text: The increases in software license fees from 1999 to 2000 can be attributed to an increased number of software sales contracts signed in 2000 as 
  c o m p a red to 1999, primarily in the first half of the year 2000. Sales of the Company’s core software products have dropped off substantially in 
  the third and fourth quarter of 2000 and are expected to be soft again during 2001. The Company believes that revenues of the Software 
  Solutions Segment will increasingly be derived from the Company’s new set of software solutions, including its wireless banking solutions. 
  The decreases in professional service fees from 1999 to 2000 can be attributed to increased efficiency in the installation of software. 
  
  **Software Sales Backlog**The Company defines “software sales backlog” as fees specified in contracts which have been executed by the 
  Company and for which the Company expects recognition of the related revenue within one year. At December 31, 2000 the revenue backlog was 
  $3.5 million, as compared to December 31, 1999 the revenue backlog was $3.1 million. The increase in backlog from December 31, 1999 re s u l t s 
  principally from growth in software sales. It is management’s intention to continue to focus on expediting delivery and implementation of software 
  in an eff o rt to reduce backlog while continuing sales growth. 