ITEM 2. PROPERTIES. See "Properties" on Page 53
ITEM 3.
ITEM 3. LEGAL PROCEEDINGS. From time to time the Company is a participant in various legal proceedings incidental to its business. In the opinion of management, the liabilities (if any) resulting from such legal proceeding will not have a material effect on the financial position of the Company.
ITEM 4.
ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS. No matter was submitted to a vote of the security holders of the Company during the fourth quarter of 2002.
PART II ITEM 5.
ITEM 6. SELECTED FINANCIAL DATA. See "Five Year Financial Summary" on Page 3.
ITEM 7.
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATION. See "Management's Discussion and Analysis of Financial Condition and Results of Operation" on Pages 4 through 18.
ITEM 7A.
ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK. See "Asset/Liability Management and Quantitative and Qualitative Disclosures About Market Risk" on Page 8.
ITEM 8.
ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA. See Consolidated Financial Statements at Pages 20 through 43.
ITEM 9.
ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE. None.
PART III ITEM 10.
ITEM 11. EXECUTIVE COMPENSATION. The information required by Item 11 is hereby incorporated herein by reference from the material under the caption "Executive Officer Compensation and Certain Transactions," contained on pages 7 through 13 of the Company's Proxy Statement for the Annual Meeting of Stockholders to be held on April 30, 2003.
ITEM 12.
ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT. The information required by Item 12 is hereby incorporated herein by reference from the material under the captions "Voting Securities and Principal Holders Thereof" contained on pages 3 and 4 of the Company's Proxy Statement for the Annual Meeting of Stockholders to be held on April 30, 2003, and under the caption "Securities Authorized for Issuance Under Equity Compensation Plans" at page 10 of the Proxy Statement.
ITEM 13.
ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS. The information required by Item 13 is hereby incorporated herein by reference from the material under the caption "Transactions with Management and Others" contained on page 11 of the Company's Proxy Statement for the Annual Meeting of Stockholders to be held on April 30, 2003.
ITEM 14.
ITEM 14. CONTROLS AND PROCEDURES. See "Controls and Procedures" at Page 53.
PART IV ITEM 15.