Education:        
                     
             PhD. In Religious Studies (June 1992)
                   Christian Bible College
                   Major: New Testament (Gospel of John)
                   Dissertation:  The Contribution and Use of Judaism in 
                                           the Formulation and Composition 
                                           of the Fourth Gospel

             Master of Arts (August 1996)
                   University of South Carolina
                   Major: Religious Studies
                   Thesis:  The Implication of the Johannine School to
                                  the Origins of the Gospel of John 

             Master of Business Administration (August 1973)
                   University of South Carolina
                   Major: Economics and Information Systems
                  
              Bachelor of Science in Business Administration (August 1968)
                   University of South Carolina 
                   Major: Banking, Finance, Insurance and Real Estate