TABLE OF CONTENTS

 

 
  PART I............................................................................................................ 2  
    Item 1. and Item 2. Business and Properties............................................... 2  
    Item 3. Legal Proceedings............................................................................ 24  
    Item 4. Submission of Matters to a Vote of Security Holders................... 24  
    Executive Officers of the Registrant........................................................... 24  
  PART II........................................................................................................ 25  
    Item 5. Market for Registrant's Common Stock, Related Shareholder    
       Matters and Issuer Purchases of Equity Securities................................. 25  
    Item 6. Selected Financial Data.................................................................. 27  
    Item 7. Management's Discussion and Analysis of Financial Condition    
       and Results of Operations....................................................................... 28  
    Item 7A. Qualitative and Quantitative Disclosures About Market Risk.... 51  
    Item 8. Financial Statements and Supplementary Data............................... 51  
    Item 9. Changes In and Disagreements With Accountants on Accounting    
       and Financial Disclosure............................................................................. 51  
    Item 9A. Controls and Procedures................................................................ 51  
    Item 9B. Other Information........................................................................... 52  
  PART III......................................................................................................... 52  
    Item 10. Directors and Executive Officers of the Registrant......................... 52  
    Item 11. Executive Compensation................................................................ 52  
    Item 12. Security Ownership of Certain Beneficial Owners and Management    
       and Related Shareholder Matters............................................................... 52  
    Item 13. Certain Relationships and Related Transactions............................ 52  
    Item 14. Principal Accountant Fees and Services......................................... 52  
  PART IV........................................................................................................ 52  
    Item 15. Exhibits and Financial Statement Schedules.................................... 52