text: 15. STOCK OPTION PLAN: 
  
  The Company has an incentive stock plan to provide for the granting of options to senior management of the 
  Company at prices not less than market at the date of grant. At December 31, 2002, the Company had allocated 
  740,690 shares of stock for issuance under the plan. The plan provides that options granted are exercisable after two 
  years from date of grant at a rate of 20% each year cumulatively during the 10-year term of the option. An analysis 
  of stock option activity for the years ended December 31, 2002, 2001, and 2000, is presented in the table and 
  narrative below: 
  
   2002 
  Wtd. Avg. 
   Ex. Price   2001 2000 
  Wtd. Avg. 
   Ex. Price  Wtd. Avg. 
   Ex. Price   Shares   Shares   Shares 
  
   Outstanding, beginning of year 
   Granted 
   Exercised 
   Canceled 
  
  150,057 
  
  $21.60 
  30.50 
  18.52 
   23.48  174,959 
  3,700 
  (24,480) 
   (4,122)  $20.51 
  29.82 
  14.57 
   24.95  2,000 
  (30,949) 
   (6,828) 