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TABLE OF CONTENTS


PART I....................................................................... 2
Item 1. and Item 2. Business and Properties................................ 2
Item 3. Legal Proceedings.................................................. 22
Item 4. Submission of Matters to a Vote of Security Holders................ 22
Executive Officers of the Registrant....................................... 22
PART II...................................................................... 23
Item 5. Market for Registrant's Common Stock and Related Shareholder
Matters.................................................................
23
Item 6. Selected Financial Data............................................ 23
Item 7. Management's Discussion and Analysis of Financial Condition and
Results of Operations...................................................
26
Item 7A. Qualitative and Quantitative Disclosures About Market Risk........ 36
Item 8. Financial Statements and Supplementary Data........................ 37
Item 9. Changes In and Disagreements With Accountants on Accounting
and Financial Disclosure................................................
37
PART III..................................................................... 37
Item 10. Directors and Executive Officers of the Registrant................ 37
Item 11. Executive Compensation............................................ 37
Item 12. Security Ownership of Certain Beneficial Owners and Management
and Related Shareholder Matters..........................................
37
Item 13. Certain Relationships and Related Party Transactions.............. 38
Item 14. Controls and Procedures........................................... 38
PART IV...................................................................... 38
Item 15. Exhibits, Financial Statement Schedules and Reports on Form 8-K... 38