2 ............................................................................... Message to the Shareholders 

11 ........................................................................................ Affiliate Management 

12 ............................................................................................. Board of Directors 

14 ............................................................ Corporate Information/Market Area 

15 ................................................................... Independent Auditor’s Report 

16 ...................................................... Consolidated Financial Statements 

20 .................................. Notes to Consolidated Financial Statements 

38 ....................................... Quarterly Summary of Financial Data 

39 ...................................................... Selected Financial Data 

40 .............. Management’s Discussion and Analysis of Financial Condition and Results of Operations 

54 ...................... Common Stock Information 

Inside Back Cover ......... Shareholder Information 

t $^{o}$t h e c o m $^{m}$u n iti es that we se rv e . 

