text: <html>
          <head> <meta charset="UTF-8">
          <style>
          table, th, td {
              border: 1px solid black;
              font-size: 10px;
          }
          </style> </head>
          <body>
          <table frame="hsides" rules="groups" width="100%%">
              [html]<thead><tr><td></td><td>Report of Independent Auditors</td></tr></thead><tbody><tr><td></td><td>Report of Independent Public Accountants</td></tr><tr><td></td><td>Management ’ s Report on Responsibility for the Financial Statements</td></tr><tr><td></td><td>Consolidated Balance Sheets as of December 31.2002 and 2001</td></tr><tr><td></td><td>Consolidated Statements of Earnings for the years cended December 31.2002.2001 and 2000</td></tr><tr><td></td><td>Consolidated Statements of Comprehensive Earnings for the years ended December 31.2002.2001 and 2000</td></tr><tr><td></td><td>Consolidated Statements of Shareholders ’ Equity for the years ended December 31.2002.2001 and 2000</td></tr><tr><td></td><td>Consolidated Statements of Cash Flows for the years ended December 31.2002.2001 and 2000</td></tr><tr><td></td><td>Notes to the Consolidated Financial Statements</td></tr><tr><td>( 2 )</td><td>Financial Statement Schedules</td></tr><tr><td></td><td>These schedules have been omitted because they are not required, are not applicable or have been included in our consolidated financial statements.</td></tr><tr><td>( 3 )</td><td>Exhibits</td></tr><tr><td></td><td>The information required by this hem 15 ( a )( 3 ) is set forth in the Exhibit Index immediately following our financial statements. The exhibits listed herein will be fumished upon written</td></tr></tbody>
          </table> </body> </html>