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 .