  Matters. The Borrower,  any Significant Subsidiary or
any  Material  Group of  Subsidiaries  shall  suffer any  adverse  determination
pertaining to the release by the  Borrower,  any  Significant  Subsidiary or any
other Person of any toxic or hazardous waste or substance into the  environment,
or any violation of any federal, state or local environmental,  health or safety
law or regulation, which, in either case, could reasonably be expected to have a
Material Adverse Effect.

                                  ARTICLE VIII

                 ACCELERATION, WAIVERS, AMENDMENTS AND REMEDIES

     8.1 Acceleration. If any Default described in Section 7.1.6 or 7.1.7 occurs
with  respect to the  Borrower,  the  obligations  of the  Lenders to make Loans
hereunder shall  automatically  terminate and the Obligations  shall immediately
become due and  payable  without  any  election  or action on the part of either
Agent or any Lender.  If any other Default occurs,  the Required Lenders (or the
Administrative  Agent with the consent of the Required Lenders) may terminate or
suspend the obligations of the Lenders to make Loans  hereunder,  or declare the
Obligations  to be due and payable,  or both,  whereupon the  Obligations  shall
become  immediately due and payable,  without  presentment,  demand,  protest or
notice of any kind, all of which the Borrower hereby expressly waives.

     If, within 30 days after acceleration of the maturity of the Obligations or
termination  of the  obligations  of the  Lenders to make Loans  hereunder  as a
result of any Default  (other than any Default as described in Section  7.1.6 or
7.1.7 with  respect to the  Borrower)  and before any judgment or decree for the
payment of the Obligations due shall have been obtained or entered, the Required
Lenders (in their sole discretion)  shall so direct,  the  Administrative  Agent
shall,  by notice to the Borrower,  rescind and annul such  acceleration  and/or
termination.

     8.2  Amendments.  Subject  to the  provisions  of this  Article  VIII,  the
Required Lenders (or the Administrative Agent with the consent in writing of the
Required Lenders) and the Borrower may enter into agreements supplemental hereto
for the purpose of adding or modifying any  provisions to the Loan  Documents or
changing in any manner the rights of the Lenders or the  Borrower  hereunder  or
waiving any Default  hereunder;  provided  that no such  supplemental  agreement
shall, without the consent of all of the Lenders:

                                      -40-
<PAGE>
     (i)   Extend the final  maturity  of any Loan or forgive all or any portion
           of the  principal  amount  thereof,  or reduce the rate or extend the
           time of payment of interest or fees thereon.

     (ii)  Reduce  the  percentage  specified  in  the  definition  of  Required
           Lenders.

     (iii) Extend the Final  Maturity  Date,  or reduce the amount or extend the
           payment date for, the mandatory  payments required under Section 2.2,
           or  increase  the  amount  of  the  Aggregate  Commitment  or of  the
           Commitment of any Lender hereunder,  or permit the Borrower to assign
           its rights under this Agreement.

     (iv)  Amend this Section 8.2.

No amendment of any provision of this Agreement  relating to the  Administrative
Agent  shall be  effective  without  the  written  consent  of such  Agent.  The
Administrative  Agent may waive payment of the fee required under Section 12.3.2
without obtaining the consent of any other party to this Agreement.


     8.3  Preservation of Rights.  No delay or omission of the Lenders or either
Agent to exercise any right under the Loan Documents  shall impair such right or
be construed to be a waiver of any Default or an acquiescence  therein,  and the
making of a Loan  notwithstanding the existence of a Default or the inability of
the  Borrower  to  satisfy  the  conditions  precedent  to such  Loan  shall not
constitute  any waiver or  acquiescence.  Any single or partial  exercise of any
such right shall not preclude other or further  exercise thereof or the exercise
of any other right,  and no waiver,  amendment or other  variation of the terms,
conditions or provisions of the Loan Documents  whatsoever shall be valid unless
in writing signed by the Lenders required pursuant to Section 8.2, and then only
to the extent in such writing  specifically set forth. All remedies contained in
the Loan  Documents  or by law  afforded  shall be  cumulative  and all shall be
available to the Agents and the Lenders until the Obligations  have been paid in
full.

                                   ARTICLE IX

                               GENERAL PROVISIONS

     9.1 Survival of Representations.  All representations and warranties of the
Borrower  contained  in this  Agreement  shall  survive  the making of the Loans
herein contemplated.

     9.2 Governmental  Regulation.  Anything  contained in this Agreement to the
contrary  notwithstanding,  no Lender shall be obligated to extend credit to the
Borrower  in  violation  of  any  limitation  or  prohibition  provided  by  any
applicable statute or regulation.

                                      -41-
<PAGE>
     9.3 Headings. Section headings in the Loan Documents are for convenience of
reference only, and shall not govern the interpretation of any of the provisions
of the Loan Documents.

     9.4 Entire  Agreement.  The Loan Documents  embody the entire agreement and
understanding  among the Borrower,  the Agents and the Lenders and supersede all
prior  agreements  and  understandings  among the  Borrower,  the Agents and the
Lenders relating to the subject matter thereof.

     9.5  Several  Obligations;  Benefits  of  this  Agreement.  The  respective
obligations  of the  Lenders  hereunder  are several and not joint and no Lender
shall be the  partner  or agent of any other  (except to the extent to which the
Administrative Agent is authorized to act as such). The failure of any Lender to
perform any of its obligations hereunder shall not relieve any other Lender from
any of its obligations hereunder. This Agreement shall not be construed so as to
confer any right or  benefit  upon any  Person  other  than the  parties to this
Agreement and their respective successors and assigns, provided that the parties
hereto  expressly  agree that the  Arrangers  shall  enjoy the  benefits  of the
provisions of Sections 9.6, 9.10 and 10.11 to the extent  specifically set forth
therein and shall have the right to enforce  such  provisions  on its own behalf
and in its own name to the same extent as if it were a party to this Agreement.

     9.6 Expenses; Indemnification.  (i) The Borrower shall reimburse the Agents
and the Arrangers for all reasonable  costs,  internal charges and out-of-pocket
expenses (including, subject to any limit on fees which is separately agreed to,
reasonable  attorneys'  fees and reasonable time charges of attorneys for either
Agent,  which  attorneys  may be  employees  of such  Agent) paid or incurred by
either Agent or either Arranger in connection with the preparation, negotiation,
execution,   delivery,   syndication,   review,  amendment,   modification,  and
administration of the Loan Documents.  The Borrower also agrees to reimburse the
Agents, the Arrangers and the Lenders for all reasonable costs, internal charges
and out-of-pocket  expenses (including reasonable attorneys' fees and reasonable
time charges of attorneys for the Agents,  the Arrangers and the Lenders,  which
attorneys may be employees of an Agent,  either Arranger or the Lenders) paid or
incurred by either Agent,  either  Arranger or any Lender in connection with the
collection and enforcement of the Loan Documents.

     (ii) The  Borrower  hereby  further  agrees to  indemnify  the Agents,  the
Arrangers,  each  Lender,  their  respective  affiliates,   and  each  of  their
directors,   officers  and  employees  against  all  losses,  claims,   damages,
penalties,  judgments,  liabilities and reasonable expenses (including,  without
limitation,  all  reasonable  expenses of  litigation  or  preparation  therefor
whether or not an Agent,  an  Arranger,  any Lender or any  affiliate is a party
thereto)  which any of them may pay or incur  arising out of or relating to this
Agreement, the other Loan Documents, the transactions contemplated hereby or the
direct or indirect  application  or proposed  application of the proceeds of any
Loan  hereunder  except  to the  extent  that  they  are  determined  in a final
non-appealable  judgment by a court of competent  jurisdiction  to have resulted
from  the  gross   negligence  or  willful   misconduct  of  the  party  seeking
indemnification.  The  obligations  of the Borrower under this Section 9.6 shall
survive the termination of this Agreement.

                                      -42-
<PAGE>
     9.7 Numbers of Documents.  All statements,  notices, closing documents, and
requests  hereunder  shall  be  furnished  to  the  Administrative   Agent  with
sufficient counterparts so that the Administrative Agent may furnish one to each
of the Lenders.

     9.8 Accounting.  Except as provided to the contrary herein,  all accounting
terms  used  herein  shall  be  interpreted  and all  accounting  determinations
hereunder shall be made in accordance with Agreement Accounting Principles.

     9.9 Severability of Provisions.  Any provision in any Loan Document that is
held to be inoperative,  unenforceable, or invalid in any jurisdiction shall, as
to  that  jurisdiction,  be  inoperative,   unenforceable,  or  invalid  without
affecting  the  remaining  provisions  in that  jurisdiction  or the  operation,
enforceability,  or validity of that provision in any other jurisdiction, and to
this end the provisions of all Loan Documents are declared to be severable.

     9.10 Nonliability of Lenders.  The relationship between the Borrower on the
one hand and the  Lenders  and the Agents on the other hand shall be solely that
of borrower  and lender.  None of either  Agent,  either  Arranger or any Lender
shall have any fiduciary responsibilities to the Borrower. None of either Agent,
either Arranger or any Lender  undertakes any  responsibility to the Borrower to
review or inform the Borrower of any matter in connection  with any phase of the
Borrower's  business  or  operations.  The  Borrower  agrees that none of either
Agent,  either  Arranger  or any Lender  shall have  liability  to the  Borrower
(whether  sounding in tort,  contract or otherwise)  for losses  suffered by the
Borrower  in  connection  with,  arising  out of, or in any way  related to, the
transactions   contemplated  and  the  relationship   established  by  the  Loan
Documents,  or any act,  omission or event  occurring in  connection  therewith,
unless  it is  determined  in a final  non-appealable  judgment  by a  court  of
competent  jurisdiction  that such losses resulted from the gross  negligence or
willful  misconduct of the party from which  recovery is sought.  None of either
Agent,  either  Arranger or any Lender shall have any liability with respect to,
and the Borrower hereby waives, releases and agrees not to sue for, any special,
indirect or  consequential  damages suffered by the Borrower in connection with,
arising out of, or in any way related to the Loan Documents or the  transactions
contemplated thereby.

     9.11   Confidentiality.   Each  Lender  agrees  to  hold  any  confidential
information which it may receive from the Borrower pursuant to this Agreement in
confidence,  except  for  disclosure  (i)  to  the  extent  permitted  by law or
regulation,  to its  Affiliates  and  to  other  Lenders  and  their  respective
Affiliates, (ii) to legal counsel,  accountants, and other professional advisors
to such Lender or to a Transferee,  (iii) to regulatory  officials,  (iv) to any
Person as required by law,  regulation,  or legal process,  (v) to any Person in
connection  with any legal  proceeding  to which  such  Lender is a party to the
extent required by law,  regulation or legal process,  (vi) permitted by Section
12.4, (vii) to rating agencies if required by such agencies in connection with a
rating relating to the Advances hereunder,  and (viii) to the extent required in
connection  with the exercise of any remedy or any enforcement of this Agreement
by such Lender or the Administrative Agent.

                                      -43-
<PAGE>
     9.12  Nonreliance.  Each Lender hereby represents that it is not relying on
or looking  to any margin  stock (as  defined  in  Regulation  U of the Board of
Governors of the Federal Reserve System) for the repayment of the Loans provided
for herein.

     9.13  Disclosure.  The Borrower and each Lender hereby (i)  acknowledge and
agree that Bank One and/or its Affiliates from time to time may hold investments
in, make other loans to or have other  relationships  with the  Borrower and its
Affiliates,  and (ii) waive any liability of Bank One or such  Affiliate of Bank
One to the  Borrower or any Lender,  respectively,  arising out of or  resulting
from such investments, loans or relationships other than liabilities arising out
of the gross negligence or willful misconduct of Bank One or its Affiliates.

                                   ARTICLE X

                                   THE AGENTS

     10.1  Appointment;  Nature of  Relationship.  Bank One and Bank of America,
N.A., are hereby  appointed by each of the Lenders as the  Administrative  Agent
and the  Syndication  Agent,  respectively,  hereunder and under each other Loan
Document,  and each of the Lenders  irrevocably  authorizes each Agent to act as
the  contractual  representative  of such  Lender  with the  rights  and  duties
expressly set forth herein and in the other Loan Documents. Each Agent agrees to
act as an  Agent  upon the  express  conditions  contained  in this  Article  X.
Notwithstanding  the  use  of  the  defined  term   "Administrative   Agent"  or
"Syndication  Agent," it is expressly  understood  and agreed that neither Agent
shall  have any  fiduciary  responsibilities  to any  Lender  by  reason of this
Agreement or any other Loan Document and that each Agent is merely acting as the
contractual  representative  of  the  Lenders  with  only  those  duties  as are
expressly  set forth in this  Agreement  and the other  Loan  Documents.  In its
capacity as an Agent (i) neither Agent hereby  assumes any  fiduciary  duties to
any of the Lenders, (ii) is a "representative" of the Lenders within the meaning
of Section 9-105 of the Uniform  Commercial  Code and (iii) each Agent is acting
as an  independent  contractor,  the rights  and duties of which are  limited to
those expressly set forth in this Agreement and the other Loan  Documents.  Each
of the Lenders  hereby  agrees to assert no claim  against  either  Agent on any
agency theory or any other theory of liability for breach of fiduciary duty, all
of which claims each Lender hereby waives.

     10.2 Powers.  Each Agent shall have and may exercise  such powers under the
Loan Documents as are specifically  delegated to such Agent by the terms of each
thereof, together with such powers as are reasonably incidental thereto. Neither
Agent shall have any implied  duties to the Lenders,  or any  obligation  to the
Lenders to take any action thereunder except any action specifically provided by
the Loan Documents to be taken by such Agent.

     10.3 General Immunity.  Neither an Agent nor any of such Agent's respective
directors,  officers,  agents or employees shall be liable to the Borrower,  the
Lenders or any Lender for any action  taken or omitted to be taken by it or them
hereunder or under any other

                                      -44-
<PAGE>
Loan Document or in connection  herewith or therewith  except to the extent such
action or inaction is determined in a final  non-appealable  judgment by a court
of competent  jurisdiction  to have arisen from the gross  negligence or willful
misconduct of such Person.

     10.4 No Responsibility for Loans,  Recitals,  etc. Neither an Agent nor any
of such Agent's  directors,  officers,  agents or employees shall be responsible
for or have any duty to ascertain,  inquire  into, or verify (a) any  statement,
warranty or  representation  made in  connection  with any Loan  Document or any
borrowing  hereunder;  (b) the performance or observance of any of the covenants
or  agreements  of any  obligor  under  any Loan  Document,  including,  without
limitation,  any agreement by an obligor to furnish information directly to each
Lender;  (c) the satisfaction of any condition  specified in Article IV, except,
in the  case  of the  Administrative  Agent  receipt  of  items  required  to be
delivered  solely  to  Administrative  Agent;  (d)  the  existence  or  possible
existence of any Default or Unmatured Default; (e) the validity, enforceability,
effectiveness,  sufficiency  or  genuineness  of any Loan  Document or any other
instrument or writing  furnished in connection  therewith;  or (f) the financial
condition  of the  Borrower or of any of the  Borrower's  Subsidiaries.  Neither
Agent shall have any duty to disclose  to the  Lenders  information  that is not
required to be  furnished  by the  Borrower  to such Agent at such time,  but is
voluntarily  furnished by the Borrower to such Agent  (either in its capacity as
an Agent or in its individual capacity).

     10.5 Action on  Instructions  of Lenders.  Each Agent shall in all cases be
fully protected in acting, or in refraining from acting, hereunder and under any
other Loan  Document  in  accordance  with  written  instructions  signed by the
Required Lenders (or, when expressly  required  hereunder,  all of the Lenders),
and such  instructions  and any action taken or failure to act pursuant  thereto
shall be binding on all of the  Lenders.  The Lenders  hereby  acknowledge  that
neither Agent shall be under any duty to take any discretionary action permitted
to be taken by it pursuant to the provisions of this Agreement or any other Loan
Document  unless  it shall be  requested  in  writing  to do so by the  Required
Lenders.  Each Agent shall be fully justified in failing or refusing to take any
action  hereunder  and under any other Loan  Document  unless it shall  first be
indemnified  to its  satisfaction  by the Lenders  pro rata  against any and all
liability,  cost and expense that it may incur by reason of taking or continuing
to take any such action.  The Administrative  Agent agrees,  upon the request of
any Lender at any time an Unmatured  Default exists, to give a written notice to
the Borrower of the type described in Section 7.1.3 or 7.1.4.

     10.6  Employment  of Agents and Counsel.  Each Agent may execute any of its
duties as an Agent  hereunder  and under any other Loan  Document  by or through
employees,  agents,  and  attorneys-in-fact  and shall not be  answerable to the
Lenders,  except  as to money or  securities  received  by it or its  authorized
agents,  for the default or misconduct  of any such agents or  attorneys-in-fact
selected by it with  reasonable  care. Each Agent shall be entitled to advice of
counsel  concerning  the  contractual  arrangement  between  such  Agent and the
Lenders and all matters  pertaining to such Agent's  duties  hereunder and under
any other Loan Document.

     10.7 Reliance on Documents;  Counsel.  Each Agent shall be entitled to rely
upon any  Note,  notice,  consent,  certificate,  affidavit,  letter,  telegram,
statement, paper or document

                                      -45-
<PAGE>
believed  by it to be genuine and correct and to have been signed or sent by the
proper person or persons,  and, in respect to legal matters, upon the opinion of
counsel selected by such Agent, which counsel may be employees of such Agent.

     10.8  Agents'  Reimbursement  and  Indemnification.  The  Lenders  agree to
reimburse  and indemnify  each Agent  ratably in proportion to their  respective
Commitments (or, if the Commitments have been terminated, in proportion to their
Commitments  immediately  prior to such  termination)  (i) for any  amounts  not
reimbursed  by the Borrower for which either Agent is entitled to  reimbursement
by the Borrower under the Loan Documents,  (ii) for any other expenses  incurred
by either Agent on behalf of the Lenders,  in connection  with the  preparation,
execution,  delivery,  administration  and  enforcement  of the  Loan  Documents
(including,  without  limitation,  for any  expenses  incurred  by an  Agent  in
connection  with any dispute  between either Agent and any Lender or between two
or more of the  Lenders)  and (iii) for any  liabilities,  obligations,  losses,
damages, penalties,  actions, judgments, suits, costs, expenses or disbursements
of any kind and  nature  whatsoever  which may be  imposed  on,  incurred  by or
asserted  against either Agent in any way relating to or arising out of the Loan
Documents  or any  other  document  delivered  in  connection  therewith  or the
transactions contemplated thereby (including,  without limitation,  for any such
amounts  incurred by or asserted against an Agent in connection with any dispute
between  either Agent and any Lender or between two or more of the Lenders),  or
the  enforcement  of any of the terms of the Loan Documents or of any such other
documents,  provided  that (i) no Lender shall be liable to any Agent for any of
the  foregoing  to  the  extent  any  of  the  foregoing  is  found  in a  final
non-appealable  judgment by a court of competent  jurisdiction  to have resulted
from the gross  negligence  or  willful  misconduct  of such  Agent and (ii) any
indemnification required pursuant to Section 3.5(vii) shall, notwithstanding the
provisions of this Section  10.8,  be paid by the relevant  Lender in accordance
with the provisions  thereof.  The obligations of the Lenders under this Section
10.8 shall survive payment of the Obligations and termination of this Agreement.

     10.9 Notice of Default.  Neither Agent shall be deemed to have knowledge or
notice of the occurrence of any Default or Unmatured  Default  hereunder  unless
such Agent has received  written notice from a Lender or the Borrower  referring
to this Agreement  describing such Default or Unmatured Default and stating that
such notice is a "notice of default".  In the event that either  Agent  receives
such a notice, such Agent shall give prompt notice thereof to the Lenders.

     10.10  Rights as a Lender.  In the event an Agent is a Lender,  such  Agent
shall  have the same  rights  and  powers  hereunder  and under  any other  Loan
Document  with  respect  to its  Commitment  and its Loans as any Lender and may
exercise  the same as  though  it were not an Agent,  and the term  "Lender"  or
"Lenders"  shall,  at any time when an Agent is a  Lender,  unless  the  context
otherwise indicates,  include such Agent in its individual capacity.  Each Agent
and its  respective  Affiliates  may accept  deposits  from,  lend money to, and
generally engage in any kind of trust,  debt,  equity or other  transaction,  in
addition to those  contemplated  by this  Agreement or any other Loan  Document,
with the Borrower or any of its Subsidiaries in which

                                      -46-
<PAGE>
the Borrower or such Subsidiary is not restricted  hereby from engaging with any
other Person.  Neither Agent, in its individual capacity, is obligated to remain
a Lender.

     10.11  Lender  Credit  Decision.  Each  Lender  acknowledges  that  it has,
independently  and without  reliance upon either Agent,  either  Arranger or any
other Lender and based on the financial  statements prepared by the Borrower and
such other documents and information as it has deemed appropriate,  made its own
credit  analysis  and decision to enter into this  Agreement  and the other Loan
Documents. Each Lender also acknowledges that it will, independently and without
reliance  upon either  Agent,  either  Arranger or any other Lender and based on
such  documents  and  information  as it shall  deem  appropriate  at the  time,
continue to make its own credit  decisions in taking or not taking  action under
this Agreement and the other Loan Documents.

     10.12 Successor Agent.  Each Agent may resign at any time by giving written
notice thereof to the Lenders and the Borrower, such resignation to be effective
(i) in the case of the Syndication Agent,  immediately,  and (ii) in the case of
the  Administrative  Agent, upon the appointment of a successor Agent, or, if no
successor  Agent has been  appointed,  forty-five  days after the retiring Agent
gives notice of its intention to resign. Either Agent may be removed at any time
with or without cause by written notice received by such Agent from the Required
Lenders,  such  removal to be  effective  on the date  specified by the Required
Lenders.  Upon any  resignation  or removal  of the  Administrative  Agent,  the
Required  Lenders shall have the right (with, so long as no Default or Unmatured
Default  exists,  the consent of the Borrower,  which shall not be  unreasonably
withheld) to appoint,  on behalf of the  Borrower  and the Lenders,  a successor
Administrative  Agent. If no successor  Administrative  Agent shall have been so
appointed  by the  Required  Lenders  within  thirty  days  after the  resigning
Administrative  Agent's  giving  notice of its  intention  to  resign,  then the
resigning  Administrative  Agent may appoint,  on behalf of the Borrower and the
Lenders,  a  successor   Administrative  Agent.   Notwithstanding  the  previous
sentence,  the  Administrative  Agent may at any time without the consent of any
Lender and with the consent of the Borrower,  not to be unreasonably withheld or
delayed, appoint any of its Affiliates which is a commercial bank as a successor
Administrative Agent hereunder. If the Administrative Agent has resigned or been
removed and no successor  Administrative  Agent has been appointed,  the Lenders
may  perform  all the  duties  of the  Administrative  Agent  hereunder  and the
Borrower shall make all payments in respect of the Obligations to the applicable
Lender and for all other  purposes  shall deal  directly  with the  Lenders.  No
successor  Administrative  Agent shall be deemed to be appointed hereunder until
such  Administrative  Agent has accepted  the  appointment.  Any such  successor
Administrative  Agent shall be a  commercial  bank having  capital and  retained
earnings of at least  $100,000,000.  Upon the  acceptance of any  appointment as
Administrative  Agent  hereunder  by  a  successor  Administrative  Agent,  such
successor Administrative Agent shall thereupon succeed to and become vested with
all the  rights,  powers,  privileges  and  duties of the  resigning  or removed
Administrative  Agent.  Upon the  effectiveness of the resignation or removal of
either Agent, the resigning or removed Agent shall be discharged from its duties
and obligations hereunder and under the Loan Documents.  After the effectiveness
of the  resignation  or removal of an Agent,  the  provisions  of this Article X
shall continue in effect for the benefit of such Agent in respect of any actions
taken or omitted to be

                                      -47-
<PAGE>
taken by such Agent while such Agent was acting as an Agent  hereunder and under
the  other  Loan  Documents.  In the  event  that  there is a  successor  to the
Administrative  Agent by merger, or the Administrative  Agent assigns its duties
and  obligations to an Affiliate  pursuant to this Section 10.12,  then the term
"Prime Rate" as used in this Agreement  shall mean the prime rate,  base rate or
other  analogous  rate of the new  Administrative  Agent.

     10.13  Delegation  to  Affiliates.  The Borrower and the Lenders agree that
each Agent may  delegate  any of its duties  under this  Agreement to any of its
respective  Affiliates.  Any such  Affiliate  (and such  Affiliate's  directors,
officers,  agents and employees)  which performs  duties in connection with this
Agreement shall be entitled to the same benefits of the indemnification,  waiver
and other protective  provisions to which the Agents are entitled under Articles
IX and X.

                                   ARTICLE XI

                            SETOFF; RATABLE PAYMENTS

     11.1 Setoff.  In addition to, and without  limitation of, any rights of the
Lenders  under  applicable  law,  if the  Borrower  becomes  insolvent,  however
evidenced,  or any Default occurs,  any and all deposits  (including all account
balances,  whether  provisional  or  final  and  whether  or  not  collected  or
available) and any other Indebtedness at any time held or owing by any Lender or
any  Affiliate of any Lender to or for the credit or account of the Borrower may
be offset and  applied  toward  the  payment  of the  Obligations  owing to such
Lender, whether or not the Obligations, or any part thereof, shall then be due.

     11.2 Ratable Payments. If any Lender,  whether by setoff or otherwise,  has
payment  made to it upon its Loans  (other than  payments  received  pursuant to
Section 3.1, 3.2, 3.4 or 3.5) in a greater  proportion than that received by any
other Lender, such Lender agrees, promptly upon demand, to purchase a portion of
the Loans held by the other Lenders so that after such purchase each Lender will
hold its ratable proportion of Loans. If any Lender,  whether in connection with
setoff or  amounts  which  might be  subject  to setoff or  otherwise,  receives
collateral or other  protection for its Obligations or such amounts which may be
subject to setoff, such Lender agrees, promptly upon demand, to take such action
necessary such that all Lenders share in the benefits of such collateral ratably
in  proportion  to their  Loans.  In case any such payment is disturbed by legal
process, or otherwise, appropriate further adjustments shall be made.

                                  ARTICLE XII

               BENEFIT OF AGREEMENT; ASSIGNMENTS; PARTICIPATIONS

     12.1 Successors and Assigns. The terms and provisions of the Loan Documents
shall be binding  upon and inure to the benefit of the  Borrower and the Lenders
and their respective

                                      -48-
<PAGE>
successors and assigns, except that (i) the Borrower shall not have the right to
assign  its  rights  or  obligations  under  the  Loan  Documents  and  (ii) any
assignment  by any Lender must be made in  compliance  with  Section  12.3.  The
parties to this  Agreement  acknowledge  that clause (ii) of this  Section  12.1
relates only to absolute  assignments and does not prohibit assignments creating
security interests,  including,  without limitation, any pledge or assignment by
any Lender of all or any portion of its rights under this Agreement and any Note
to a Federal Reserve Bank; provided that no such pledge or assignment creating a
security  interest  shall  release the  transferor  Lender from its  obligations
hereunder unless and until the parties thereto have complied with the provisions
of Section 12.3.  The  Administrative  Agent may treat the Person which made any
Loan or which holds any Note as the owner thereof for all purposes hereof unless
and  until  such  Person   complies  with  Section   12.3;   provided  that  the
Administrative Agent may in its discretion (but shall not be required to) follow
instructions  from the  Person  which  made any Loan or which  holds any Note to
direct payments relating to such Loan or Note to another Person. Any assignee of
the rights to any Loan or any Note agrees by acceptance of such assignment to be
bound by all the  terms  and  provisions  of the Loan  Documents.  Any  request,
authority  or consent of any Person,  who at the time of making such  request or
giving such authority or consent is the owner of the rights to any Loan (whether
or not a Note has been  issued in evidence  thereof),  shall be  conclusive  and
binding on any  subsequent  holder or assignee of the rights to such Loan.


     12.2 Participations.

         12.2.1. Permitted Participants; Effect. Any Lender may, in the ordinary
     course of its business and in accordance  with  applicable law, at any time
     sell to one or more banks or other entities ("Participants")  participating
     interests in any Loan owing to such  Lender,  any Note held by such Lender,
     any  Commitment  of such Lender or any other  interest of such Lender under
     the  Loan  Documents.  In the  event  of  any  such  sale  by a  Lender  of
     participating  interests to a Participant,  such Lender's obligations under
     the Loan Documents shall remain unchanged,  such Lender shall remain solely
     responsible  to the  other  parties  hereto  for  the  performance  of such
     obligations, such Lender shall remain the owner of its Loans and the holder
     of any Note issued to it in evidence  thereof  for all  purposes  under the
     Loan  Documents,  all amounts  payable by the Borrower under this Agreement
     (including under Article III) shall be determined as if such Lender had not
     sold such participating  interests, and the Borrower and the Administrative
     Agent  shall  continue  to deal  solely and  directly  with such  Lender in
     connection  with  such  Lender's  rights  and  obligations  under  the Loan
     Documents.

         12.2.2.  Voting  Rights.  Each  Lender  shall  retain the sole right to
     approve,   without  the  consent  of  any   Participant,   any   amendment,
     modification  or waiver of any provision of the Loan  Documents  other than
     any  amendment,  modification  or  waiver  with  respect  to  any  Loan  or
     Commitment  in  which  such  Participant  has an  interest  which  forgives
     principal,  interest or fees or reduces the  interest  rate or fees payable
     with  respect to any such Loan or  Commitment,  extends the Final  Maturity
     Date, or postpones any date fixed for any  regularly  scheduled  payment of
     principal of, or interest or fees on, any such Loan or Commitment.

                                      -49-
<PAGE>
     12.3 Assignments.

         12.3.1.  Permitted Assignments.  Any Lender may, in the ordinary course
     of its business and in accordance  with  applicable law, at any time assign
     to one or more banks or other  entities  ("Purchasers")  all or any part of
     its rights and obligations under the Loan Documents.  Such assignment shall
     be  substantially  in the form of Exhibit C or in such other form as may be
     agreed  to by  the  parties  thereto.  The  consent  of the  Borrower,  the
     Administrative  Agent and the Syndication Agent (which consent shall not be
     unreasonably withheld or delayed by any such party) shall be required prior
     to an assignment  becoming  effective with respect to a Purchaser  which is
     not a Lender  or an  Affiliate  thereof;  provided  that if a  Default  has
     occurred  and is  continuing,  the  consent  of the  Borrower  shall not be
     required;  provided,  further, that no assignment shall be permitted if, as
     of the date thereof, any event or circumstance exists which would result in
     the Borrower  being  obligated to pay any greater  amount  hereunder to the
     Purchaser  than the Borrower is obligated to pay to the  assigning  Lender.
     Each such  assignment  with respect to a Purchaser which is not a Lender or
     an  Affiliate   thereof   shall  (unless  each  of  the  Borrower  and  the
     Administrative  Agent otherwise consents) be in an amount not less than the
     lesser of (i)  $5,000,000  or (ii) the  remaining  amount of the  assigning
     Lender's  Commitment  (calculated  as at the  date of such  assignment)  or
     outstanding Loans (if the applicable Commitment has been terminated).

         12.3.2. Effect; Effective Date. Upon (i) delivery to the Administrative
     Agent of an  assignment,  together  with any  consents  required by Section
     12.3.1,  and (ii) payment of a $4,000 fee to the  Administrative  Agent for
     processing such assignment (unless such fee is waived by the Administrative
     Agent),  such  assignment  shall  become  effective on the  effective  date
     specified in such assignment. The assignment shall contain a representation
     by the Purchaser to the effect that none of the consideration  used to make
     the purchase of the Commitment  and Loans under the  applicable  assignment
     agreement  constitutes  "plan  assets" as defined  under ERISA and that the
     rights and interests of the Purchaser in and under the Loan  Documents will
     not be "plan assets" under ERISA.  On and after the effective  date of such
     assignment, such Purchaser shall for all purposes be a Lender party to this
     Agreement  and any  other  Loan  Document  executed  by or on behalf of the
     Lenders and shall have all the rights and obligations of a Lender under the
     Loan Documents,  to the same extent as if it were an original party hereto,
     and no  further  consent  or  action  by the  Borrower,  the  Lenders,  the
     Administrative  Agent or the Syndication Agent shall be required to release
     the  transferor  Lender with  respect to the  percentage  of the  Aggregate
     Commitment and Loans assigned to such Purchaser.  Upon the  consummation of
     any  assignment  to a  Purchaser  pursuant  to  this  Section  12.3.2,  the
     transferor Lender, the Administrative  Agent and the Borrower shall, if the
     transferor  Lender or the Purchaser  desires that its Loans be evidenced by
     Notes, make appropriate  arrangements so that new Notes or, as appropriate,
     replacement Notes are issued to such transferor Lender and new Notes or, as
     appropriate,  replacement Notes, are issued to such Purchaser, in each case
     in principal amounts reflecting their respective  Commitments,  as adjusted
     pursuant to such assignment.

                                      -50-
<PAGE>
     12.4 Dissemination of Information.  The Borrower  authorizes each Lender to
disclose to any  Participant  or  Purchaser  or any other  Person  acquiring  an
interest in the Loan Documents by operation of law (each a "Transferee") and any
prospective  Transferee  any and all  information  in such  Lender's  possession
concerning the creditworthiness of the Borrower and its Subsidiaries,  including
without limitation any information contained in any Reports;  provided that each
Transferee and prospective Transferee agrees to be bound by Section 9.11 of this
Agreement.

     12.5 Tax Treatment.  If any interest in any Loan Document is transferred to
any Transferee which is organized under the laws of any jurisdiction  other than
the United States or any State thereof,  the transferor  Lender shall cause such
Transferee, concurrently with the effectiveness of such transfer, to comply with
the  provisions  of Section  3.5(iv) and the  Borrower  shall not be required to
indemnify such Transferee  pursuant to Section 3.5 hereof for any Taxes withheld
as a result of the failure of the Transferee to so comply.

                                  ARTICLE XIII

                                    NOTICES

     13.1 Notices. Except as otherwise permitted by Section 2.15 with respect to
borrowing notices,  all notices,  requests and other communications to any party
hereunder  shall be in writing  (including  electronic  transmission,  facsimile
transmission  or similar  writing) and shall be given to such party:  (x) in the
case of the Borrower or an Agent,  at its address or facsimile  number set forth
on the signature pages hereof,  (y) in the case of any Lender, at its address or
facsimile  number set forth in its  administrative  questionnaire  or (z) in the
case of any party,  at such other address or facsimile  number as such party may
hereafter specify for the purpose by notice to the Administrative  Agent and the
Borrower in  accordance  with the  provisions  of this Section  13.1.  Each such
notice,  request  or  other  communication  shall be  effective  (i) if given by
facsimile  transmission,  when  transmitted to the facsimile number specified in
this Section and  confirmation  of receipt is received,  or (ii) if given by any
other  means,  when  delivered  (or,  in the  case of  electronic  transmission,
received) at the address specified in this Section; provided that notices to the
Administrative Agent under Article II shall not be effective until received.

     13.2 Change of Address.  The  Borrower,  each Agent and any Lender may each
change the  address  for service of notice upon it by a notice in writing to the
other parties hereto.

                                  ARTICLE XIV

                                  COUNTERPARTS

     This Agreement may be executed in any number of counterparts,  all of which
taken together shall constitute one agreement, and any of the parties hereto may
execute this
                                      -51-
<PAGE>
Agreement by signing any such  counterpart.  This  Agreement  shall be effective
when it has been executed by the  Borrower,  the Agents and the Lenders and each
party  has  notified  the  Administrative  Agent by  facsimile  transmission  or
telephone that it has taken such action.


                                   ARTICLE XV

                    CHOICE OF LAW; CONSENT TO JURISDICTION;
                  WAIVER OF JURY TRIAL; MAXIMUM INTEREST RATE

     15.1  CHOICE OF LAW.  THE LOAN  DOCUMENTS  (OTHER THAN THOSE  CONTAINING  A
CONTRARY  EXPRESS CHOICE OF LAW PROVISION) SHALL BE CONSTRUED IN ACCORDANCE WITH
THE INTERNAL LAWS (INCLUDING,  WITHOUT  LIMITATION,  735 ILCS SECTION 105/5-1 ET
SEQ, BUT OTHERWISE  WITHOUT  REGARD TO THE CONFLICT OF LAWS  PROVISIONS)  OF THE
STATE OF  ILLINOIS,  BUT GIVING  EFFECT TO FEDERAL LAWS  APPLICABLE  TO NATIONAL
BANKS.

     15.2 CONSENT TO JURISDICTION.  THE BORROWER HEREBY  IRREVOCABLY  SUBMITS TO
THE  NON-EXCLUSIVE  JURISDICTION  OF ANY UNITED STATES FEDERAL OR ILLINOIS STATE
COURT SITTING IN CHICAGO, ILLINOIS IN ANY ACTION OR PROCEEDING ARISING OUT OF OR
RELATING TO ANY LOAN DOCUMENTS AND THE BORROWER HEREBY  IRREVOCABLY  AGREES THAT
ALL CLAIMS IN RESPECT OF SUCH ACTION OR PROCEEDING  MAY BE HEARD AND  DETERMINED
IN ANY SUCH COURT AND  IRREVOCABLY  WAIVES ANY OBJECTION IT MAY NOW OR HEREAFTER
HAVE AS TO THE VENUE OF ANY SUCH SUIT,  ACTION OR  PROCEEDING  BROUGHT IN SUCH A
COURT OR THAT SUCH COURT IS AN  INCONVENIENT  FORUM.  NOTHING HEREIN SHALL LIMIT
THE  RIGHT OF  EITHER  AGENT OR ANY  LENDER  TO BRING  PROCEEDINGS  AGAINST  THE
BORROWER IN THE COURTS OF ANY OTHER JURISDICTION. ANY JUDICIAL PROCEEDING BY THE
BORROWER  AGAINST EITHER AGENT OR ANY LENDER OR ANY AFFILIATE OF EITHER AGENT OR
ANY LENDER INVOLVING,  DIRECTLY OR INDIRECTLY, ANY MATTER IN ANY WAY ARISING OUT
OF,  RELATED TO, OR CONNECTED  WITH ANY LOAN DOCUMENT SHALL BE BROUGHT ONLY IN A
COURT IN CHICAGO, ILLINOIS.

     15.3 WAIVER OF JURY TRIAL. THE BORROWER,  THE ADMINISTRATIVE AGENT AND EACH
LENDER HEREBY WAIVE TRIAL BY JURY IN ANY JUDICIAL PROCEEDING INVOLVING, DIRECTLY
OR INDIRECTLY,  ANY MATTER (WHETHER SOUNDING IN TORT,  CONTRACT OR OTHERWISE) IN
ANY WAY ARISING OUT OF,  RELATED TO, OR CONNECTED  WITH ANY LOAN DOCUMENT OR THE
RELATIONSHIP ESTABLISHED THEREUNDER.

                                      -52-
<PAGE>
     15.4  Maximum  Interest  Rate.  No provision  of the Loan  Documents  shall
require  the  payment  or permit the  collection  of  interest  in excess of the
maximum  permitted by applicable law ("Maximum Rate"). If any interest in excess
of the Maximum Rate is provided for or shall be  adjudicated  to be provided for
in the Notes or otherwise in connection with this  Agreement,  the provisions of
this  Section  15.4 shall  govern and prevail and neither the  Borrower  nor the
sureties,  guarantors,  successors or assigns of the Borrower shall be obligated
to pay the excess  amount of the  interest or any other  excess sum paid for the
use, forbearance,  or detention of sums loaned. In the event either Agent or any
Lender ever  receives,  collects or applies as interest  any amount in excess of
the Maximum Rate, the amount by which such amount exceeds the Maximum Rate shall
be applied as a payment and reduction of the principal of indebtedness evidenced
by the Loans,  and, if the principal  amount of the Loans has been paid in full,
any remaining excess shall forthwith be paid to the Borrower.

     15.5 Termination of Existing Agreements. Each of the parties hereto (to the
extent  applicable)  agrees  that,  concurrently  with the making of the initial
Advance hereunder, each of the Agreements referred to in clause (a) of the first
paragraph of Section 4.1 shall be terminated  (without regard to any requirement
for notice of termination of any commitment  thereunder) and each such Agreement
shall be of no further force or effect  (except for any provision  thereof which
by its terms survives termination thereof).

                                      -53-
<PAGE>
     IN WITNESS WHEREOF, the Borrower,  the Lenders and the Agents have executed
this Agreement as of the date first above written.

                                        SOUTHWESTERN ENERGY COMPANY


                                        By:____________________________________
                                             Executive Vice President and
                                               Chief Financial Officer



                                        1083 Sain Street
                                        P.O. Box 1408
                                        Fayetteville, Arkansas 72702
                                        Attention: Greg Kerley
                                        Fax:       501-521-1147


                                      S-1
<PAGE>


                                        BANK ONE, NA,
                                        Individually and as Administrative Agent


                                        By:____________________________________
                                          Title:_______________________________

                                        1 Bank One Plaza
                                        Chicago, Illinois 60670
                                        Attention: Madeleine Pember
                                        Fax:       312-732-9727


                                      S-2
<PAGE>



                                        BANK OF AMERICA, N.A.,
                                        Individually and as Syndication Agent


                                        By:____________________________________
                                                   J. Scott Fowler
                                                  Managing Director


                                      S-3
<PAGE>
                                  SCHEDULE 1A
                                  COMMITMENTS

<TABLE>
<CAPTION>
     Lender                                         Amount of Commitment
     ------                                         --------------------
     <S>                                            <C>
     Bank One, NA                                   $ 90,000,000

     Bank of America, N.A.                          $ 90,000,000
     --------------------                           ------------

     Aggregate Commitment                           $180,000,000
</TABLE>
<PAGE>
                                  SCHEDULE 1B
                             EXISTING INDEBTEDNESS
<TABLE>
<CAPTION>
                                                                   Outstanding Principal
     Designation         Obligor   Holders as of July 10, 2000   Amount as of July 10, 2000
     -----------         -------   ---------------------------   --------------------------
<S>                      <C>       <C>                                  <C>
Private Placement Debt   Company   Various Investors                     $22,000,000

Senior Notes             Company   Bank One, NA (then known as          $125,000,000
                                   The First National  Bank of
                                   Chicago), as Trustee

Medium Term Notes        Company   Bank One, NA (then known as          $100,000,000
                                   The First National Bank of
                                   Chicago),  as Trustee

Guaranty Agreement Re:   Company   The Bank of New York, as              $45,600,000
NOARK Pipeline System              Trustee
</TABLE>
<PAGE>
                                SCHEDULE 2.7(a)
                              EXCLUDED ASSET SALES

A.W. Realty Sale
An undivided 2/3 interest in Lot1-B of Vantage  Square,  a Joint  Venture,  or a
portion  of Lot 1-B yet to be  determined.  Lot 1-B  containing  5.86  acres  is
located in the  northeast  quarter  of the  northeast  quarter  of  Section  26,
Township 17 north,  range 30 west of Washington  County,  Arkansas.  Anticipated
sales  proceeds  of   approximately   $1.2  million.

Oklahoma  E&P  Properties
Southwestern  Energy Production  Company's working interest in approximately 135
oil and gas  producing  properties  located  primarily in the Anadarko  Basin in
western  Oklahoma.  Properties  will  be  auctioned  at  the  Oil  &  Gas  Asset
Clearinghouse  Auction  scheduled  for the week of July 10,  2000 with  proceeds
expected to be between $11 million and $13 million.

<PAGE>
                                SCHEDULE 2.7(b)
                              ASSETS TO BE SWAPPED

Southwestern  Energy Production  Company's working interest in approximately 300
oil and gas producing  properties in the Anadarko Basin of Oklahoma.  Properties
represent the remaining Anadarko  properties not sold at auction during the week
of July 10, 2000.  Properties would be anticipated to be sold at a price ranging
from $20 million to $30 million.

<PAGE>
                                  SCHEDULE 5.4
                                  SUBSIDIARIES

Arkansas Western Gas Company

Southwestern Energy Production Company

Southwestern Energy Pipeline Company

SEECO, Inc.

A.W. Realty Company

Southwestern Energy Services Company

Diamond M Production Company

All  of the  above  are  100%  wholly-owned  by the  Company  and  are  Arkansas
corporations.

Arkansas Gas Gathering Company, an Arkansas corporation, is 100% wholly-owned by
SEECO, Inc.

<PAGE>
                                  SCHEDULE 5.13
                                   LITIGATION

                  Enron v. Southwestern Energy Company, et. al

In its Form 8-K filed July 2, 1996,  the  Borrower  disclosed  that this lawsuit
relating  to  overriding  royalty  interests  in  certain  Arkansas  oil and gas
properties had been filed against it and two of its  wholly-owned  subsidiaries.
The lawsuit,  which was brought by a party who was  originally  included in (but
opted out of) the Case, involves claims similar to those upon which judgment was
rendered against the Borrower and its Subsidiaries.  In September 1998,  another
party  who  opted  out  of  the  class  threatened  the  Borrower  with  similar
litigation.  While the amounts of these pending and  threatened  claims could be
significant,  management  believes,  based on its extensive  investigations  and
trial preparation,  that these claims are without merit, and that the Borrower's
ultimate liability,  if any, will not be material to its consolidated  financial
position or results of  operation.  This  matter went to a non-jury  trial as to
liability on January 10, 2000 and the Borrower is awaiting the Court's ruling.

<PAGE>
                                 SCHEDULE 5.19
                                NEGATIVE PLEDGES

     Listed  below  are  all  of  the  documents   evidencing   Indebtedness  of
Southwestern  Energy Company and its Subsidiaries  which contain  limitations on
the creation, incurrence, or assumption of Liens on any of their properties.

     9.36% Senior Notes due 2011, Series C issued by the Borrower.

     Indenture dated as of December 1, 1995,  between the Borrower and Bank One,
     NA (then known as The First National Bank of Chicago), as Trustee.

<PAGE>
                                  SCHEDULE 6.2
                                   INSURANCE

1.   Property "all risk" insurance including  earthquake coverage for buildings,
     personal property, equipment and inventory. Minimum limit of $15,000,000.

2.   Workers'  Compensation with Statutory Limits and Employer's  Liability with
     $1,000,000 per accident or occupational  disease  covering all employees in
     compliance  with the laws of the States of Arkansas,  Oklahoma,  New Mexico
     and Texas. Such policy is endorsed to provide United States  Longshoremen's
     & Harbor Workers' Compensation Act and Maritime Coverages.

3.   Comprehensive  General  Liability  Insurance  with bodily  injury and death
     limits of  $1,000,000  for injury to or death of one person and  $2,000,000
     for the  death or injury of more  than one  person  in one  occurrence  and
     property damage limits of $1,000,000 for each occurrence.

4.   Automobile Public Liability  Insurance  covering bodily injury or death and
     property  damage of at least  $1,000,000 per  occurrence,  combined  single
     limit.

5.   Control  of Well  Coverage  with  $10,000,000  combined  single  limit  for
     operator's      extra      expense/care,      custody     and      control;
     redrilling/recompletion; and seepage, pollution and containment.

6.   Umbrella Liability Insurance with minimum limits of at least $30,000,000 to
     apply in excess of the primary limits of the above stated policies.

<PAGE>
                                   EXHIBIT A

                            FORM OF BORROWING NOTICE

Reference  is made to the Credit  Agreement  dated as of July 17,  2000 (as from
time to time amended,  the "Agreement")  among Southwestern  Energy Company,  an
Arkansas corporation (the "Borrower"),  various financial institutions, and Bank
One, NA, as Administrative Agent (the "Administrative Agent"). Capitalized terms
used but not defined herein have the respective  meanings given to such terms in
the Agreement.
Pursuant to the Agreement,  the Borrower  hereby requests that an Advance in the
amount of $_________ to be made on  ____________,  ____.  The Borrower  requests
that the  Advance to be made  hereunder  shall be [a Floating  Rate  Advance] [a
Eurodollar  Advance] [a  Transaction  Rate  Advance] [and shall have an Interest
Period/Transaction  Rate  Interest  Period  of  _______________.]

     The  Borrower certifies that:

         (a) The  representations  and  warranties  of the Borrower set forth in
Article V of the  Agreement  are true and correct on and as of the date  hereof,
with the same effect as though such representations and warranties had been made
on and as of the date  hereof or, if such  representations  and  warranties  are
expressly limited to particular dates, as of such particular dates.

         (b) No Default or  Unmatured  Default  exists or will  result  from the
Borrower's  receipt and  application  of the  proceeds of the Advance  requested
hereby.

     IN WITNESS WHEREOF, this instrument is executed as of _________,  ____.


                                        SOUTHWESTERN ENERGY COMPANY


                                        By:____________________________________
                                        Name:__________________________________
                                        Title:_________________________________

<PAGE>
                                   EXHIBIT B
                                FORM OF OPINION


                                                              ___________, 2000

The Administrative Agent and the Lenders who are parties to the Credit Agreement
described below.


Gentlemen/Ladies:


     I am counsel for  Southwestern  Energy Company (the  "Borrower"),  and have
represented  the Borrower in  connection  with its  execution  and delivery of a
Credit Agreement dated as of July 17, 2000 (the "Agreement") among the Borrower,
the Lenders  named  therein,  and Bank One,  NA, as  Administrative  Agent,  and
providing  for  Advances  in  an  aggregate   principal   amount  not  exceeding
$180,000,000 at any one time  outstanding.  All  capitalized  terms used in this
opinion and not otherwise  defined herein shall have the meanings  attributed to
them in the Agreement.

     I have  examined  the  Borrower's  **[describe  constitutive  documents  of
Borrower and appropriate evidence of authority to enter into the transaction]**,
the  Loan  Documents  and  such  other  matters  of fact  and law  which we deem
necessary in order to render this opinion.  Based upon the foregoing,  it is our
opinion that:

     l. Each of the Borrower and its Subsidiaries is a corporation,  partnership
or limited liability  Borrower duly and properly  incorporated or organized,  as
the case may be,  validly  existing and (to the extent such  concept  applies to
such  entity)  in  good  standing  under  the  laws  of  its   jurisdiction   of
incorporation  or  organization  and has all requisite  authority to conduct its
business in each jurisdiction in which its business is conducted.

     2. The execution and delivery by the Borrower of the Loan Documents and the
performance  by the  Borrower  of its  obligations  thereunder  have  been  duly
authorized by proper corporate  proceedings on the part of the Borrower and will
not:

         (a)  require  any  consent of the  Borrower's  shareholders  or members
     (other than any such  consent as has already been given and remains in full
     force and effect);

         (b) violate  (i) any law,  rule,  regulation,  order,  writ,  judgment,
     injunction,  decree  or  award  binding  on  the  Borrower  or  any  of its
     Subsidiaries  or  (ii)  the  Borrower's  or any  Subsidiary's  articles  or
     certificate  of  incorporation,   partnership  agreement,   certificate  of
     partnership, articles or certificate of organization,  bylaws, or operating
     or

<PAGE>
     other management agreement,  as the case may be, or (iii) the provisions of
     any indenture,  instrument or agreement to which the Borrower or any of its
     Subsidiaries is a party or is subject, or by which it, or its Property,  is
     bound, or conflict with or constitute a default thereunder; or

         (c) result in, or require,  the creation or  imposition of any Lien in,
     of or on the Property of the Borrower or a Subsidiary pursuant to the terms
     of any indenture,  instrument or agreement binding upon the Borrower or any
     of its Subsidiaries.

     3. The Loan Documents have been duly executed and delivered by the Borrower
and constitute legal, valid and binding obligations of the Borrower  enforceable
against the  Borrower in  accordance  with their terms  except to the extent the
enforcement  thereof may be limited by  bankruptcy,  insolvency  or similar laws
affecting the enforcement of creditors' rights generally and subject also to the
availability of equitable remedies if equitable remedies are sought.

     4. Except for the litigation disclosed in Borrower's Form 8-K filed July 2,
1996  and  updated  in  the  Borrower's  most  recent  Form  10-Q,  there  is no
litigation,  arbitration,  governmental  investigation,  proceeding  or  inquiry
pending or, to the best of our knowledge after due inquiry,  threatened  against
the Borrower or any of its Subsidiaries  which, if adversely  determined,  could
reasonably be expected to have a Material Adverse Effect.

     5. No order, consent, adjudication,  approval, license,  authorization,  or
validation of, or filing,  recording or  registration  with, or exemption by, or
other action in respect of any governmental or public body or authority,  or any
subdivision  thereof,  which has not been obtained by the Borrower or any of its
Subsidiaries,  is  required  to be  obtained  by  the  Borrower  or  any  of its
Subsidiaries  in  connection  with  the  execution  and  delivery  of  the  Loan
Documents,  the borrowings  under the Agreement,  the payment and performance by
the Borrower of the Obligations,  or the legality,  validity,  binding effect or
enforceability of any of the Loan Documents.

     This  opinion  may be relied  upon by the  Agents,  the  Lenders  and their
participants, assignees and other transferees.

                                        Very truly yours,

<PAGE>
                                   EXHIBIT C

                              ASSIGNMENT AGREEMENT

     This Assignment Agreement (this "Assignment Agreement") between ___________
(the "Assignor") and _____________ (the "Assignee") is dated as of ________, ___
20___.  The parties  hereto agree as follows:

     1.  PRELIMINARY  STATEMENT.  The Assignor is a party to a Credit  Agreement
(which, as it may be amended, modified, renewed or extended from time to time is
herein called the "Credit Agreement") described in Item 1 of Schedule 1 attached
hereto  ("Schedule 1").  Capitalized terms used herein and not otherwise defined
herein shall have the meanings attributed to them in the Credit Agreement.

     2. ASSIGNMENT AND ASSUMPTION.  The Assignor hereby sells and assigns to the
Assignee,  and the Assignee hereby  purchases and assumes from the Assignor,  an
interest  in and to the  Assignor's  rights  and  obligations  under the  Credit
Agreement  and the other Loan  Documents,  such that after giving effect to such
assignment  the  Assignee  shall  have  purchased  pursuant  to this  Assignment
Agreement  the  percentage  interest  specified  in Item 3 of  Schedule 1 of all
outstanding rights and obligations under the Credit Agreement and the other Loan
Documents  relating  to the  facilities  listed  in Item 3 of  Schedule  1.  The
aggregate   Commitment  (or  Loans,  if  the  applicable   Commitment  has  been
terminated)  purchased  by the  Assignee  hereunder  is set  forth  in Item 4 of
Schedule 1.

     3. EFFECTIVE  DATE. The effective  date of this  Assignment  Agreement (the
"Effective Date") shall be the later of the date specified in Item 5 of Schedule
1 or two Business Days (or such shorter  period agreed to by the  Administrative
Agent) after this  Assignment  Agreement,  together  with any consents  required
under the Credit  Agreement,  are delivered to the  Administrative  Agent. In no
event will the Effective  Date occur if the payments  required to be made by the
Assignee to the  Assignor  on the  Effective  Date are not made on the  proposed
Effective Date.

     4. PAYMENT  OBLIGATIONS.  In  consideration  for the sale and assignment of
Loans hereunder, the Assignee shall pay the Assignor, on the Effective Date, the
amount  agreed to by the Assignor and the  Assignee.  On and after the Effective
Date,  the Assignee shall be entitled to receive from the  Administrative  Agent
all  payments  of  principal,  interest  and fees with  respect to the  interest
assigned  hereby.  The Assignee will promptly remit to the Assignor any interest
on Loans and fees  received  from the  Administrative  Agent which relate to the
portion of the  Commitment  or Loans  assigned  to the  Assignee  hereunder  for
periods prior to the Effective Date and not  previously  paid by the Assignee to
the  Assignor.  In the event that either  party  hereto  receives any payment to
which the other party hereto is entitled under this Assignment  Agreement,  then
the party  receiving  such  amount  shall  promptly  remit it to the other party
hereto.

<PAGE>
     5. RECORDATION FEE. The Assignor and Assignee each agree to pay one-half of
the  recordation  fee  required  to be  paid  to  the  Administrative  Agent  in
connection with this Assignment  Agreement unless otherwise  specified in Item 6
of Schedule 1.

     6.   REPRESENTATIONS  OF  THE  ASSIGNOR;   LIMITATIONS  ON  THE  ASSIGNOR'S
LIABILITY.  The Assignor  represents  and warrants  that (i) it is the legal and
beneficial  owner of the  interest  being  assigned by it  hereunder,  (ii) such
interest  is free and clear of any adverse  claim  created by the  Assignor  and
(iii) the execution and delivery of this Assignment Agreement by the Assignor is
duly authorized.  It is understood and agreed that the assignment and assumption
hereunder are made without  recourse to the Assignor and that the Assignor makes
no other  representation  or warranty of any kind to the  Assignee.  Neither the
Assignor  nor any of its  officers,  directors,  employees,  agents or attorneys
shall  be   responsible   for  (i)  the  due  execution,   legality,   validity,
enforceability, genuineness, sufficiency or collectability of any Loan Document,
including  without  limitation,  documents  granting  the Assignor and the other
Lenders a security interest in assets of the Borrower or any guarantor, (ii) any
representation,  warranty or statement made in or in connection  with any of the
Loan  Documents,  (iii)  the  financial  condition  or  creditworthiness  of the
Borrower or any guarantor, (iv) the performance of or compliance with any of the
terms or  provisions of any of the Loan  Documents,  (v)  inspecting  any of the
property,  books or records of the Borrower, (vi) the validity,  enforceability,
perfection, priority, condition, value or sufficiency of any collateral securing
or  purporting to secure the Loans or (vii) any mistake,  error of judgment,  or
action  taken or  omitted to be taken in  connection  with the Loans or the Loan
Documents.

     7.  REPRESENTATIONS  AND  UNDERTAKINGS  OF THE  ASSIGNEE.  The Assignee (i)
confirms  that it has  received a copy of the Credit  Agreement,  together  with
copies of the  financial  statements  requested  by the  Assignee and such other
documents and  information  as it has deemed  appropriate to make its own credit
analysis and decision to enter into this Assignment Agreement,  (ii) agrees that
it will,  independently  and without reliance upon either Agent, the Assignor or
any other Lender and based on such  documents and  information  at it shall deem
appropriate at the time,  continue to make its own credit decisions in taking or
not taking action under the Loan  Documents,  (iii)  appoints and authorizes the
Agents to take such  action as agent on its behalf and to  exercise  such powers
under the Loan  Documents as are  delegated to the Agents by the terms  thereof,
together with such powers as are reasonably  incidental  thereto,  (iv) confirms
that the execution and delivery of this Assignment  Agreement by the Assignee is
duly authorized,  (v) agrees that it will perform in accordance with their terms
all of the obligations  which by the terms of the Loan Documents are required to
be performed by it as a Lender,  (vi) agrees that its payment  instructions  and
notice  instructions  are as set forth in the  attachment  to  Schedule 1, (vii)
confirms that none of the funds,  monies,  assets or other  consideration  being
used to make the purchase and assumption  hereunder are "plan assets" as defined
under ERISA and that its rights,  benefits  and  interests in and under the Loan
Documents will not be "plan assets" under ERISA,  (viii) agrees to indemnify and
hold the Assignor  harmless against all losses,  costs and expenses  (including,
without limitation,  reasonable attorneys' fees) and liabilities incurred by the
Assignor  in  connection  with or  arising  in any  manner  from the  Assignee's
nonperformance of the obligations assumed under this Assignment Agreement, and

                                       2
<PAGE>
(ix) if  applicable,  attaches  the forms  prescribed  by the  Internal  Revenue
Service of the United States certifying that the Assignee is entitled to receive
payments under the Loan Documents without deduction or withholding of any United
States federal income taxes.

     8.  GOVERNING  LAW.  This  Assignment  Agreement  shall be  governed by the
internal law, and not the law of conflicts, of the State of Illinois.

     9. NOTICES.  Notices shall be given under this Assignment  Agreement in the
manner set forth in the Credit Agreement.  For the purpose hereof, the addresses
of the  parties  hereto  (until  notice of a change is  delivered)  shall be the
address set forth in the attachment to Schedule 1.

     10. COUNTERPARTS;  DELIVERY BY FACSIMILE.  This Assignment Agreement may be
executed in counterparts.  Transmission by facsimile of an executed  counterpart
of this  Assignment  Agreement  shall be deemed to constitute due and sufficient
delivery  of such  counterpart  and  such  facsimile  shall be  deemed  to be an
original counterpart of this Assignment Agreement.

     IN WITNESS WHEREOF, the duly authorized officers of the parties hereto have
executed this Assignment Agreement by executing Schedule 1 hereto as of the date
first above written.

                                       3
<PAGE>
                                   SCHEDULE 1
                            to Assignment Agreement

1.   Description and Date of Credit Agreement:

     Credit  Agreement  dated  as of July 17,  2000  among  Southwestern  Energy
     Company, the lenders named therein including the Assignor, and Bank One, NA
     individually  and as  Administrative  Agent for such  lender,  as it may be
     amended from time to time.

2.   Date of Assignment Agreement:_________ , 20__

3.   Amounts (As of Date of Item 2 above):

a.   Assignee's percentage
     of  Aggregate   Commitment
     (Advances)   purchased
     under  the  Assignment
     Agreement**                  ____%

b.   Amount of
     Assignor's Commitment
     purchased
     under the Assignment
     Agreement**                  $______

4.   Assignee's Commitment (or Loans
     with respect to terminated
     Commitments) purchased
     hereunder:                             $___________________

5.   Proposed Effective Date:                ___________________


6.   Non-standard Recordation Fee
     Arrangement
                                            N/A***
                                            [Assignor/Assignee
                                            to pay 100% of fee]
                                            [Fee waived by Administrative Agent]

Accepted and Agreed:

[NAME OF ASSIGNOR]                          [NAME OF ASSIGNEE]

By:______________________                   By:_____________________
Title____________________                   Title:___________________

                                       4
<PAGE>
ACCEPTED AND CONSENTED TO****
SOUTHWESTERN ENERGY COMPANY


By:_______________________________
Title:____________________________

** Percentage taken to 10 decimal places
*** If fee is split 50-50, pick N/A as option
**** Delete if not required by Credit Agreement


ACCEPTED AND CONSENTED
TO BY BANK ONE, NA,
as Administrative Agent


By:_______________________________
Title:____________________________


ACCEPTED AND CONSENTED
TO BY BANK OF AMERICA, N.A.,
as Syndication Agent


By:_______________________________
Title:____________________________

                                       5
<PAGE>
                Attachment to SCHEDULE 1 to ASSIGNMENT AGREEMENT

                        ADMINISTRATIVE INFORMATION SHEET

         Attach Assignor's Administrative Information Sheet, which must
           include notice addresses for the Assignor and the Assignee
                           (Sample form shown below)

                              ASSIGNOR INFORMATION
Contact:

Name:_____________________________     Telephone No.:__________________________
Fax No.:__________________________     Telex No.:______________________________
                                       Answerback:_____________________________

Payment Information:

Name & ABA # of Destination Bank: ______________________
Account Name & Number for Wire Transfer:_______________________________________
_______________________________________________________________________________
Other Instructions:____________________________________________________________

Address for Notices for Assignor:______________________________________________


                              ASSIGNEE INFORMATION
Credit Contact:

Name:_____________________________     Telephone No.:__________________________
Fax No.:__________________________     Telex No.:______________________________
                                       Answerback:_____________________________

Key Operations Contacts:

Booking Installation:                  Booking Installation:
Name:                                  Name:
Telephone No.:                         Telephone No.:
Fax No.:                               Fax No.:
Telex No.:                             Telex No.:
Answerback:                            Answerback:

                                       6
<PAGE>
Payment Information:

Name & ABA # of Destination Bank:

Account Name & Number for Wire Transfer:_______________________________
Other Instructions:

Address for Notices for Assignee:

                                      7
<PAGE>
     BANK ONE INFORMATION

     Assignee will be called promptly upon receipt of the signed agreement.

Initial Funding Contact:        Subsequent Operations Contact:

Name:                           Name:
Telephone No.: (312)            Telephone No.: (312)
Fax No.: (312)                  Fax No.: (312)
                                Bank One Telex No.: 190201 (Answerback: FNBC UT)

Initial Funding Standards:

Libor Fund 2 days after rates are set.

Bank One Wire Instructions:        Bank One, NA, ABA # 071000013
                                   LS2 Incoming Account # 481152860000
                                   Ref:________________

Address for Notices for Bank One : 1 Bank One Plaza, Chicago, IL 60670
                                   Attn: Agency Compliance Division,
                                   Suite IL1-0353
                                   Fax No. (312) 7322038 or (312) 7324339

                                       8
<PAGE>
                                   EXHIBIT D
                 LOAN/CREDIT RELATED MONEY TRANSFER INSTRUCTION

     To Bank One, NA,
     as  Administrative  Agent  (the  "Administrative  Agent")  under the Credit
     Agreement
     Described Below.

     Re: Credit Agreement, dated as of July 17, 2000 (as the same may be amended
or modified,  the "Credit  Agreement"),  among Southwestern  Energy Company (the
"Borrower"), the Lenders named therein and the Administrative Agent. Capitalized
terms used  herein and not  otherwise  defined  herein  shall have the  meanings
assigned thereto in the Credit Agreement.

         The Administrative Agent is specifically authorized and directed to act
upon the following  standing  money  transfer  instructions  with respect to the
proceeds  of  Advances  or other  extensions  of credit  from time to time until
receipt by the  Administrative  Agent of a specific  written  revocation of such
instructions  by the  Borrower,  provided  that  the  Administrative  Agent  may
otherwise  transfer  funds as  hereafter  directed in writing by the Borrower in
accordance with Section 13.1 of the Credit  Agreement or based on any telephonic
notice made in accordance with Section 2.15 of the Credit Agreement.

     Facility Identification  Number(s)________________________________________

     Customer/Account Name: [Borrower]

     Transfer Funds To_________________________________________________________
                      _________________________________________________________

     For Account No.___________________________________________________________

     Reference/Attention To____________________________________________________

     Authorized Officer (Customer Representative)     Date________________

     ____________________________________________     _________________________
     (Please Print)                 Signature

     Bank Officer Name                                Date________________

     ____________________________________________     _________________________
     (Please Print)                 Signature

    (Deliver Completed Form to Credit Support Staff For Immediate Processing)

<PAGE>
                                   EXHIBIT E
                                      NOTE

                                                                         [Date]

         Southwestern Energy Company, an Arkansas  corporation (the "Borrower"),
promises  to pay  to  the  order  of  ____________________________________  (the
"Lender") the aggregate  unpaid principal amount of all Loans made by the Lender
to the  Borrower  pursuant  to  Article  II of  the  Agreement  (as  hereinafter
defined),  in immediately  available funds at the main office of Bank One, NA in
Chicago, Illinois, as Administrative Agent, together with interest on the unpaid
principal  amount  hereof  at the  rates  and  on the  dates  set  forth  in the
Agreement.  The  Borrower  shall pay the  principal  of and  accrued  and unpaid
interest on the Loans in full on the Final Maturity Date.

         The Lender shall,  and is hereby  authorized to, record on the schedule
attached  hereto,  or to otherwise record in accordance with its usual practice,
the date and  amount  of each  Loan and the date and  amount  of each  principal
payment hereunder.


         This Note is one of the Notes  issued  pursuant  to, and is entitled to
the benefits of, the Credit  Agreement  dated as of July 17, 2000 (which,  as it
may be amended or modified and in effect from time to time, is herein called the
"Agreement"),  among the  Borrower,  the lenders  party  thereto,  including the
Lender, and Bank One, NA, as Administrative  Agent, to which Agreement reference
is hereby made for a statement of the terms and conditions  governing this Note,
including the terms and  conditions  under which this Note may be prepaid or its
maturity  date  accelerated.  Capitalized  terms used  herein and not  otherwise
defined herein are used with the meanings attributed to them in the Agreement.

         Notwithstanding  anything to the contrary in this Note, no provision of
this Note shall  require  the  payment or permit the  collection  of interest in
excess of the maximum  permitted by  applicable  law  ("Maximum  Rate").  If any
interest in excess of the Maximum Rate is provided  for or shall be  adjudicated
to be so  provided,  in this  Note or  otherwise  in  connection  with  the loan
transaction,  the  provisions of this  paragraph  shall govern and prevail,  and
neither the Borrower nor the sureties, guarantors,  successors or assigns of the
Borrower  shall be  obligated  to pay the  excess of the  interest  or any other
excess sum paid for the use,  forbearance,  or detention of sums loaned.  If for
any reason  interest  in excess of the  Maximum  Rate  shall be deemed  charged,
required or permitted by any court of competent  jurisdiction,  the excess shall
be applied as payment and reduction of the principal of  indebtedness  evidenced
by this Note, and, if the principal  amount has been paid in full, any remaining
excess shall forthwith be paid to the Borrower.

<PAGE>
         This Note shall be construed in accordance  with the internal laws (and
not the law of conflicts) of the State of Illinois, but giving effect to Federal
laws applicable to national banks.

                                        SOUTHWESTERN ENERGY COMPANY


                                        By:____________________________________
                                        Print Name:____________________________
                                        Title:_________________________________


                                       2
<PAGE>
                  SCHEDULE OF LOANS AND PAYMENTS OF PRINCIPAL
                                       TO
                                      NOTE
                              DATED JULY 17, 2000

- --------------------------------------------------------------------------------
:        :   Principal    :      Maturity      :  Principal  :                 :
:  Date  : Amount of Loan : of Interest Period : Amount Paid :  Unpaid Balance :
- --------------------------------------------------------------------------------
:        :                :                    :             :                 :
- --------------------------------------------------------------------------------
:        :                :                    :             :                 :
- --------------------------------------------------------------------------------
:        :                :                    :             :                 :
- --------------------------------------------------------------------------------
:        :                :                    :             :                 :
- --------------------------------------------------------------------------------
:        :                :                    :             :                 :
- --------------------------------------------------------------------------------
:        :                :                    :             :                 :
- --------------------------------------------------------------------------------
:        :                :                    :             :                 :
- --------------------------------------------------------------------------------
:        :                :                    :             :                 :
- --------------------------------------------------------------------------------

                                       i
<PAGE>
                                   EXHIBIT F

                         FORM OF COMPLIANCE CERTIFICATE

         The undersigned,  the  _________________ of Southwestern Energy Company
(the "Borrower") hereby (a) delivers this Certificate pursuant to Section 6.1(c)
of the Credit Agreement dated as of July 17, 2000 (the "Agreement";  capitalized
terms used but not defined herein have the respective  meanings given thereto in
the Agreement) among the Borrower,  various financial institutions and Bank One,
NA, as Administrative Agent, and (b) certifies to each Lender as follows:

     1. Attached as Schedule I are the  financial  statements of the Borrower as
of and for the Fiscal Year Quarter (check one) ended _____________, ________ .

     2.  Such  financial  statements  have  been  prepared  in  accordance  with
Agreement Accounting  Principles and fairly present in all material respects the
financial  condition  of the Borrower as of the date  indicated  therein and the
results of operations for the respective periods covered thereby.

     3. Attached as Schedule II are detailed  calculations  used by the Borrower
to establish  whether the Borrower was in compliance  with the  requirements  of
Section 6.4 of the Agreement on the date of the financial statements attached as
Schedule I.

     4. Unless  otherwise  disclosed on Schedule  III,  neither a Default nor an
Unmatured  Default has occurred  which is in existence on the date hereof or, if
any Default or Unmatured  Default is disclosed on Schedule III, the Borrower has
taken or proposes to take the action to cure such Default or  Unmatured  Default
set forth on Schedule III.

     5. Except as described on Schedule IV, the  representations  and warranties
of the Borrower set forth in the Agreement are true and correct on and as of the
date hereof, with the same effect as though such  representations and warranties
had been  made on and as of the date  hereof  or,  if such  representations  and
warranties  are expressly  limited to particular  dates,  as of such  particular
dates.

     IN WITNESS  WHEREOF,  the undersigned has duly executed this Certificate as
of __________, ________.


                                        SOUTHWESTERN ENERGY COMPANY

                                        By:____________________________________
                                        Name:__________________________________
                                        Title:_________________________________

<PAGE>
                                   Schedule I

Financial Statements
(to be attached)

<PAGE>
                                  Schedule II

Compliance Calculations
(to be attached)

<PAGE>
                                  Schedule III

Defaults/Remedial Action
(to be attached)

<PAGE>
                                  Schedule IV

Qualifications to Representations and Warranties

<PAGE>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23
<SEQUENCE>3
<FILENAME>0003.txt
<DESCRIPTION>CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS
<TEXT>


                                                                 EXHIBIT 23




                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

As independent public accountants, we hereby consent to the incorporation of our
report dated  February 5, 2001  included in this Form 10-K,  into the  Company's
previously  filed  Registration  Statement  on  Form  S-8  (File Nos. 333-03787,
333-03789, 333-64961 and 333-96161).

Tulsa, Oklahoma
  March 30, 2001

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-27
<SEQUENCE>4
<FILENAME>0004.txt
<DESCRIPTION>FINANCIAL DATA SCHEDULE FOR 2000 10-K
<TEXT>

<TABLE> <S> <C>

<ARTICLE> 5

<MULTIPLIER> 1,000


<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               DEC-31-2000
<CASH>                                           2,386
<SECURITIES>                                         0
<RECEIVABLES>                                   77,041
<ALLOWANCES>                                         0
<INVENTORY>                                     17,000
<CURRENT-ASSETS>                               112,855
<PP&E>                                       1,118,723
<DEPRECIATION>                                 554,616
<TOTAL-ASSETS>                                 705,378
<CURRENT-LIABILITIES>                          239,884
<BONDS>                                        225,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,774
<OTHER-SE>                                     138,517
<TOTAL-LIABILITY-AND-EQUITY>                   705,378
<SALES>                                        353,040
<TOTAL-REVENUES>                               363,883
<CGS>                                                0
<TOTAL-COSTS>                                  417,352
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                                     0
<INTEREST-EXPENSE>                              23,230
<INCOME-PRETAX>                                (74,702)
<INCOME-TAX>                                   (28,905)
<INCOME-CONTINUING>                            (45,797)
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                   (890)
<CHANGES>                                            0
<NET-INCOME>                                   (46,687)
<EPS-BASIC>                                      (1.86)
<EPS-DILUTED>                                    (1.86)


</TABLE>
</TEXT>

</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----