immediately preceding the fiscal year covered by the report. The comparison required by this paragraph may
be presented in columnar form:

See the attached Prospectus pages F1-F17 and the attached Compiled Financial Report for 1999.

(11)

A brief description of the location and general character of plants, mines, and other materially important
physical properties of the registrant:See the attached Prospectus pages 1-64

(12)

A description of any material legal proceedings pending against the company:NONE

(13)

A description of all parents and subsidiaries of the registrant, and an explanation of the manner in which each
is affiliated with the registrant:NONE

(14)

The approximate number of holders of record of each outstanding class of equity securities: 85

(15)

A list in tabular form of the name and address of each officer, and any person known to the registrant who
beneficially owns ten percent or more of any class of outstanding voting securities of the registrant, showing
for each the title of the class owned, the type of ownership, the amount owned, and the percent of class
owned:See attached Prospectus page 61.

(16)

A list in tabular form of the amount of remuneration received and the capacity in which such remuneration
was received for each officer and director (in the case of officers, only those officers who received in excess
of $25,000 during this fiscal year need to be listed):See page 59 of Prospectus. No change for 1999.

(17)

A list and description of the number and exercise price of all options outstanding which are beneficially
owned by any officer or director:See page 62 of Prospectus. No change for 1999.

(18)

A description of any transactions in the last fiscal year or any currently pending transaction to which the
issuer or any of its subsidiaries was a party and in which any director, officer, ten percent shareholder, or any
affiliate had or will have a direct or indirect material interest, and a description of the nature of such interest.

See Prospectus page 60 and attached Management Supplementary GAAP notes.

(19)

Financial statements certified by an independent accountant complying with the requirements of parts
2875.0970 and 2875.0980.

See attached accountant's report.

_______________________________________
Authorized Signature

President & CEO
_______________________________________
Position