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Accumulated amortization associated with property and equipment under capital leases was $285 and $129 at December 31, 2000 and 1999, respectively. 

## 6. Goodwill: 

<img src='content_image/64582.jpg'>

## 7. Note Payable to Financial Institution: 

At December 31, 2000, the Company had a $65.0 million line of credit agreement, under which $48.2 million was outstanding, with $44.0 million bearing interest at a weighted average IBOR interest rate of 8.97%, $4.2 million bearing interest at 9.0% and additional borrowing capacity under the line of credit of $16.8 million. The credit agreement expires on September 30, 2002 and is without collat- eral. It bears interest at rates related to IBOR or LIBOR plus 0.65% to 2.25% (8.74% at December 31, 2000), or at prime less 0.5% (9.0% at December 31, 2000). The line of credit agreement contains the following covenants; minimum debt service ratio, maximum funded debt to earnings before interest, taxes, depreciation and amortization (“EBITDA”), minimum tangible net worth and maximum funded debt to selected balance sheet items ratio. On October 5, 2000, the Company amended its line of credit agreement to eliminate the $10.0 million bridge loan commitment and increase the total commitment of the line of credit agreement to $65.0 million. The amendment also revised the maximum funded debt to EBITDA ratio to 3.65:1.0 on September 30, 2000 and December 31, 2000, to 3.50:1.0 on March 31, 2001, and to 3.25:1.0 until September 20, 2002. At December 31, 2000, the Company was in compliance with all covenants specified in the line of credit agreement, as amended. 

## 8. Long-Term Debt: 

<img src='content_image/64577.jpg'>

The Company is required to maintain certain financial ratios under its long-term debt agreements. As of December 31, 2000, the most restrictive of these was a requirement to maintain consolidated indebtedness at or below 58% of consolidated total capitalization. At December 31, 2000, the Company was in compliance with all financial ratios specified in its long-term debt agreements. 

Future principal payments are as follows: 

<img src='content_image/64578.jpg'>

