SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

____________________

FORM 10-QSB

QUARTERLY REPORT UNDER SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended March 31, 2003
Commission File No. 333-71773

HORIZON BANCORPORATION, INC.
(Exact name of small business issuer as specified in its charter)

|Florida
(State of Incorporation) | 65-0840565
(I.R.S. Employer Identification No.)
|-------------------------------- | -----------------------------------------------

900 53rd Avenue East, Bradenton, Florida 34203(Address of Principal Executive Offices)

(941) 753-2265(Issuer's Telephone Number, Including Area Code)

N/A(Former Name, Former Address and Former Fiscal Year, if Changed Since Last Report)

Check whether the issuer (1) filed all reports required to be filed by section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the issuer was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes XNo ___

APPLICABLE ONLY TO CORPORATE ISSUERS: Indicate the number of shares outstanding of each of the issuer's classes of common equity as of the latest practicable date.

Common stock, par value $.01 per share, 1,147,410 shares issued and outstanding as of May 9, 2003.

PART I - FINANCIAL INFORMATION

Item 1. Financial Statements

Horizon Bancorporation, Inc.
Bradenton, Florida
Balance Sheets

|ASSETS                                                                                                                             | (Unaudited)
March 31,2003                                | December 31,2002                                        
|---------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------- | --------------------------------------------------------
|Cash and due from banks
Federal funds sold
Total cash and cash equivalents                                                         | $3,545,734
_2,297,000
5,842,734                          | $1,832,187
_2,737,000
4,589,187                         
|Securities:                                                                                                                        |                                                          |                                                         
|Securities available for sale, at fair value 
Loans, net
Property and equipment, net
Other assets
	Total Assets                    | 9,170,246
58,394,540
1,834,438
__987,677
76,229,635      | 9,958,547
55,908,210
1,843,293
__772,713
73,071,950     
|LIABILITIES AND STOCKHOLDERS' EQUITY                                                                                              
|Liabilities:
Non-interest bearing deposits
Interest bearing deposits
Total deposits
Borrowings
Other liabilities
Total Liabilities | 7,624,68763,767,656
71,392,343
456,271147,387
71,996,001 | 5,978,43362,283,753
68,262,186
439,898108,623
68,810,707
|Commitments and contingencies                                                                                                      |                                                          |                                                         
|Stockholders' Equity:
Common stock, $.01 par value, 25,000,000 shares authorized, 1,147,410 shares issued and outstanding          | 11,474                                                   | 11,474                                                  
|Paid-in-capital                                                                                                                    | 5,999,596                                                | 5,999,596                                               
|Retained (deficit)                                                                                                                 | (1,769,163)                                              | (1,782,633)                                             
|Accumulated other comprehensive income                                                                                             | (8,273)                                                  | 32,806                                                  
|Total Stockholders' Equity                                                                                                         | 4,233,634                                                | 4,261,243                                               
|Total Liabilities and Stockholders' Equity                                                                                         | $76,229,635                                              | $73,071,950                                             

Refer to notes to the consolidated financial statements.

Horizon Bancorporation, Inc.
Bradenton, Florida
Statement of Income (Unaudited)

|                                                                                                                                                                                                                          | For the three monthsended March 31,                                    
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -----------------------------------------------------------------------
|                                                                                                                                                                                                                          | 2003                                                                   
|Interest and fees on loans and investments                                                                                                                                                                                | $1,174,093                                                             
|Interest expense                                                                                                                                                                                                          | 466,724                                                                
|Net interest income                                                                                                                                                                                                       | $707,369                                                               
|Provision for loan losses                                                                                                                                                                                                 | 44,249                                                                 
|Net interest income after provision for loan losses                                                                                                                                                                       | $663,120                                                               
|Other income:                                                                                                                                                                                                             |                                                                        
|Service fees on deposit accounts                                                                                                                                                                                          | $35,739                                                                
|Other income                                                                                                                                                                                                              | 1,761                                                                  
|Total other income                                                                                                                                                                                                        | $37,500                                                                
|Operating expenses:
Salaries 
Employee benefits
Depreciation and amortization
Data Processing
Legal and professional
Rent
Regulatory assessments
Insurance expense
Advertising & promotional
Miscellaneous other expenses | $251,335
68,913
41,454
64,825
50,718
24,569
21,552
12,677
20,562130,545
|Total operating expenses                                                                                                                                                                                                  | $687,150                                                               
|Net (loss) before taxes                                                                                                                                                                                                   | $13,470                                                                
|Income taxes                                                                                                                                                                                                              | - -                                                                    
|Net (loss)                                                                                                                                                                                                                | $13,470                                                                
|Basic (loss) per share                                                                                                                                                                                                    | $ .01                                                                  
|Diluted (loss) per share                                                                                                                                                                                                  | $ .01                                                                  

Refer to notes to the consolidated financial statements.



HORIZON BANCORPORATION, INC.Bradenton, Florida
Consolidated Statements of Cash Flows (Unaudited)

|                                                                               | For the three monthsended March 31,
|------------------------------------------------------------------------------ | -----------------------------------
|                                                                               | 2003                               
|Cash flows used by operating activities                                        | $(118,134)                         
|Cash flows from investing activities:
Increase in loans, net                   | (2,530,579)                        
|Securities available for sale:
Purchases
Maturities and pay downs              | (1,010,900)
1,805,201              
|Securities held-to-maturity:
Maturities and pay-downs
Purchase of fixed assets | (38,571)                           
|Net cash used by investing activities                                          | $(1,774,849)                       
|Cash flows from financing activities:                                          |                                    
|Increase in borrowings
Increase in deposits                                    | 16,3733,130,157                    
|Net cash provided by financing activities                                      | 3,146,530                          
|Net (decrease) in cash and cash equivalents                                    | 1,253,547                          
|Cash and cash equivalents, beginning of period                                 | 4,589,187                          
|Cash and cash equivalents, end of period                                       | $5,842,734                         



Refer to notes to the consolidated financial statements.



Horizon Bancorporation, Inc.
Bradenton, Florida
Consolidated Statements of Changes in Shareholders' Equity (Unaudited)
for the three-month periods ended March 31, 2002 and 2003



|                                                                                                              | Common Stock | Paid inCapital | RetainedEarnings | Accumulated
Other
ComprehensiveIncome |                  
|------------------------------------------------------------------------------------------------------------- | ------------ | -------------- | ---------------- | ------------------------------------- | -----------------
|                                                                                                              | Shares       | Par Value      | Total           
|Balance, December 31, 2001                                                                                    | 1,146,077    | $11,461        | $5,992,278       | $(1,906,244)                          | $(35,626)        
|Comprehensive Income:
Net income (loss),
three-month period 
ended March 31, 2002                             | - -          | - -            | - -              | (49,484)                              | - -              
|Net unrealized gains on securities, three-month period ended March 31, 2002
Total comprehensive income        | - -
- -      | - -
- -        | - -
- -          | - -
(49,484)                          | (65,768)
(65,768)
|Balance,
March 31, 2002                                                                                       | 1,146,077    | $ 11,461       | $5,992,278       | $(1,955,728)                          | $(101,394)       
|Balance, December 31, 2002                                                                                    | 1,147,410    | $11,474        | $5,999,596       | $(1,782,633)                          | $32,806          
|Comprehensive Income:Net income, three-month period ended March 31, 2003                                      | - -          | - -            | - -              | 13,470                                | - -              
|Net unrealized gains on securities, three-month period ended March 31, 2003
Total comprehensive income/(loss) | - -
- -      | - -
- -        | - -
- -          | - -
13,470                            | (41,079)
(41,079)
|Balance, March 31, 2003                                                                                       | 1,147,410    | $ 11,474       | $5,999,596       | $(1,769,163)                          | $(8,273)         



Refer to notes to the consolidated financial statements.



Horizon Bancorporation, Inc.
Notes to Consolidated Financial Statements (Unaudited)
March 31, 2003

Note 1 - Basis of Presentation

The accompanying financial statements have been prepared in accordance with generally accepted accounting principles for interim financial information and with the instructions to Form 10-QSB. Accordingly, they do not include all the information and footnotes required by generally accepted accounting principles for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the three-month period ended March 31, 2003 are not necessarily indicative of the results that may be expected for the year ending December 31, 2003. These statements should be read in conjunction with the consolidated financial statements and footnotes thereto included in Form 10-KSB for the year ended December 31, 2002.

Note 2 - Summary of Organization

Horizon Bancorporation, Inc., Bradenton, Florida (the "Company"), is a one-bank holding company with respect to Horizon Bank, Bradenton, Florida (the "Bank"). The Company commenced banking operations on October 25, 1999 when the Bank commenced operations. The Bank is primarily engaged in the business of obtaining deposits and providing commercial, consumer and real estate loans to the general public. The Bank's depositors are each insured up to $100,000 by the Federal Deposit Insurance Corporation (the "FDIC") subject to certain limitations imposed by the FDIC.

The Company is authorized to issue up to 25.0 million shares of its $.01 par value per share common stock. Each share is entitled to one vote and shareholders have no preemptive or conversion rights. As of March 31, 2003, and December 31, 2002, there were 1,147,410 shares of the Company's common stock issued and outstanding. Additionally, the Company has authorized the issuance of up to 1.0 million shares of its $.01 par value per share preferred stock. The Company's Board of Directors may, without further action by the shareholders, direct the issuance of preferred stock for any proper corporate purpose with preferences, voting powers, conversion rights, qualifications, special or relative rights and privileges which could adversely affect the voting power or other rights of shareholders of common stock. As of March 31, 2003 and December 31, 2002, there were no shares of the Company's preferred stock issued or outstanding.

Note 3 - Recent Accounting Pronouncements

In December 2001, the American Institute of Certified Public Accountants issued Statement of Position ("SOP") 01-6, "Accounting by Certain Entities (Including Entities With Trade Receivables) That Lend to or Finance the Activities of Others." SOP 01-6 reconciles the specialized accounting and financial reporting guidance in the existing Banks and Savings Institutions Guide, Audits of Credit Unions Guide, and Audits of Finance Companies Guide. The SOP eliminates differences in accounting and disclosure established by the respective guides and carries forward accounting guidance for transactions determined to be unique to certain financial institutions. Adoption of this pronouncement has not had a material impact on the Company's results of operations or financial position.

In October 2002, the Financial Accounting Standards Board ("FASB") issued SFAS No. 147, "Acquisitions of Certain Financial Institutions," which addresses accounting for the acquisition of certain financial institutions. The provisions of SFAS No. 147 rescind the specialized accounting guidance in paragraph 5 of SFAS No. 72 and requires unidentifiable intangible assets to be reclassified to goodwill if certain criteria are met. Financial institutions meeting the conditions outlined in SFAS No. 147 will be required to restate previously issued financial statements after September 30, 2002. The adoption of SFAS No. 147 has had no material impact on the Company's results of operations or financial position.

In December 2002, FASB issued SFAS No. 148, "Accounting for Stock-Based Compensation - Transition and Disclosure," which amended SFAS No. 123, "Accounting for Stock-Based Compensation" to provide alternative methods of transition for a voluntary change to the fair value based method of accounting for stock-based compensation. In addition, this statement amended the disclosure requirements of SFAS No. 123 to require prominent disclosures in both annual and interim financial statements about the method of accounting for stock-based employee compensation and the effect of the chosen method on reporting results. The provisions of SFAS No. 148 are effective for annual periods ending December 15, 2002, and for interim periods beginning after December 15, 2002.

In November 2002, FASB issued Interpretation No. 45, "Guarantor's Accounting and Disclosure Requirements for Guarantees, Including Indirect Guarantees of Indebtedness of Others." It addresses the accounting for the stand-ready obligation under guarantees. A guarantor is required to recognize a liability with respect to its stand-ready obligation under the guarantee even if the probability of future payments under the guarantee is remote. The initial liability will be measured as the fair value of the stand-ready obligation. Additionally, the Interpretation addresses the disclosure requirements for guarantees including the nature and terms of the guarantees, maximum potential for future amounts and the carrying amount of the liabilities. The disclosure requirements are effective for interim and annual financial statements ending after December 15, 2002. The initial recognition and measurement provisions are effective for all guarantees within the scope of Interpretation 45 issued or modified after December 31, 2002. Commercial letters of credit and other loan commitments, which are commonly thought of as guarantees of funds were not included in the scope of interpretation. The Bank has made relevant disclosures in the current year financial statements. The Bank does not expect the adoption of Interpretation No. 45 to have a material impact on its financials.

Item 2 - Management's Discussion and Analysis of Financial Condition and Results of Operations.

Results of Operations

Net income for the three-month period ended March 31, 2003 amounted to $13,470, or $.01 per diluted share. For the three-month period ended March 31, 2002, net loss amounted to $(49,484), or $(.04) per diluted share. Following is a brief discussion concerning the Company's operational results for the three-month period ended March 31, 2003 as compared to the three-month period ended March 31, 2002.

1. Interest income, which represents interest received on interest earning assets, increased from $1,024,515 for the three-month period ended March 31, 2002 to $1,174,093 for the three-month period ended March 31, 2003, an increase of $149,578. The cost of funds, which represents interest paid on deposits and borrowings, was reduced from $484,987 for the three-month period ended March 31, 2002 to $466,724 for the three-month period ended March 31, 2003, a reduction of $18,263. For the three-month period ended March 31, 2003, the growth in interest income coupled with the reduction in the cost of funds resulted in an increase in net interest income, from $539,528 for the three-month period ended March 31, 2002, to $707,369 for the three-month period ended March 31, 2003.

Net interest yield, defined as net interest income divided by average interest earning assets, increased from 3.84% during the three-month period ended March 31, 2002 to 4.14% during the three-month period ended March 31, 2003. This increase is significant in light of the fact that the majority of financial institutions are experiencing a decline in the net interest yield caused primarily by the declining interest rate environment. Below is pertinent information concerning the yield on earning assets and the cost of funds for the three-month period ended March 31, 2003.

(Dollars in '000s)

|Description                 | Avg. Assets/Liabilities | InterestIncome/Expense | Yield/Cost
|--------------------------- | ----------------------- | ---------------------- | ----------
|Federal funds               | $2,111                  | $6                     | 1.17%     
|Securities                  | 8,690                   | 114                    | 5.25%     
|Loans                       | 57,499                  | 1,054                  | 7.33%     
|Total                       | $68,300                 | $1,174                 | 6.88%     
|Borrowings                  | $1,187                  | $6                     | 2.12%     
|Transactional accounts      | 16,329                  | 49                     | 1.20%     
|Savings                     | 4,175                   | 16                     | 1.53%     
|CD's                        | 41,474                  | 396                    | 3.82%     
|Total                       | $63,165                 | $467                   | 2.96%     
|Net interest income         |                         | $707                   |           
|Net yield on earning assets |                         |                        | 4.14%     

1. For the three-month period ended March 31, 2003, non-interest income amounted to $37,500, or .20% of average assets. By comparison, non interest income for three-month period ended March 31, 2002 amounted to $54,179, or .35% of average assets. The primary reasons for the decline has to do with two non-recurring items and the reduction in service fees.
2. For the three-month period ended March 31, 2003, non-interest expense amounted to $687,150, or 3.68% of average assets. By comparison, for the three-month period ended March 31, 2002, non interest expense amounted to $574,646, or 3.72% of average assets. This decline in operating expense as a percent of average assets is due primarily to the improvement of operational efficiencies.

During the three-month period ended March 31, 2003, the allowance for loan losses increased by $45,000, to $550,000. The allowance for loan losses as a percentage of gross loans increased from .90% at December 31, 2002 to .93% at March 31, 2003. Management considers the allowance for loan losses to be adequate and sufficient to absorb possible future losses; however, there can be no assurance that charge-offs in future periods will not exceed the allowance for loan losses or that additional provisions to the allowance will not be required.

Total assets increased by $3.2 million, to $76.2 million during the three-month period ended March 31, 2003. More specifically, cash and cash equivalents increased by $1.3 million, to $5.8 million; securities decreased by $.8 million, to $9.2 million; and loans increased by $2.5 million, to $58.4 million; and other assets increased by $.2 million to $1.0 million. To fund the $3.2 million increase in assets, customer deposits were increased by $3.1 million, to $71.4 million, and other liabilities increased by $.1 million, to $.6 million.

Liquidity and Sources of Capital

Liquidity is the Company's ability to meet all deposit withdrawals immediately, while also providing for the credit needs of customers. The March 31, 2003 financial statements evidence a satisfactory liquidity position as total cash and cash equivalents amounted to $5.8 million, representing 7.7% of total assets. Investment securities, which amounted to $9.2 million or 12.0% of total assets, provide a secondary source of liquidity because they can be converted into cash in a timely manner. The Bank is a member of the Federal Reserve System and maintains relationships with several correspondent banks and, thus, could obtain funds from these banks on short notice. The Company's management closely monitors and maintains appropriate levels of interest earning assets and interest bearing liabilities, so that maturities of assets can provide adequate funds to meet customer withdrawals and loan demand. The Company knows of no trends, demands, commitments, events or uncertainties that will result in or are reasonably likely to result in its liquidity increasing or decreasing in any material way. The Bank maintains an adequate level of capitalization as measured by the following capital ratios and the respective minimum capital:

|                                   | Bank'sMarch 31, 2003 | Minimum RegulatoryRequirement
|---------------------------------- | -------------------- | -----------------------------
|Leverage ratio
Risk weighted ratio | 6.3%
8.9%            | 4.0%
8.0%                    

With respect to the leverage ratio, the regulators expect a minimum of 5.0% to 6.0% ratio for banks that are not rated CAMELS 1. The Bank's leverage ratio of 6.3% and risk weighted ratio of 8.9% are above the required minimum.

Management recognized that if the Bank continues to grow in 2003 at the rate experienced in 2002, a capital injection into the Bank's capital accounts would be necessary. Accordingly, the Company is, at this date, in the midst of a rights offering, which, depending on the total rights exercised, will allow the Company to increase the Bank's capital by an amount ranging from $500,000 to $1,00,000. Funds raised through the above offering will be utilized to pay off Company debt, supplement the Bank's capital and for other corporate purposes.

The Company is not aware of any current recommendation by the regulatory authorities which, if it was to be implemented, would have a material effect on the Company's liquidity, capital resources, or results of operations.

The Company cautions readers of this report that any forward-looking statements involve known and unknown risks, uncertainties and other factors which may cause the actual results, performance or achievements of the Company to be materially different from those expressed or implied by such forward-looking statements. Although the Company's management believes that its expectations of future performance are based on reasonable assumptions within the bounds of its knowledge of the Company's business and operations, there can be no assurance that actual results will not differ materially from their expectations.

Item 3 - Controls and Procedures

Based on an evaluation of the Company's disclosure controls and procedures performed by the Company's management within 90 days of the filing date of this report, the Company's Chief Executive Officer and Chief Financial Officer believe that the Company has appropriate disclosure controls and procedures to ensure that information required to be disclosed by the Company in its periodic reports is recorded, processed, summarized and reported within the time periods specified in the rules and forms of the Securities Exchange Commission.

Since the date of such evaluation, there have been no significant changes in the Company's internal controls or in other factors that could significantly affect these controls, including any corrective actions with regard to significant deficiencies and material weaknesses.



PART II - OTHER INFORMATION

|Item 1. | Legal Proceedings.                                                                                                                                                         
|------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|        | There are no material pending legal proceedings to which the Company or the Bank is a party or of which any of their property is the subject.                              
|Item 2. | Changes in Securities.                                                                                                                                                     
|(a)
(b) | None.
None.                                                                                                                                                                
|Item 3. | Defaults Upon Senior Securities.                                                                                                                                           
|        | None.                                                                                                                                                                      
|Item 4. | Submission of Matters to a Vote of Security Holders.                                                                                                                       
|        | None.                                                                                                                                                                      
|Item 5. | Other Information.                                                                                                                                                         
|        | None.                                                                                                                                                                      
|Item 6. | Exhibits and Reports on Form 8-K.                                                                                                                                          
|(a)     | Exhibits:
99.1 Certification of Chief Executive Officer Pursuant to 18 U.S.C. Section 1350
99.2 Certification of Chief Financial Officer Pursuant to 18 U.S.C. Section 1350
|(b)     | Reports on Form 8-K
Registrant filed no reports on Form 8-K during the quarter ended March 31, 2003.                                                                       



SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

|                  | HORIZON BANCORPORATION, INC.
(Registrant)
By: /S/ Charles S. Conoley
	Charles S. Conoley
	President and Chief Executive Officer
	(Principal Executive Officer)
|----------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------
|                  | By: /S/ James J. Bazata	James J. Bazata
	Senior Vice President and Chief
	Financial Officer (Principal Financial
	and Accounting Officer)                     
|Date: May 9, 2003 |                                                                                                                                                               





CERTIFICATION

I, Charles S. Conoley, certify that:

l.	I have reviewed this Quarterly Report on Form 10-QSB of Horizon Bancorporation, Inc.;

2.	Based on my knowledge, this Quarterly Report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this Quarterly Report;

3.	Based on my knowledge, the financial statements, and other financial information included in this Quarterly Report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this Quarterly Report;

4.	The registrant's other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-14 and 15d-14) for the registrant and have:

a)	Designed such disclosure controls and procedures to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this Quarterly Report is being prepared;

b)	Evaluated the effectiveness of the registrant's disclosure controls and procedures as of a date within 90 days prior to the filing date of this Quarterly Report (the "Evaluation Date"); and

c)	Presented in this Quarterly Report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as of the Evaluation Date;

5.	The registrant's other certifying officers and I have disclosed, based on our most recent evaluation, to the registrant's auditors and the audit committee of registrant's board of directors (or persons performing the equivalent functions):

a)	All significant deficiencies in the design or operation of internal controls which could adversely affect the registrant's ability to record, process, summarize and report financial data and have identified for the registrant's auditors any material weaknesses in internal controls; and

b)	Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal controls; and

6.	The registrant's other certifying officers and I have indicated in this Quarterly Report whether or not there were significant changes in internal controls or in other factors that could significantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses.

Date: May 9, 2003.



/S/ Charles S. Conoley
Charles S. Conoley
President and Chief Executive Officer



CERTIFICATION

I, James J. Bazata, certify that:

l.	I have reviewed this Quarterly Report on Form 10-QSB of Horizon Bancorporation, Inc.;

2.	Based on my knowledge, this Quarterly Report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this Quarterly Report;

3.	Based on my knowledge, the financial statements, and other financial information included in this Quarterly Report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this Quarterly Report;

4.	The registrant's other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-14 and 15d-14) for the registrant and have:

a)	Designed such disclosure controls and procedures to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this Quarterly Report is being prepared;

b)	Evaluated the effectiveness of the registrant's disclosure controls and procedures as of a date within 90 days prior to the filing date of this Quarterly Report (the "Evaluation Date"); and

c)	Presented in this Quarterly Report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as of the Evaluation Date;

5.	The registrant's other certifying officers and I have disclosed, based on our most recent evaluation, to the registrant's auditors and the audit committee of registrant's board of directors (or persons performing the equivalent functions):

a)	All significant deficiencies in the design or operation of internal controls which could adversely affect the registrant's ability to record, process, summarize and report financial data and have identified for the registrant's auditors any material weaknesses in internal controls; and

b)	Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal controls; and

6.	The registrant's other certifying officers and I have indicated in this Quarterly Report whether or not there were significant changes in internal controls or in other factors that could significantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses.

Date: May 9, 2003.

/S/ James J. Bazata
James J. Bazata
Senior Vice President and Chief Financial Officer