LAW OFFICES
                             ARTHUR L. DRAGER
                              5 LIGHT STREET
                                 SUITE 510
                         BALTIMORE, MARYLAND 21202

                              (410) 683-0012


                             November 17, 1992

Department of Justice
VIA FAX (202) 307-1198

     RE: The Americans with Disabilities Act

Dear Sir/Madam:

     I am a staff attorney with the above-named firm. Mr. Drager
is frequently appointed Guardian of the Property of disabled
persons in Maryland.  Mr. Drager, in his capacity as Court
Appointed Guardian, has an absolute duty to safeguard his ward's
assets and interests. On occasion he is prevented from doing so.
Attached hereto please find a copy of Maryland National Bank's safe
deposit box contract, which is used by said institution to prevent
Mr. Drager from performing the above-referenced duties.

     In particular, please reference paragraph 21. Paragraph 21
states that "a legal representative of one of the lessees of the
box, appointed in the event of death, incompetency, insolvency, or
other disabilities shall be permitted access to the box only is
accompanied by all other lessees or if all such lessees shall have
consented by writing filed with the lessor to permit the legal
representative access alone to the box." It should be noted that
prior to declaration of disability, the owner is allowed access to
his or her box. Subsequent to a finding of disability, a Guardian
is prevented from obtaining access, while the other joint tenant(s)
can access the box without notice to the Guardian.  Accordingly,
once the person is disabled their rights are diminished.  This has
resulted in several safe deposit boxes being emptied of their
contents by the co-owners, and appears to be a discriminating
contract under the Americans with Disabilities Act.

     I would appreciate a call from someone on your legal staff in
order that we may discuss this matter.

                         Very truly yours,


                         Richard K. Abraham

RKA/mrw

01-02944