ARTICLES OF INCORPORATION
                                       OF
                             PADCO ADVISORS II, INC.

     The undersigned subscriber to these Articles of Incorporation, being
eighteen (18) years or older, hereby presents these Articles to the State
Department of Assessments and Taxation with the intention of forming a
corporation under and by virtue of the General Laws of the State of Maryland
authorizing the formation of corporations.

                                    Article I
                                      NAME

     The name of this Corporation is PADCO Advisors II, Inc. (hereinafter, the
"Corporation").

                                    Article II
                               NATURE OF BUSINESS

     The purposes for which the Corporation is formed are:

     To conduct and carry on the business of an investment advisor.

     To engage in the business of advising others, either directly or through
publications or writings, as to the value of securities or as to the
advisability of investing in, purchasing, or selling securities.

     To issue or promulgate analyses or reports concerning securities or other
investments.

     To hold, invest, and reinvest its assets in securities, and in connection
therewith to hold part or all of its assets in cash.

     To manufacture, produce, acquire, own, and to sell or otherwise dispose of
any and all types of goods, other personal property, real property wherever
located, tangible and intangible property, and otherwise to acquire, own,
operate, lease, and deal in or with real and personal property wherever located,
tangible and intangible property, securities, and investments of every kind,
nature, and description, and to provide management and other services for
individuals, sole proprietorships, partnerships, and corporations engaged in any
type of business, profession, or enterprise in any state or territory of the
United States or in any foreign country as the case may be, in which this
Corporation may then be doing or performing any of the aforesaid matters.

     To conduct the business mentioned within and without the State of Maryland,
and to buy, own, mortgage, grant, bargain, sell, and convey real and personal
property, necessary or convenient for carrying on business of the nature
specified herein.

     To do each and every thing necessary, suitable, or proper for the
accomplishment of any of the purposes or the attainment of any one or more of
the objects therein enumerated, or which shall at any time appear conducive to
or expedient for the protection or benefit of this Corporation.

     To acquire, and pay for in cash, stock or bonds, of this Corporation or
otherwise, the good will, rights, assets, and property, and to undertake or
assume the whole or any part of the obligations or liabilities of any person,
firm, association, or corporation.


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     To acquire, hold, use, sell, assign, lease, grant licenses in respect of,
mortgage, or otherwise dispose of licenses, and privileges, inventions,
improvements, and processes, copyrights, trademarks and trade names, relating to
or useful in connection with any business of this Corporation.

     To do all and everything necessary, suitable, incidental, relative,
conducive, and proper for the accomplishment of any of the purposes or the
attainment of any of the objects or the furtherance of any of the powers herein
before set forth, either alone or in association with other corporations, firms,
or individuals, and to do every other act or acts, thing or things incidental or
appurtenant to or growing out of or connected with the aforesaid objects or
purposes or any part or parts thereof, provided the same be not inconsistent
with the laws under which this Corporation is organized.

     The foregoing objects and purposes, except when otherwise specified, in no
way shall be limited or restricted by reference to or inference from the terms
of any other clause of this or any other article of these Articles of
Incorporation or of any amendment thereto, and shall each be regarded as
independent, and construed as powers as well as objects and purposes.

     The Corporation shall be authorized to exercise and enjoy all of the
powers, rights, and privileges granted to, or conferred upon, corporations of a
similar character by the General Laws of the State of Maryland now or hereafter
in force, and the enumeration of the foregoing powers shall not be deemed to
exclude any powers, rights, or privileges so granted or conferred.

                                   Article III
                       PRINCIPAL OFFICE OF THE CORPORATION

     The post office address of the principal office of the Corporation in the
State of Maryland is: 4641 Montgomery Avenue, Suite 400, Bethesda, Maryland
20814.

                                   Article IV
                           RESIDENT AGENT AND ADDRESS

     The name of the resident agent and the address of the agent are:

                              Albert P. Viragh, Jr.
                                10446 Nolan Drive
                               Rockville, MD 20850

Said resident agent is a resident of the State of Maryland.

                                    Article V
                                 CAPITAL STOCK

     The maximum number of shares of capital stock that the Corporation is
authorized to issue is one hundred (100) shares of Common Stock having a par
value of One Cent ($.01) per share, such Common Stock being all of one class and
bearing one vote per share, which vote shall be noncumulative. No holder of
common stock of the Corporation (hereinafter, "Stockholder") shall have a
preemptive right to acquire any shares of stock of the Corporation.


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     The shares of capital stock of the Corporation, when issued, will be fully
paid and non-assessable and have no preference, preemptive, conversion,
exchange, or similar rights.

     The board of directors of the Corporation (hereinafter, the "Board of
Directors") from time to time may declare and pay dividends or distributions, in
stock or in cash, on any or all classes of stock of the Corporation, the amount
of such dividends and distributions and the payment of such dividends and
distributions being wholly in the discretion of the Board of Directors.
Dividends or distributions on shares on any class of stock of the Corporation
shall be paid only out of earned surplus or other lawfully available assets
belonging to such class.

                                   Article VI
                                    DIRECTORS

     The number of Directors constituting the Board of Directors is two (2),
which number may be increased or decreased by the By-Laws of the Corporation.
The names and post office addresses of the persons who are to serve as the
Directors until the first annual meeting of the Stockholders and until their
successors are elected and shall qualify are:

                                  Skip Viragh
                       4641 Montgomery Avenue, Suite 400
                            Bethesda, Maryland 20814

                                Amanda C. Viragh
                       4641 Montgomery Avenue, Suite 400
                            Bethesda, Maryland 20814

                                   Article VII
                           ADDITIONAL CORPORATE POWERS

     In furtherance and not in limitation of the general powers conferred by the
laws of the State of Maryland and of the purposes and objects herein above
stated, this Corporation shall have all and singular the following powers:

     This Corporation shall have the power to enter into, or become a partner
in, any arrangement for sharing profits, union of interest, or cooperation,
joint venture, or otherwise, with any person, firm, or corporation, joint
venture, or otherwise, with any person, firm, or corporation, to carry on any
business which this Corporation has the direct or incidental authority to
pursue.

     This Corporation shall have the power to deny to the holders of the Common
Stock of this Corporation any preemptive right to purchase or subscribe to any
new issues of any type of stock of this Corporation, and no Stockholder shall
have any preemptive right to subscribe to any such stock.

     The Board of Directors of this Corporation is hereby empowered to authorize
the issuance from time to time of shares of its stock of any class; whether now
or hereafter authorized, and securities convertible into shares of its stock of
any class, whether now or hereafter authorized, for such consideration as said
Board of Directors may deem advisable, subject to such restrictions or
limitations, if any, as may be set forth in the By-Laws of the Corporation.


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                                  Article VIII
                                    AMENDMENT

     These Articles of Incorporation may be amended in the manner provided by
law. Every amendment (including an amendment or amendments changing the terms of
any of the outstanding stock by classification, reclassification, or otherwise)
shall be approved by the Board of Directors, proposed by the Board of Directors
to the Stockholders, and approved at a Stockholders' meeting by the affirmative
vote of two-thirds (2/3) of all the stock entitled to vote thereon; or,
alternatively, all of the Directors and all of the Stockholders shall sign a
written statement manifesting their intention that a certain amendment of these
Articles of Incorporation be made. All rights of Stockholders are subject to
this reservation.

                                   Article IX
                                 INDEMNIFICATION

     Each director and officer or former director or officer of the Corporation,
or any person who may have served at the request of the Corporation as a
director or officer of another corporation in which this Corporation owns shares
of capital stock or of which it is a creditor, including in each case their
respective executors and administrators, shall be indemnified by the Corporation
against liabilities, fines, penalties, and claims imposed upon or asserted
against him, including amounts paid in settlement, by reason of having been such
a director or officer, whether or not then continuing so to be, and against all
expenses, including counsel fees, reasonably incurred by him in connection
therewith, unless it is proven that:

     (i) the act or omission of the director or officer was material to the
cause of action adjudicated in the proceeding; and

               (a) was committed in bad faith; or

               (b) was the result of active and deliberate dishonesty; or

     (ii) the director or officer actually received an improper personal benefit
in money, property, or services; or

     (iii) in the case of any criminal proceeding, the director or officer had
no reasonable cause to believe that the act or omission was lawful.

     Indemnification may be against judgments, penalties, fines, settlements,
and reasonable expenses actually incurred by the director or officer in
connection with any proceeding. However, if the proceeding was one by or in the
right of the Corporation, indemnification may not be made in respect of any
proceeding in which the director shall have been adjudged to be liable to the
Corporation.

     Authorization of indemnification, determination that indemnification is
permissible, and all evaluations as to reasonableness shall be made:

     (i)  by the Board of Directors, by a majority vote of a quorum consisting
          of directors not at the time parties to the proceeding;

     (ii) if a quorum cannot be obtained, by majority vote of a committee duly
          designated by the Board of Directors (in which designation directors
          who are parties may participate), consisting solely of two (2) or more
          directors not at the time parties to the proceeding; or


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     (iii) by the Stockholders, but shares owned by or voted under the control
          of directors who at the time are parties to the proceeding may not be
          voted on the authorization, determination, or evaluation.

     The right of indemnification hereby provided shall be in addition to any
other rights to which any director or officer may be entitled and shall be such
that each director and each officer of the Corporation shall be indemnified by
the Corporation to the fullest extent and in the manner provided by the General
Corporation Law of the State of Maryland, the Investment Company Act of 1940, as
amended, and the Investment Advisers Act of 1940, as amended, if applicable.

                                   Article IX
                               PERPETUAL EXISTENCE

               The duration of the Corporation shall be perpetual.

                                   * * * * * *

     I, Timothy P. Hagan , whose post office address is 4641 Montgomery Avenue,
Suite 400, Bethesda, Maryland, 20814, hereby acknowledge on behalf of the
Corporation that the foregoing Articles of Incorporation is the corporate act of
the Corporation and further certify under the penalties of perjury to the best
of my knowledge, information, and belief, the matters and facts set forth in the
Articles are true in all material respects.

     IN WITNESS WHEREOF, I have signed these Articles of Incorporation on this 1
day of July, 1994, and acknowledged the same to be my act.


                                                /s/ Timothy P. Hagan
                                                --------------------------------
                                                Timothy P. Hagan
                                                Incorporator


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