ITEM 2. PROPERTIES. See "Properties" at Page 59.
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 2004.
PART II ITEM 5.
ITEM 6. SELECTED FINANCIAL DATA. See "Five Year Financial Summary" at 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" at Pages 4 through 20.
ITEM 7A.
ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK. See "Asset/Liability Management and Quantitative and Qualitative Disclosures About Market Risk" at Page 9.
ITEM 8.
ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA. See Consolidated Financial Statements at Pages 22 through 49.
ITEM 9.
ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE. None.
ITEM 9A.
ITEM 9A. CONTROLS AND PROCEDURES. See "Controls and Procedures" and "Management Report on Internal Control Over Financial Reporting" at page 60.
ITEM 9B.
ITEM 9B. OTHER INFORMATION. None
PART III ITEM 10.
ITEM 11. EXECUTIVE COMPENSATION. The information required by Item 11 is incorporated by reference from the material under the caption "Executive Officer Compensation and Certain Transactions," contained at pages 8 through 13 of the Proxy Statement.
ITEM 12.
ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS. The information required by Item 12 is incorporated by reference from the material under the captions "Voting Securities and Principal Holders Thereof" contained at Page 3 of the Proxy Statement, and included under the caption "Securities Authorized for Issuance Under Equity Compensation Plans" at page 21 hereof.
ITEM 13.
ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS. The information required by Item 13 is incorporated by reference from the material under the caption "Transactions with Management and Others" contained at page 11 of the Proxy Statement.
ITEM 14.
ITEM 14. PRINCIPAL ACCOUNTANT FEES AND SERVICES. The information required by Item 14 is incorporated by reference from the material under the caption "Independent Registered Public Accounting Firm" contained at page 14 of the Proxy Statement.
PART IV ITEM 15.