RFS Announces Third Quarter Results, Dividend Payment

Press Release: RFS Hotel Investors Inc.
November 2, 2001
MEMPHIS, TN -- RFS Hotel Investors, Inc. (NYSE:RFS) yesterday announced funds from operations (FFO) for the third quarter ended September 30, 2001, of $12.4 million, or $0.45 per share, compared to $19.0 million, or $0.70 per share, for the same quarter a year ago, a decline of 34.7% in FFO. The comparable quarter of 2000 was the best quarter in the Company's history and the decline this year was primarily attributable to a significant fall-off in business in northern California, particularly since September 11. FFO for the nine months ended September 30, 2001 was $44.3 million, or $1.61 per share, compared to 2000 FFO of $50.7 million, or $1.87 per share, a decline of 12.6% in FFO.

Third Quarter Highlights

Comparable hotels revenue per available room (RevPAR) was down 12.3% for the third quarter. The following represents changes in RevPAR as compared to the prior year comparable periods by market segment:

                                          RevPAR Change
                                          -------------
                                     Quarter         Year to Date
                                     -------         ------------
        Comparable Hotels                 58               56
        Full Service                 (22.0%)             (6.1%)
        Extended Stay                (  4.4%)             1.0%
        Limited Service              (  4.6%)             1.4%
          Total                       (12.3%)            (1.7%)

Results Subsequent to September 11, 2001

Randy Churchey, RFS president and chief operating officer, said, ``For the period September 1 through September 11, RevPAR for our portfolio declined 3.8% from the prior year. However, the horrific events of September 11 have had a dramatic and detrimental affect on the travel industry. To put this event in historical perspective, industry RevPAR in September declined 24%. The largest monthly drop prior to that was only 8%, following the Gulf War in March 1991.''

The following table shows the weekly changes in RevPAR for RFS (compared to 2000) since September 11:

                              BY SEGMENT
                             ------------
             Change in       Full         Limited       Extended
Week Ended     RevPAR      Service        Service         Stay
----------   ---------     -------       --------       --------
9/15          (18.3%)       (27.4%)        (11.9%)       ( 9.6%)
9/22          (35.5%)       (52.9%)        (22.1%)       (21.8%)
9/29          (22.3%)       (39.2%)        ( 6.6%)       ( 9.2%)

10/6          (20.6%)       (35.2%)        ( 9.4%)       ( 6.2%)
10/13         (20.1%)       (32.0%)        ( 7.5%)       (11.8%)
10/20         (16.3%)       (24.6%)        ( 9.0%)       ( 9.6%)
10/27         (16.7%)       (25.6%)        ( 8.6%)       (10.7%)


``It is obvious that there has been a gradual recovery since September 11,'' Churchey explained, ``except in major gateway cities such as San Francisco. Exclusive of our six hotels in northern California, RevPAR for RFS in October declined approximately 8%. The limited service and extended stay segments are holding up substantially better than the larger, full service properties, particularly those located in markets which depend heavily on airline traffic.''

Capital

Despite the fact that FFO declined 34.7% during the quarter and 12.6% for the nine months ended September 30, 2001, during the quarter the Company:

Kevin Luebbers, RFS executive vice president and chief financial officer, stated, ``Our balance sheet remains strong and the Company has no significant debt maturities prior to June 30, 2004. Additionally, cash flow in 2002 will benefit from a planned reduction in capital expenditures from their present annualized level of approximately $16 million in 2001 to approximately $9 million next year.''

Outlook and Dividends

Given the current environment, and particularly the uncertainty of geopolitical events, it is impossible to predict future performance with any degree of precision. However, for planning purposes, RFS is assuming a fourth quarter 2001 RevPAR decline ranging from 15% to 25%, and a resulting fourth quarter FFO per share in the range of $0.10 to $0.25.

In light of this expected reduction in business activity, the Board of Directors has decided to reduce the fourth quarter 2001 dividend from $0.385 per share to $0.10 per share. This dividend will be payable on November 26, 2001 to shareholders of record on November 12, 2001. The Company's policy has been to pay an annual dividend approximately equal to 100% of taxable income. REIT tax laws require that 90% of taxable income be distributed to shareholders. With this fourth quarter dividend, aggregate 2001 common dividends of $1.255 per share satisfy the Company's policy.

For 2002 planning purposes, RFS is assuming an economic recovery in the second half of 2002, resulting in flat to a slight decline in RevPAR for the full year. EBITDA margins are expected to contract slightly. As a result, FFO per share is expected to range from $1.55 to $1.75 per share. Given these results, RFS expects to pay 2002 quarterly dividends ranging from $0.25 to $0.30 per share (annual dividend ranging from $1.00 to $1.20), starting with a payment date of February 15, 2002. This level of 2002 dividends is consistent with the Company's policy of making dividend payments in the range of 65% to 70% of annual FFO. Obviously, these are preliminary estimates which, due to present wartime conditions, may change materially.

Robert Solmson, RFS chairman and CEO, said, ``Without question, the period since September 11 has been the most difficult operating environment for hotels since World War II. The duration and depth of this cycle will depend more on unpredictable geopolitical events than on traditional economic developments. Meanwhile, we will continue to carefully monitor cash flow by reducing operating costs, deferring non-essential capital expenditures, and continuing to pay down long-term debt,'' Solmson explained.

RFS Hotel Investors, Inc. (RFS) is a real estate investment trust (REIT) that owns 58 hotels with approximately 8,400 rooms located in 24 states. RFS's hotel portfolio is diversified by geography, brand and segment. Leading brands under which RFS hotels are operated include Sheraton®, Residence Inn by Marriott®, Hilton®, Doubletree®, Holiday Inn®, Hampton Inn®, and Homewood Suites by Hilton®. By segment, RFS receives approximately 44% of its EBITDA from full service hotels, 32% from extended stay hotels and 24% from limited service hotels. Additional information can be found on the Company's website at www.rfshotel.com.

Certain matters within this press release are discussed using forward-looking language as specified in the 1995 Private Securities Litigation Reform Law, and, as such, may involve known and unknown risks, uncertainties and other factors that may cause the actual results or performance to differ from those projected in the forward-looking statement. From time to time, these risks are discussed in the Company's filings with the Securities and Exchange Commission.

RFS HOTEL INVESTORS, INC.
                        KEY COMPANY STATISTICS
                   QUARTER ENDED SEPTEMBER 30, 2001

                         Operating Statistics

Total Revenues      $55.5 million  EBITDA                   $19.9 million

% Decrease in
 Revenues(1)         13.9%         % Decrease in EBITDA      22.9%

FFO                 $12.4 million  % of Hotel EBITDA(2)
                                      Full Service Hotels      44%
% Decrease in FFO    34.7%            Extended Stay Hotels     32%
                                      Limited Service Hotels   24%
FFO per Share     $  0.45

% Decrease in FFO
 per Share           35.7%


                          Capital Statistics

EBITDA/Interest(2)    3.6x         Debt/EBITDA(2)             3.4x

EBITDA/Interest
 and Preferred        3.2x         Percentage of fixed         96%
 Dividends2                        interest rate debt


    (1) 1 As compared to pro forma three months ended September 30,
        2000, as if the Hilton lease termination occurred on January
        1, 2000.

    (2) EBITDA information is pro forma for the trailing 12 months
        ended September 30, 2001 as if the Hilton lease termination
        occurred on January 1, 2000.



                      RFS HOTEL INVESTORS, INC.
                    CONSOLIDATED INCOME STATEMENTS
    FOR THE THREE AND NINE MONTHS ENDED SEPTEMBER 30, 2001 AND 2000
                (in thousands, except per share data)

                              Three Months Ended    Nine Months Ended
                             Sept. 30,  Sept. 30,  Sept. 30,  Sept. 30,
                                 2001       2000      2001      2000
                              --------- ---------- --------- ---------
Revenue:
  Rooms                        $ 47,430            $ 149,499
  Food and beverage               3,868               13,205
  Other operating departments     2,242                7,231
  Lease revenue (1)               1,268   $ 29,836     4,585  $ 82,737
  Deferred revenue (1)              621      8,792    (1,115)  (18,715)
  Other                              76        143       417       653
                              --------- ---------- --------- ---------
         Total hotel revenue     55,505     38,771   173,822    64,675
                              --------- ---------- --------- ---------

Hotel operating expenses by department:

  Rooms                           9,292               28,751
  Food and beverage               3,186               10,247
  Other operating departments       497                1,594
Undistributed operating expenses:
  Property operating costs        6,212               17,673
  Property taxes, insurance
    and other                     3,377      2,772     9,518     8,369
  Franchise costs                 4,272               13,283
  Maintenance and repair          2,350                7,548
  Management fees                 1,069                3,952
  General and administrative      3,813               11,726
                              --------- ---------- --------- ---------
        Total hotel operating
          expenses               34,068      2,772   104,292     8,369
                              --------- ---------- --------- ---------

Net hotel operating income
  (Hotel EBITDA)                 21,437     35,999    69,530    56,306

Corporate expenses:

  Depreciation                    7,376      6,896    22,253    20,302
  Amortization of deferred
   expenses and unearned
   compensation                     722        342     2,132     1,232

  Interest expense                5,955      6,093    18,727    17,296
  General and administrative        944      1,418     3,123     4,750
  Hilton lease termination                            65,496
  (Gain) loss on sale of hotel
   properties                                         (1,200)    4,000
  Minority interest in income
   (loss) of Operating
   Partnership                      594      2,162    (1,165)      964
                              --------- ---------- --------- ---------

Income (loss) before
  income taxes                    5,846     19,088   (39,836)    7,762
Benefit from income taxes          (708)             (25,207)
                              --------- ---------- --------- ---------

Net income (loss)                 6,554     19,088   (14,629)    7,762
Preferred stock dividends          (781)      (355)   (2,343)   (1,054)
Gain on redemption of
  Series A Preferred Stock                             5,141
                              --------- ---------- --------- ---------

Net income (loss) applicable
  to common shareholders        $ 5,773   $ 18,733 $ (11,831)  $ 6,708
                              ========= ========== ========= =========

  Diluted earnings (loss)
   per share                     $ 0.23     $ 0.76   $ (0.47)   $ 0.27
  Weighted average common
   shares and equivalents
   outstanding                   25,263     24,500    24,981    24,576


(1)  Deferred revenue is recorded for the Company's hotels which are
     leased to third parties in accordance with Staff Accounting
     Bulletin 101 which requires deferral of certain revenue until the
     third and fourth quarters. For the three months ended September
     30, 2001 and 2000, five and fifty-nine hotels were leased to
     third-party lessees, respectively. SAB 101 has no effect on rent
     payments under the Company's third-party leases or the Company's
     cash flow and no impact on full year revenue.



                      RFS HOTEL INVESTORS, INC.
                    CALCULATION OF FFO AND EBITDA
    FOR THE THREE AND NINE MONTHS ENDED SEPTEMBER 30, 2001 AND 2000
                 (in thousands, except per share data)

                              Three Months Ended    Nine Months Ended
                             Sept. 30,  Sept. 30,  Sept. 30,  Sept. 30,
                                 2001       2000      2001      2000
                              --------- ---------- --------- ---------

Funds from operations:
Net income (loss)               $ 6,554   $ 19,088 $ (14,629)  $ 7,762
Minority interest in income
  (loss) of Operating
  Partnership                       594      2,162    (1,165)      964
Hilton lease termination                              65,496
Deferred income taxes related
  to Hilton lease termination      (708)             (25,207)
Deferred revenue                   (621)    (8,792)    1,115    18,715
(Gain) loss on sale of hotel
  properties                                          (1,200)    4,000
Preferred stock dividends          (781)      (355)   (2,343)   (1,054)
Depreciation                      7,376      6,896    22,253    20,302
                             ---------- ---------- --------- ---------

     Funds from operations     $ 12,414   $ 18,999  $ 44,320  $ 50,689
                             ========== ========== ========= =========

Weighted average common shares,
  partnership units and
  potential dilutive shares
  outstanding                    27,722     27,100    27,528    27,142

     FFO per share               $ 0.45     $ 0.70    $ 1.61    $ 1.87

Earnings before interest,
  taxes, depreciation and
  amortization (EBITDA):
FFO                            $ 12,414   $ 18,999  $ 44,320  $ 50,689
Interest expense                  5,955      6,093    18,727    17,296
Current income taxes
Amortization                        722        342     2,132     1,232
Preferred stock dividends           781        355     2,343     1,054
                              --------- ---------- --------- ---------

     Corporate EBITDA          $ 19,872   $ 25,789  $ 67,522  $ 70,271
                             ========== ========== ========= =========



                       RFS HOTEL INVESTORS, INC.
                    CONSOLIDATED INCOME STATEMENTS
    FOR THE THREE AND NINE MONTHS ENDED SEPTEMBER 30, 2001 and 2000
                 (in thousands, except per share data)


                               Three Months Ended   Nine Months Ended
                                           Pro                 Pro
                                Actual   Forma (2)   Actual  Forma (2)
                               Sept. 30, Sept. 30, Sept. 30, Sept. 30,
                                 2001      2000       2001     2000
                              --------- ---------- --------- ---------
Revenue:
  Rooms                        $ 47,430    $55,023 $ 149,499  $152,755
  Food and beverage               3,868      4,794    13,205    14,327
  Other operating departments     2,242      2,545     7,231     7,406
  Lease revenue (1)               1,268      1,297     4,585     4,407
  Deferred revenue (1)              621        605    (1,115)   (1,074)
  Other                              76        181       417       764
                              --------- ---------- --------- ---------
        Total hotel revenue      55,505     64,445   173,822   178,585
                              --------- ---------- --------- ---------

Hotel operating expenses by department:
  Rooms                           9,292     10,307    28,751    28,716
  Food and beverage               3,186      3,657    10,247    10,693
  Other operating departments       497        588     1,594     1,712
Undistributed operating expenses:
  Property operating costs        6,212      6,144    17,673    17,021
  Property taxes, insurance
   and other                      3,377      3,036     9,518     9,089
  Franchise costs                 4,272      4,480    13,283    12,289
  Maintenance and repair          2,350      2,480     7,548     7,280
  Management fees                 1,069      1,559     3,952     4,361
  General and administrative      3,813      4,070    11,726    11,806
                              --------- ---------- --------- ---------
        Total hotel operating
         expenses                34,068     36,321   104,292   102,967
                              --------- ---------- --------- ---------

Net hotel operating income
  (Hotel EBITDA)                 21,437     28,124    69,530    75,618

Corporate expenses:
  Depreciation                    7,376      6,740    22,253    19,833
  Amortization of deferred
   expenses and unearned
   compensation                     722        342     2,132     1,230
  Interest expense                5,955      6,446    18,727    18,354
  General and administrative        944      1,418     3,123     4,748
  Hilton lease termination                            65,496
  (Gain) Loss on sale of hotel
   properties                                        (1,200)     4,000
  Minority interest in income
   (loss) of Operating
   Partnership                      594      1,131    (1,165)    2,566
                              --------- ---------- --------- ---------

Income before income taxes        5,846     12,047   (39,836)   24,887
Provision for (benefit from)
  income taxes                     (708)       942   (25,207)    2,137
                              --------- ---------- --------- ---------

Net income (loss)                 6,554     11,105   (14,629)   22,750
Preferred stock dividends          (781)      (781)   (2,343)   (2,343)
Gain on redemption of
  Series A Preferred Stock                             5,141
                              --------- ---------- --------- ---------

Net income (loss) applicable
  to common shareholders        $ 5,773   $ 10,324 $ (11,831) $ 20,407
                              ========= ========== ========= =========

  Diluted earnings per share     $ 0.23     $ 0.42   $ (0.47)   $ 0.83
  Weighted average common
   shares and equivalents
   outstanding                   25,263     24,500    24,981    24,576

(1)  Deferred revenue is recorded for the Company's hotels which are
     leased to third parties in accordance with Staff Accounting
     Bulletin 101 which requires deferral of certain revenue until the
     third and fourth quarters. For the three months ended September
     30, 2001 and 2000, five and fifty-nine hotels were leased to
     third-party lessees, respectively. SAB 101 has no effect on rent
     payments under the Company's third-party leases or the Company's
     cash flow and no impact on full year revenue.

(2)  Assumes that the Hilton lease termination transaction, the sales
     of three hotels in 2000 and early 2001, the redemption of the
     Company's Series A Preferred Stock and the issuance of the
     Company's Series B Preferred Stock occurred on January 1, 2000.
     It includes the results of the Farmington Hills hotel which was
     sold on May 31, 2001.


                       RFS HOTEL INVESTORS, INC.
              CALCULATION OF PRO FORMA FFO AND EBITDA (2)
    FOR THE THREE AND NINE MONTHS ENDED SEPTEMBER 30, 2001 and 2000
                 (in thousands, except per share data)

                               Three Months Ended   Nine Months Ended
                                           Pro                 Pro
                                Actual   Forma (2)   Actual  Forma (2)
                               Sept. 30, Sept. 30, Sept. 30, Sept. 30,
                                 2001      2000       2001     2000
                              --------- ---------- --------- ---------

Funds from operations:
Net income (loss)               $ 6,554   $ 11,105 $ (14,629) $ 22,750
Minority interest in income
  (loss) of Operating
  Partnership                       594      1,131    (1,165)    2,566
Hilton lease termination                              65,496
Deferred income taxes related
  to Hilton lease termination      (708)             (25,207)
Deferred revenue                   (621)      (605)    1,115     1,074
(Gain) loss on sale of hotel
  properties                                          (1,200)    4,000
Preferred stock dividends          (781)      (781)   (2,343)   (2,343)
Depreciation                      7,376      6,740    22,253    19,833
                              --------- ---------- --------- ---------

     Funds from operations     $ 12,414   $ 17,590  $ 44,320  $ 47,880
                              ========= ========== ========= =========

Weighted average common shares,
  partnership units and
  potential dilutive shares
  outstanding                    27,722     27,100    27,528    27,142

     FFO per share               $ 0.45     $ 0.65    $ 1.61    $ 1.76

Earnings before interest,
  taxes, depreciation and
  amortization (EBITDA):
FFO                            $ 12,414   $ 17,590  $ 44,320  $ 47,880
Interest expense                  5,955      6,446    18,727    18,354
Current income taxes                           942               2,137
Amortization                        722        342     2,132     1,230
Preferred stock dividends           781        781     2,343     2,343
                              ---------  --------- --------- ---------

     Corporate EBITDA          $ 19,872   $ 26,101  $ 67,522  $ 71,944
                              ========= ========== ========= =========



                       RFS HOTEL INVESTORS, INC.
                      CONSOLIDATED BALANCE SHEETS
                 (in thousands, except per share data)

                                         Sept. 30,  Dec. 31,
                                            2001      2000
                                        ---------- ---------
                           ASSETS       (unaudited)
Investment in hotel properties, net       $620,612  $635,997
Cash and cash equivalents                    7,599     3,681
Restricted cash                              5,570     4,929
Accounts receivable                          6,169    13,041
Notes receivable                                         626
Deferred expenses, net                       6,858     6,814
Other assets                                 3,576     8,379
Deferred income taxes                       25,207
                                         ---------- ---------
             Total assets                 $675,591  $673,467
                                         ---------- ---------

                 LIABILITIES AND SHAREHOLDERS' EQUITY
Accounts payable and accrued expenses      $23,815   $12,734
Borrowings on Line of Credit                81,188    50,273
Long-term obligations                      221,519   227,158
Minority interest in Operating
  Partnership, 2,458 and 2,562
  units issued and outstanding
  at September 30, 2001 and
  December 31, 2000,
  respectively                              31,297    34,848
                                         ---------- ---------
             Total liabilities             357,819   325,013
                                         ---------- ---------

Preferred Stock, $.01 par value,
  5,000 shares authorized, 250
  shares issued and outstanding
  at September 30, 2001                     25,000
                                         ----------

Commitments and contingencies

Shareholders' equity:
  Preferred Stock, $.01 par value,
   5,000 shares authorized, 974
   shares issued and outstanding
   at December 31, 2000                                   10
  Common Stock, $.01 par value,
   100,000 shares authorized,
   25,811  and 25,088 shares
   issued at September 30, 2001
   and December 31, 2000,
   respectively                                258       251
  Additional paid-in capital               368,083   374,910
  Other comprehensive income                (3,401)
  Treasury stock, at cost, 576 shares       (8,100)   (8,100)
  Distributions in excess of earnings      (64,068)  (18,617)
                                        ----------- ---------
          Total shareholders' equity       292,772   348,454
                                        ----------- ---------
             Total liabilities,
              preferred stock
              and shareholders'
              equity                      $675,591  $673,467
                                        =========== =========


                       RFS Hotel Investors, Inc.
               COMPARABLE HOTEL OPERATING STATISTICS (1)

For the three months ended September 30, 2001

                   ADR             Occupancy             REVPAR
           ------------------- ------------------- -------------------
                      Variance            Variance           Variance
                         vs.                  vs.                vs.                            Variance vs
 Segment      2001      2000      2001       2000     2001      2000
---------- --------- --------- --------- ---------- --------- ---------
Full
 Service     $108.27      (8.3%)    66.6% (11.6 pts)  $72.10     (22.0%)
Extended
 Stay         $95.75       1.9%     78.3%  (5.1 pts)  $74.93      (4.4%)
Limited
 Service      $71.45       1.0%     70.3%  (4.1 pts)  $50.21      (4.6%)
           --------- --------- --------- ---------- -------- ---------
Total         $90.85      (3.6%)    71.1%  (7.0 pts)  $64.56     (12.3%)
           ========= ========= ========= ========== ======== =========


For the nine months ended September 30, 2001

                   ADR              Occupancy            REVPAR
           ------------------- ------------------- -------------------
                       Variance            Variance           Variance
                          vs.                 vs.                 vs.                            Variance vs
 Segment       2001      2000      2001      2000      2001      2000
---------- --------- --------- --------- --------- --------- ---------
Full
 Service     $111.23       0.6%     71.1%  (5.1 pts)  $79.04      (6.1%)
Extended
 Stay         $97.16       2.5%     81.0%  (1.1 pts)  $78.66       1.0%
Limited
 Service      $71.56       2.6%     70.2%  (0.9 pts)  $50.27       1.4%
           --------- ----------- -------- --------- --------  ---------

Total         $91.78       1.4%     73.5%  (2.3 pts)  $67.44      (1.7%)
           ========= =========== ======== ========= ========  =========



(1)   For the three months ended September 30, 2001, includes all 58
      hotels owned. For the nine months ended September 30, 2001,
      includes 56 of the 58 hotels owned. Excludes the Hilton San
      Francisco Fisherman's Wharf hotel, which underwent renovation
      and was converted from a Ramada Plaza in 2000, and the Sheraton
      Hotel in Birmingham, Alabama, which was undergoing renovation in
      2000.


                       RFS Hotel Investors, Inc.
                   RETURN ON INVESTMENT ANALYSIS (1)

                       As of September 30, 2001
                        (Amounts in thousands)

                 Total
              Investment,         EBITDA for the
                 Before             TTM ended           Return on
            Depreciation (2)    September 30, 2001     Investment
           ------------------- ------------------- -------------------

Full
 Service              $299,409              36,180                12.1%

Extended
 Stay                 $220,015              29,427                13.4%

Limited
 Service              $208,749              22,153                10.6%
           ------------------- ------------------- -------------------

Total                 $728,173              87,760                12.1%
           ------------------- ------------------- -------------------


(1)   Includes 56 of the 58 hotels owned at September 30, 2001.
      Excludes two hotels undergoing major renovations (Hilton San
      Francisco Fisherman's Wharf which was converted from a Ramada
      Plaza in 2000 and the Sheraton Hotel in Birmingham which was
      undergoing renovation in 2000.

(2)   Total investment includes original cost and all capital
      expenditures since acquisition. Also includes the costs
      associated with the Hilton lease termination of approximately
      $60 million. These costs were required to be written-off as a
      cancellation of executory contracts and therefore are not
      included on the balance sheet. However, for return on investment
      analysis, this amount is included in the total investment.



                       RFS HOTEL INVESTORS, INC.
                           OUTSTANDING DEBT
                          September 30, 2001

                     Balance        Interest Rate            Maturity
                    --------       --------------           ---------
                 (in thousands)
                                              Fixed/
Line of Credit     $ 81,188  LIBOR + 200bp  Variable (1)    July 2004
Mortgage             34,153      6.83%         Fixed       August 2008
Mortgage             25,000      7.30%         Fixed      November 2011                        Balance        Months
Mortgage             92,445      7.83%         Fixed      December 2008
Mortgage             18,345      8.22%         Fixed      November 2007                              35.1             80          2808
Mortgage             51,576      8.00%         Fixed       August 2010                                 25            119          2975
                ------------
                  $ 302,707                                                                                               18.4             71        1306.4
                ============

(1) $40.0 million carries a fixed interest rate of 6.535% plus 200
    basis points at September 30, 2001 through an interest rate swap
    maturing in July 2003. In addition, $30.0 million carries a fixed
    7.571525 interest rate of 4.775% plus 200 basis points at
    September 30, 2001 through a second interest rate swap maturing in
    July 2003.


                                        Debt Maturities
                                          (in millions)

                        2001                      $ 1.6
                        2002                        6.5
                        2003                        7.0
                        2004                       88.7
                        2005                        8.2
                     Thereafter                   190.7
                                        ----------------

                                                $ 302.7
                                        ================

    Weighted average maturity of fixed rate debt is 7.6 years.
        (Excludes $70.0 million of the Line of Credit that carries
        fixed interest rates through interest rate swaps)


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

Contact: 
     Mimi Hall Communications Inc. (for RFS)
     Mimi Hall, 901/682-1360