ITEM 10.        DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

    Information on the Company's directors is incorporated by reference from pages 5 and 6, "Proposal 1 - Election of Directors", in the Company's Proxy Statement to be filed with respect to the Annual Meeting of Shareholders to be held May 8, 2001.  Information on the Company's executive officers is included under the caption "Executive Officers of the Registrant" on page 8 of this report on Form 10-K.