Midlanders need a quiet place to go after the symphony or theater where they can talk and have a glass of beer or wine," said Mrs. Dunham, an accountant.

"Come enjoy our tropical atmosphere with overstuffed furniture and a humidor where the cigars are kept." Notwithstanding the men's club decor, cigar bars have long since surrendered their "men only" status because cigar makers like Perdomo, Victor Sinclair, Cohiba, Arturo Fuente, Padron, CAO, Punch and Excalibur have an increasing number of women afficiandos, including Mrs. Dunham.

"Cigar Frogs compliments the restaurants we have downtown and stay open until midnight Monday through Saturday," she said. "We've bought a $30,000 state-of-the-art ventilation system and a player piano to complement the local musicians who will play piano and acoustic guitars."