11	Shareholders’ Equity

Changes in certain components of shareholders’ equity were as follows:

	Series B, ESOP Preferred Stock			Common Stock Issued at			Capital in Excess of			Retained			Unearned ESOP			Deferred			Treasury Stock
	Issued			Par Value			Par Value			Earnings			Compensation			Compensation			Shares			Amount
Balance at October 1, 2000	$	43,570		$	332,662		$	75,075		$	2,835,908		$	(16,155	)	$	6,490			(79,165,708	)	$	(980,163	)
Restatement (see Note 2)											(7,116	)
Balance at October 1, 2000 (restated)		43,570			332,662			75,075			2,828,792			(16,155	)		6,490			(79,165,708	)		(980,163	)
Net income											401,652
Cash dividends:
Common ($.38 per share)											(97,897	)
Preferred ($3.835 per share),
net of tax benefits											(2,359	)
Common stock issued for:
Employee stock plans, net								72,745												5,423,069			40,564
Business acquisitions								215												3,630			28
Common stock held in trusts																	606			(16,346	)		(606	)
Reduction in unearned ESOP
compensation for the year														4,154
Adjustment for redemption provisions		(3,042	)					655												329,877			2,387
Balance at September 30, 2001		40,528			332,662			148,690			3,130,188			(12,001	)		7,096			(73,425,478	)		(937,790	)
Net income											479,982
Cash dividends:
Common ($.39 per share)											(100,521	)
Preferred ($3.835 per share),
net of tax benefits											(2,300	)
Common stock issued for:
Employee stock plans, net								35,679												2,634,109			23,497
Business acquisitions								198												4,767			43
Common stock held in trusts																	1,400			(42,141	)		(1,400	)
Reduction in unearned ESOP
compensation for the year														4,154
Repurchase of common stock																				(6,607,800	)		(223,961	)
Adjustment for redemption provisions		(2,583	)					555												304,295			2,028
Balance at September 30, 2002		37,945			332,662			185,122			3,507,349			(7,847	)		8,496			(77,132,248	)		(1,137,583	)
Net income											547,056
Cash dividends:
Common ($.40 per share)											(101,612	)
Preferred ($3.835 per share),
net of tax benefits											(2,201	)
Common stock issued for:
Employee stock plans, net								71,206												5,048,394			45,841
Business acquisitions											97									2,487
Common stock held in trusts																	478			(18,440	)		(478	)
Reduction in unearned ESOP
compensation for the year														4,154
Repurchase of common stock																				(9,784,200	)		(349,998	)
Adjustment for redemption provisions		(3,497	)					753												355,125			2,284
Balance at September 30, 2003	$	34,448		$	332,662		$	257,178		$	3,950,592		$	(3,693	)	$	8,974			(81,528,882	)	$	(1,439,934	)

     Common stock held in trusts represents rabbi trusts in connection with the Company’s employee salary and bonus deferral plan and Directors’ deferral plan.

Preferred Stock Purchase Rights

In accordance with the Company’s shareholder rights plan, each certificate representing a share of outstanding common stock of the Company also represents one Preferred Stock Purchase Right (a “Right”). Each whole Right entitles the registered holder to purchase from the Company one eight-hundredths of a share of Preferred Stock, Series A, par value $1.00 per share, at a price of $67.50. The Rights will not become exercisable unless and until, among other things, a third party acquires 15% or more of the Company’s outstanding common stock. The Rights are redeemable under certain circumstances at $.01 per Right and will expire, unless earlier redeemed, on April 25, 2006. There are 500,000 shares of preferred stock designated Series A, none of which has been issued.