As you enter the parking lot, you notice rows of rental scooters awaiting passengers. Gardeners are working fervently on the lawns and the guests leaving the lobby are smiling.

Once inside the main building, something strikes you as different. Wait a minute -- that's it -- the music. There is no typical Muzak selection filtering through the lobby here. Instead contemporary music fills the air.

This is Harmony Club and it is unique in more ways than just its background music selection, as president William Griffith is quick to note.

"Harmony Club is the only hotel on the Island that is fully all-inclusive. We are also the only hotel on the Island that doesn't take kids.

"Adults only, double occupancy only and we only charge one price.'' Included in that one price are airport transfers to and from the Paget property, four meals a day on-site, open bar service from 11 a.m. to 11 p.m., green fees for golf at the Belmont Hotel, live entertainment, rental cycle usage and all gratuities and taxes.

Beside the basic package there are also other packages designed for golfers and honeymooners.

Although year-round rates at the property are "considered extremely good value'', said Mr. Griffith, this year the hotel is celebrating its tenth anniversary so rates are being slashed by some ten percent.

Forte Hotels created the Harmony Club concept about ten years ago in an attempt to develop a niche for the property which was "pretty and charming'' but had no beach.

Mr. Griffith and three others purchased the hotel from Granada -- who took over Forte -- in September, 1996. Some 25 percent of the hotel's business comes from the UK, which along with Canada are the growing all-inclusive markets.

The all-inclusive resort is not a new idea. They have been present in the Caribbean -- Sandals and Couples are two of the major chains -- for a number of years.

"At least 40 percent of Caribbean resort hotels are all-inclusive,'' noted Mr. Griffith.

And the reason why the concept's customer base has grown is because there are no add-ons.

He said: "Customers are more comfortable when they know what their vacation is going to cost. They can be comfortable with their budget for their holiday.'' It is the same idea behind the cruise business, he noted, although cruisers have to pay for their drinks.

However there are major differences between the Harmony Club and all-inclusive resorts further South, stressed Mr. Griffith.

"The major difference in the one concept in Jamaica, etcetera and the one here in Bermuda is that the concept started there for security reasons.

"Because of their concerns about crime, they had to create a full list of activities to keep people in the resort.

"The difference with the Harmony Club is that the package is done for convenience. Bermuda is clean and safe so we don't have lots of organised activity on site like a Sandals.

"We encourage our guests to use the full extent of the Island.'' IN HARMONY -- Harmony Club president and part-owner William Griffith.