Financial Review
   

Ten-Year Selected Financial Data
Consolidated Balance Sheets
Consolidated Statements of Operations
Consolidated Statements of Changes in Stockholders' Equity
Consolidated Statements of Cash Flows
Notes to Consolidated Financial Statements
Report of Independent Public Accountants
Management Report on Financial Statements
Quarterly Financial Data
Market Prices of Common Stock and Dividends
Management's Discussion and Analysis of Financial Condition and Results of Operations