FORM 10-QSB

                     U.S. SECURITIES AND EXCHANGE COMMISSION

                              Washington, DC 20549

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

For the quarterly period ended September 30, 1996
                               ------------------

                                       OR

(  )  TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE
      SECURITIES EXCHANGE ACT OF 1934

for the transition period from                to
                               --------------    ---------------

             Commission File Number     0-24674
                                      -----------


                              SWVA BANCSHARES, INC
                              --------------------

    VIRGINIA                                             54-1721629
    --------                                             ----------
(State or other jurisdiction of                        (I.R.S. Employer
incorporation or organization)                      Identification No.)


302 Second Street, SW, Roanoke Virginia                 24011-1597
---------------------------------------                 ----------
(Address of Principal executive offices)                (Zip Code)

Registrant's telephone number, including area code    (540) 343-0135
                                                      --------------   


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

Yes    X      No
      ---         ---

The  number of shares  outstanding  of each of the  issuer's  classes  of common
stock, as of November 7, 1996: $0.10 par value - 520,434 common shares.

Transitional Small Business Disclosure Format (check one):

Yes          No   X
    ---          ---

<PAGE>



                      SWVA BANCSHARES, INC. & SUBSIDIARIES

                                      INDEX

       =================================================================
<TABLE>
<CAPTION>

<S>               <C>                                                                                      <C>
PART I.           FINANCIAL INFORMATION                                                                    PAGE

Item 1.           Financial Statements

                  Consolidated Statements of Financial Condition
                  at September 30, 1996 and June 30, 1996 (unaudited)                                          1

                  Consolidated Statements of Income for the
                  Three Months Ended September 30, 1996 and
                  September 30, 1995 (unaudited)                                                               2

                  Consolidated Statements of Cash Flows for the
                  Three Months Ended September 30, 1996 and
                  September 30, 1995 (unaudited)                                                               3

                  Notes to Unaudited Interim Consolidated
                  Financial Statements                                                                         4

Item 2.           Management's Discussion and Analysis of Financial
                  Condition and Results of Operations                                                          5

PART II.          OTHER INFORMATION                                                                           10

</TABLE>

<PAGE>

                        SWVA BANCSHARES, INC & SUBSIDIARY
                 Consolidated Statements of Financial Condition
                                 (In thousands)
<TABLE>
<CAPTION>

                                                 Assets                                     Sept 30    June 30
                                                                                             1996       1996 
                                                                                               (Unaudited)


<S>                                                                                      <C>        <C>     
Cash and cash equivalents                                                                $  2,722   $  5,262
Interest-bearing deposits                                                                   4,138      3,841
Investment & Mortgage Backed Securities:
  Held to Maturity, at amortized cost                                                         433        443
  Available for Sale, at fair value                                                         9,513      7,496
Loans held for sale                                                                           444        985
Loans receivable, net                                                                      49,783     46,757
Property and equipment, net                                                                 1,644      1,662
Accrued interest receivable                                                                   373        343
Prepaid expenses and other assets                                                             217        198
                                                                                         --------    -------
 
        Total assets                                                                     $ 69,267   $ 66,987
                                                                                         ========   ========

                      Liabilities and Stockholders' Equity
Deposits                                                                                 $ 56,476   $ 57,643
Advances Federal Home Loan Bank                                                             3,500          0
Accounts payable                                                                               31         42
Accrued interest payable                                                                       45         43
Advances from borrowers
  for taxes and insurance                                                                     369        146
Income taxes payable                                                                           15         28
Other accrued expenses                                                                        532        133
Other payables and deferred income                                                            201        277
                                                                                         --------   --------
    Total liabilities                                                                     61,169      58,312
                                                                                         --------   --------


Stockholders' Equity
Preferred Stock, 275,000 shares
  authorized, no shares issued or
  outstanding
Common stock, $.10 par value, 2,225,000
  shares authorized, 520,434 outstanding
  as of September 30, 1996 and 543,190
  outstanding as of June 30, 1996                                                              52         54
Additional paid-in capital                                                                  4,417      4,750
Dividends declared and paid                                                                   (70)      (154)
Less unearned ESOP shares (36,517 shares)                                                    (365)      (365)
Less unearned MSBP shares (22,812 shares)                                                    (388)      (388)
Retained earnings
  (substantially restricted)                                                                4,442      4,790
Valuation allowance
  marketable equity securities                                                                 10        (12)
                                                                                          -------   -------- 
  Total Stockholders' Equity                                                                8,098      8,675
                                                                                          -------   --------

  Total Liabilities
     and Stockholders' Equity                                                            $ 69,267   $ 66,987
                                                                                         ========   ========


</TABLE>

                                        1

<PAGE>


                      SWVA BANCSHARES, INC. & SUBSIDIARIES
                        Consolidated Statements of Income
                                 (In thousands)


<TABLE>
<CAPTION>
                                                        Three Months Ended
                                                          September 30
                                                        -------------------
                                                        1996          1995
                                                        ----          ----
                                                           (Unaudited)

Interest income
<S>                                                   <C>          <C>  
  Loans                                                 1,008         1,034
  Mortgage-backed and related securities                  120            95
  U. S. Government obligations including agencies          18            18
  Other investments, including overnight deposits         109            81
                                                      -------       -------
Total interest income                                   1,255         1,228
                                                      -------       -------
Interest expense
  Deposits                                                635           639
  Borrowed funds                                            9            28
                                                      -------       -------
Total interest expense                                    644           667
                                                      -------       -------
Net interest income                                       611           561
Provision for credit losses                                 0             0
                                                      -------       -------
Net interest income after
    provision for credit losses                           611           561

Noninterest income
  Loan and other customer service fees                     37            38
  Gain on sale of mortgage loans                           26            53
  Gross rental income                                      24            23
  Other                                                     0             0
                                                      -------       -------
Total noninterest income                                   87           114
                                                      -------       -------
Noninterest expenses
  Personnel                                               305           299
  Office occupancy and equipment                           68            79
  Data processing                                          32            34
  Federal insurance of accounts                           389            31
  Other                                                    98           116
                                                      -------       -------

Total noninterest expenses                                892           559
                                                      -------       -------

Income before income taxes                               (194)          116
Provision for income taxes                                  0            50
                                                      -------       -------

Net income                                            $  (194)      $    66
                                                      =======       =======

Earnings per share                                    $ (0.39)        $0.13

</TABLE>
                                       2
<PAGE>

                      SWVA BANCSHARES, INC. & SUBSIDIARIES
                      Consolidated Statements of Cash Flow
                                 (In Thousands)

<TABLE>
<CAPTION>
                                                                                          Three Months Ended
                                                                                              September 30
                                                                                         --------------------
                                                                                          1996         1995
                                                                                          ----         ----
Operating Activities                                                                            (Unaudited)

<S>                                                                                   <C>             <C>    
    Net Income                                                                        $  (194)        $    66
    Adjustments to Reconcile Net Income to Net Cash
        Provided by (used in) operating activities
        Provision for credit losses                                                         0               0
        Provision for depreciation and amortization                                        21              26
        Provision for deferred income tax                                                 (24)             50
        Loans Originated for Sale                                                      (1,266)         (4,427)
        Proceeds from sales of loans originated for sale                                1,833           4,726
        Gain on Sale of Loans, from fees                                                  (26)            (53)
        Gain on Sale of Real Estate                                                         0               0
        Gain on Disposal of Property and Equipment                                          0               0
        Net (increase) decrease in Other Assets                                           (28)             20
        Net increase (decrease) in Other Liabilities                                      522             278
                                                                                       -------         ------
        Net cash provided by (used in) operating activities                               838             686
                                                                                       -------         ------

Investing activities
    Proceeds from sale of property and equipment                                            0               0
    Proceeds from maturity of investments
        and interest-bearing deposits                                                     887             690
    Proceeds from sale of available for sale investments                                    0               0
    Purchase of investments and interest-bearing deposits                              (1 993)           (787)
    Purchase of available for sale investments                                         (1,184)              0
    Proceeds from sale of foreclosed real estate                                            0               0
    Purchase of foreclosed real estate                                                      0               0
    Purchase of property and equipment                                                     (3)            (23)
    Net (increase) decrease in loans                                                   (3,015)            915
    Purchase of loans                                                                     (11)              0
    Principal repayments on Mortgage Backed Securities                                     19              31
                                                                                      -------         -------
    Net cash provided by (used in) investing activities                                (5,300)            826
                                                                                      -------         -------
Financing activities
    Curtailment of advances and other borrowings                                            0               0 
    Proceeds from advances and other borrowings                                         3,500               0
    Net increase (decrease) in savings deposits                                        (1,167)            662
    Proceeds from sale of stock                                                             0               0
    Purchase of stock by ESOP                                                               0               0
    Purchase of stock for MSBP                                                              0               0 
    Repurchase of stock                                                                  (341)           (466)
    Dividends paid                                                                        (70)            (79)
                                                                                        ------        -------
    Net cash used in financing activities                                               1,922             117 
                                                                                       ------         -------

Increase (decrease) in cash and cash equivalents                                       (2,540)          1,629

Cash and cash equivalents at beginning of period                                        5,262             830
                                                                                       -------        -------

Cash and cash equivalents at end of period                                            $ 2,722         $ 2,459
                                                                                       =======         ======
</TABLE>


                                        3


<PAGE>



                      SWVA BANCSHARES, INC. & SUBSIDIARIES

                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

NOTE 1 - BASIS OF PRESENTATION

The accompanying  unaudited interim consolidated  financial statements have been
prepared in accordance with generally accepted accounting principles for interim
financial information and with the instructions to Form 10-QSB and Rule 10-01 of
Regulation  S-X.  Accordingly,  they do not include all of the  information  and
footnotes  required by generally  accepted  accounting  principles  for complete
financial statements.

The accompanying  consolidated financial statements include the accounts of SWVA
Bancshares, Inc. ("Company") and its wholly-owned subsidiary, Southwest Virginia
Savings Bank, FSB ("Bank") and its wholly-owned  subsidiary,  Southwest Virginia
Service Corporation. All significant intercompany balances and transactions have
been eliminated in consolidation.

In the opinion of management,  all adjustments  (consisting of normal  recurring
accruals)  considered  necessary  for  fair  presentation  have  been  included.
Operating  results  for the three  months  ended  September  30,  1996,  are not
necessarily  indicative  of the results that may be expected for the year ending
June 30, 1997.

NOTE 2 - STOCK REPURCHASE

On July 26,  1996,  the  Company  received  approval  from the  Office of Thrift
Supervision  ("OTS") to repurchase up to 5% (or 27,160  shares) of the Company's
Common Stock prior to October 5, 1996. The company  repurchased 22,756 shares of
its  Common  Stock  in the  open  market,  at an  aggregate  purchase  price  of
approximately $341,000. The amount repurchased represented approximately 4.2% of
the Company's total shares outstanding prior to the repurchase.

On the date of the request for permission to repurchase the stock, the Company's
stock was  trading at a price  significantly  below book  value.  Based upon the
current  market price of the Company's  stock,  the likelihood of increasing the
book  value per share and net  income  per share on the  remaining  shares,  the
general economic  conditions  affecting the Company and the Bank, and the use of
repurchased shares to mitigate the potentially  dilutive effect of the Company's
stock option plan and any other stock based  compensation  plan or program,  the
Board determined that the repurchase program would enhance shareholder value and
be in the best interests of the Company and shareholders.

NOTE 3 -- EARNINGS PER SHARE

Earnings per share have been  determined  by dividing net income by the weighted
number of shares of common stock and common stock equivalents outstanding during
the period net of ESOP shares.

                                        4


<PAGE>

                     MANAGEMENT'S DISCUSSION AND ANALYSIS OF
                  FINANCIAL CONDITION AND RESULTS OF OPERATIONS

Comparison of Financial Condition at September 30, 1996 and June 30, 1996
--------------------------------------------------------------------------------

Total assets  increased  $2.3  million,  or 3.43% from $67.0 million at June 30,
1996 to $69.3 million at September 30, 1996. Net loans receivable increased $3.0
million or 6.41% to $49.8  million at September  30, 1996 from $46.8  million at
June 30, 1996 due primarily to an increase in mortgage loans added to the Bank's
portfolio.

Interest-bearing  deposits  increased  $297,000,  or  7.82% to $4.1  million  at
September  30, 1996 from $3.8 million at June 30, 1996 due mainly to an increase
in cash  available to invest in  interest-bearing  deposits.  Available for sale
investments  increased  $2.0  million,  or 26.67%  due to the  purchase  of FNMA
Mortgage Backed Securities. Cash and cash equivalents decreased $2.6 million, or
49.05% from $5.3 million at June 30, 1996 to $2.7 million at September  30, 1996
due mainly to increased  cash  required to fund mortgage  loans.  Loans held for
sale  decreased  $541,000 or 54.92% due to a decrease in loans  originated to be
sold.

There were no  non-performing  assets at  September  30, 1996 and June 30, 1996.
Classified assets totaled $894,000.  $893,000 were classified as substandard and
included  $303,000  in  Construction  and  Development  loans,  $223,000  in  an
apartment  building  and the  remaining  were single  family  loans.  $1,000 was
classified as loss and was on a small unsecured consumer loan.

Deposits decreased $1.1 million, or 1.91% from $57.6 million at June 30, 1996 to
$56.5  million  at  September  30,  1996 due  mainly to a  decrease  in funds in
checking accounts. Core deposits were $16.5 million or 29.17% of total savings.

At September 30, 1996, there were $3.5 million  outstanding in advances from the
Federal Home Loan Bank of Atlanta.  There were no advances  outstanding  on June
30, 1996. The advances were used to fund mortgage loan  originations  during the
quarter.

Other accrued expenses increased $399,000, or 300.00%, from $133,000 at June 30,
1996 to $532,000 at September 30, 1996. This was mainly due to the one time SAIF
special assessment on September 30, 1996.

Advances from borrowers for taxes and insurance increased  $223,000,  or 152.74%
due to the  accumulation  of escrow for real estate  taxes to be paid during the
quarter ending December 31, 1996.  Other payables and deferred income  decreased
$76,000,  or 27.44% from  $277,000 at June 30, 1996 to $201,000 at September 30,
1996 due mainly to a reduction in  outstanding  cashier's  checks and  certified
checks.

                                        5


<PAGE>



Results of Operations for the three months ended September 30, 1996
-------------------------------------------------------------------
and September 30, 1995
----------------------

Net Income Net income  decreased  $260,000 or 393.94% from a net gain of $66,000
for the three months ended  September 30, 1995 to a net loss of $194,000 for the
three months ended  September  30, 1996.  The decrease was mainly due to the one
time SAIF Special  Assessment  offset partially by increased  interest earned on
mortgage loans.

Interest Income Interest income increased $27,000,  or 2.20% from $1,228,000 for
the three months ended  September  30, 1995 to  $1,255,000  for the three months
ended  September  30,  1996.  The  increase  was  mainly a result of  additional
mortgage loans put in the Bank's portfolio during the quarter.

Interest Expense Interest expense  decreased  $23,000 or 3.45% from $667,000 for
the three months ended September 30, 1995 to $644,000 for the three months ended
September 30, 1996. The decrease was due mainly to the reduced borrowings during
the quarter ended September 30, 1996. The average borrowings outstanding for the
quarter  ended  September  30, 1996 was $617,000 as compared to $1.8 million for
the same quarter last year.

Net Interest  Income Net  interest  income  increased by $50,000,  or 8.91% from
$561,000 for the three months ended September 30, 1995 to $611,000 for the three
months ended  September 30, 1996. This was mainly due to an increase in interest
earned on mortgage loans and a decrease in interest paid on borrowed funds.

Provision for Credit Losses The Bank made no provision for credit losses for the
three months  ended  September  30, 1996 and there was no  provision  for credit
losses for the three months ended  September 30, 1995.  The allowance for credit
losses is  $194,000.  Management  reviews the Bank's loan  portfolio  and future
additions  may  become  necessary  based  upon  changing  economic   conditions,
increased  loan  portfolio or changes in the  underlying  collateral of the loan
portfolio.

Non-interest  Income  Non-interest  income decreased by $27,000,  or 23.68% from
$114,000 for the three months ended  September 30, 1995 to $87,000 for the three
months ended  September  30,  1996.  This was mainly the result of a decrease of
$27,000 on gains on loans  sold in the  secondary  market  for the three  months
ended September 30, 1996.

Non-interest Expense Non-interest expense increased by $333,000,  or 59.57% from
$559,000 for the three months ended September 30, 1995 to $892,000 for the three
months  ended  September  30,  1996,  mainly  due to the one time  SAIF  Special
Assessment  offset by a reduction  in legal  expenses and office  occupancy  and
equipment expense.

Provision  for income taxes The  provision for income taxes for the three months
ended  September  30, 1995 was $50,000.  There was no provision for income taxes
for the  three  months  ended  September  30,  1996  due to the net loss for the
quarter.

                                        6


<PAGE>



Regulatory Capital Requirements

OTS capital  regulations  require  savings  institutions  to meet three  capital
standards:  (1) tangible capital equal to 1.5% of total adjusted  assets,  (2) a
leverage ratio (core  capital)  equal to at least 3.0% of total adjusted  assets
and (3) a risk-based  capital  requirement equal to 8.0% of total risk- weighted
assets.

As shown below, the Bank's tangible,  core and risk-based capital  significantly
exceed all applicable  regulatory  capital  requirements of the OTS at September
30, 1996:
<TABLE>
<CAPTION>
                                                                                                         Percent of
                                                                                  Amount                     Assets
                                                                                  ------                     ------

<S>                                                                               <C>                        <C>   
                  GAAP Capital....................                                $7,300                     10.45%
                                                                                   =====                    ======

                  Tangible Capital................                                $7,290                     10.44%
                  Tangible Capital Requirement....                                 1,048                      1.50%
                                                                                   -----                     -----
                  Excess..........................                                $6,242                      8.94%
                                                                                   =====                     =====

                  Core Capital....................                                $7,290                     10.44%
                  Core Capital Requirement........                                 2,095                      3.00%
                                                                                   -----                     -----
                  Excess..........................                                $5,195                      7.44%
                                                                                   =====                     =====

                  Total Risk-Based Capital........                                $7,485                     20.14%
                  Risk-Based Capital Requirement..                                 2,973                      8.00%
                                                                                   -----                     -----
                  Excess..........................                                $4,512                     12.14%
                                                                                   =====                     =====
</TABLE>


Management  believes that under current  regulations,  the Bank will continue to
meet its minimum capital  requirements in the foreseeable future.  Events beyond
the control of the Bank,  such as  increased  interest  rates or downturn in the
economy  in areas in which  the Bank  operates  could  adversely  affect  future
earnings  and as a result,  the  ability of the Bank to meet its future  minimum
capital requirements.

Liquidity

The Bank's  liquidity is a measure of its ability to fund loans,  withdrawals of
deposits and other cash outflows in a cost effective manner.  The Bank's primary
sources of funds are deposits and proceeds from principal and interest  payments
on loan and mortgage backed  securities.  The Bank also obtains funds from sales
and maturities of investment securities,  short-term investments and borrowings,
namely advances from the FHLB of Atlanta.  The Bank uses such funds primarily to
meet commitments on existing and continuing loan commitments, fund maturing time
deposits and savings  withdrawals and maintain  liquidity.  While loan payments,
maturing investments and mortgage-backed securities are a relatively predictable
source of funds,  deposit flows and loan  prepayments are greatly  influenced by
general  interest  rates,  economic  conditions  and  competition.   The  Bank's
liquidity  is  also   influenced  by  the  level  of  demand  for  funding  loan
originations.

                                        7


<PAGE>



Liquidity, cont.

The Bank is required  under federal  regulations to maintain  certain  specified
levels of "liquid  investments,"  which include certain United States government
obligations  and other  approved  investments.  Regulations  require the Bank to
maintain liquid assets of not less than 5% of its net withdrawable accounts plus
short term borrowings. Short term liquid assets must consist of not less than 1%
of such accounts and  borrowings,  which amount is also  included  within the 5%
requirements. Those levels may be changed from time to time by the regulators to
reflect current economic  conditions.  The Bank's regulatory liquidity was 6.78%
at September 30, 1996 and 12.29% as of June 30, 1996.

Impact of Inflation and Changing Prices

The  consolidated  financial  statements  of  the  Company  and  notes  thereto,
presented  elsewhere  herein,  have been prepared in accordance with GAAP, which
require the measurement of financial  position and operating results in terms of
historical  dollars without  considering  the change in the relative  purchasing
power of money over time due to inflation.  The impact of inflation is reflected
in the  increased  cost of the  Company's  operations.  Unlike  most  industrial
companies,  nearly all the assets and  liabilities of the Company are financial.
As a result,  interest rates have a greater impact on the Company's  performance
than do the  effects  of  general  levels of  inflation.  Interest  rates do not
necessarily  move in the same  direction  or to the same extent as the prices of
goods and services.

SAIF Special Assessment

Deposits of the  Savings  Bank are  insured by the SAIF as  administered  by the
FDIC. As a member of the SAIF, the Savings Bank paid an insurance premium to the
FDIC equal to a minimum of 0.23% of its total deposits.  The FDIC also maintains
another insurance fund, the Bank Insurance Fund ("BIF"), which primarily insured
commercial  bank  deposits.  Effective  September 30, 1995, the FDIC lowered the
insurance  premium on BIF insured deposits to a range of between 0.04% and 0.31%
of deposits with the result that most commercial banks would pay the lowest rate
of 0.04%.  Effective  January 1, 1996, the annual insurance premium for most BIF
members was lowered to $2,000.  These  reductions in insurance  premiums for BIF
members placed SAIF members at a competitive disadvantage to BIF members.

Effective  September  30,  1996,  federal  law was revised to mandate a one-time
special  assessment  on SAIF members  such as the Savings Bank of  approximately
 .657% of deposits  held on March 31, 1995.  The Savings Bank recorded a $355,000
pre-tax expense for this assessment at September 30, 1996.  Beginning January 1,
1997, deposit insurance  assessments for SAIF members are expected to be reduced
to  approximately  .064% of deposits on an annual basis through the end of 1999.
During this same period,  BIF members are expected to be assessed  approximately
 .013% of deposits.  Thereafter,  assessments  for BIF and SAIF members should be
the same. It is expected that these continuing assessments for both SAIF and BIF
members  will  be  used  to  repay   outstanding   Financing   Corporation  bond
obligations.  As a result of these changes,  beginning January 1, 1997, the rate
of  deposit  insurance  assessed  the  Savings  Bank is  expected  to decline by
approximately 70%.

                                        8


<PAGE>




SAIF Special Assessment, cont.

The disparity in insurance  premiums between those required for the Savings Bank
and BIF members could allow BIF members to attract and retain deposits at higher
interest rates and at a lower  effective cost than the Savings Bank.  This could
put competitive pressure on the Savings Bank to raise its interest rates paid on
deposits,  thus increasing its cost of funds and possibly  reducing net interest
income.  Although  the  Savings  Bank has other  sources of funds,  these  other
sources may have higher costs than those of deposits.

                                        8


<PAGE>



                      SWVA BANCSHARES, INC. & SUBSIDIARIES

                                     PART II

Item 1.           Legal Proceedings

                  Not applicable.

Item 2.           Changes in Securities

                  Not applicable.

Item 3.           Defaults upon Senior Securities

                  Not applicable.

Item 4.           Submission of Matters to a Vote of Security Holders.

                  Not applicable.

Item 5.           Other Information

                  Not applicable.

Item 6.           Exhibits and Reports on Form 8-K.

                  (a)  Exhibit 27 (financial data schedule).

                  (b)  Reports on Form 8-K:  None.

                                        9


<PAGE>


                      SWVA BANCSHARES, INC. & SUBSIDIARIES

                                   SIGNATURES

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

                                       SWVA Bancshares, Inc.

Date: November 12, 1996                By: /s/  B. L. Rakes
      -----------------                    -------------------------------------
                                           B. L. Rakes
                                           President, Chief Executive Officer,
                                           Chief Financial Officer, and Director

Date: Novmeber 12, 1996                By: /s/  Mary G. Staples
      -----------------                    -------------------------------------
                                           Mary G. Staples
                                           Controller/Treasurer
                                           Principal Financial Officer

                                       10