Table of Contents Message to Shareholders..................................... 2 Affiliate Management....................................... 10 Board of Directors............................................ 11 Corporate Information/Market Area .................. 12 Independent Auditors’ Report ........................... 13 Consolidated Financial Statements .................... 14 Notes to Consolidated Financial Statements ....... 18 Quarterly Summary of Financial Data ................ 38 Selected Financial Data .................................... 39 Management’s Discussion and Analysis of  Financial Condition and Results of Operations .... 40 Common Stock Information.............................. 55 Shareholder Information .................................. 56