text: Our business does not depend on any single customer or any few customers, the loss of any one of which would 
  have a materially adverse effect upon our business. Although we have a broad base of customers that are not related 
  to us, our customers also occasionally include our officers and directors, as well as other entities with which we are 
  affiliated. With our subsidiary banks we may make loans to officers and directors, and entities with which we are 
  affiliated, in the ordinary course of business. We make these loans on substantially the same terms, including 
  interest rates and collateral, as those prevailing at the time for comparable transactions with other persons. Loans to 
  directors, officers and their affiliates are also subject to numerous restrictions under federal and state banking laws 
  which we describe in greater detail below. 
  
  **Employees**
  
  With our subsidiary banks we employed approximately 750 full-time equivalent employees at February 1, 2003. 
  Our management believes that our employee relations have been and will continue to be good. 
  
  **Supervision and Regulation**
  
  Both federal and state laws extensively regulate bank holding companies, financial holding companies and 
  banks. These laws (and the regulations promulgated thereunder) are primarily intended to protect depositors and the 
  deposit insurance fund of the Federal Deposit Insurance Corporation, or FDIC, although shareholders may also 
  benefit. The following information describes particular laws and regulatory provisions relating to financial holding 
  companies and banks. This discussion is qualified in its entirety by reference to the particular laws and regulatory 
  provisions. A change in any of these laws or regulations may have a material effect on our business and the 
  business of our subsidiary banks. 