<DOCUMENT>
<TYPE>EX-23.11
<SEQUENCE>10
<FILENAME>h83509a4ex23-11.txt
<DESCRIPTION>CONSENT OF PAZ & HOZOWITZ
<TEXT>

<PAGE>   1
                                                                   EXHIBIT 23.11

                                LAW OFFICE
                              PAZ & HOROWITZ
JORGE PAZ DURINI          WHYMPER 1105 Y ALMAGRO         DIEGO FELIX ESTUPINAN
BRUCE HOROWITZ*            P.O. BOX 17-21-1533           DAVID BENALCAZAR ROSERO
LITTLETON TAZEWELL**        QUITO - ECUADOR
ESTEBAN RIOFRIO

We hereby consent to the use of our opinion in the Joint Proxy
Statement/Prospectus.

                                                           PAZ & HOROWITZ

                                                           /s/ DIEGO FELIX E.
                                                        ----------------------
                                                        By: Diego Felix E.
                                                            Senior Attorney
April 19, 2001
</TEXT>
</DOCUMENT>