alea-institute/kl3m-data-sample-004-shuffled huggingface dataset:
Exhibit 31.1

CERTIFICATION

I, Corey Henry, certify that:

1.             I have reviewed this report on Form 10-K and all reports on Form 10-D required to be
filed in respect of the period covered by this report on Form 10-K of Drive Auto Receivables Trust 2018-5 (the “Exchange Act periodic reports”);

2.             Based on my knowledge, the Exchange Act periodic reports, taken as a whole, do 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
report;

3.             Based on my knowledge, all of the distribution, servicing and other
information required to be provided under Form 10-D for the period covered by this report is included in the Exchange Act periodic reports;

4.            Based on my knowledge and the servicer compliance statement required in this report
under Item 1123 of Regulation AB, and except as disclosed in the Exchange Act periodic reports, the servicer has fulfilled its obligations under the servicing agreement in all material respects; and

5.             All of the reports on assessment of compliance with servicing criteria for asset-backed
securities and their related attestation reports on assessment of compliance with servicing criteria for asset-backed securities required to be included in this report in accordance with Item 1122 of Regulation AB and Exchange Act Rules 13a-18 and
15d-18 have been included as an exhibit to this report, except as otherwise disclosed in this report. Any material instances of noncompliance described in such reports have been disclosed in this report on Form 10-K.

In giving the certifications above, I have reasonably relied on information provided to me by the following unaffiliated parties: Wilmington Trust, National
Association.



| | By:    | /s/ Corey Henry                                                                          | 
| | ------ | ---------------------------------------------------------------------------------------- | 
| | Name:  | Corey Henry                                                                             
| | Title: | President and Chief Executive Officer Santander Drive Auto Receivables LLC, as Depositor
| |        | (senior officer in charge of securitization of the depositor)                           
| | Date:  | March 30, 2020
<TABLE> <S> <C>

<ARTICLE> 5

<S>                                                <C>
<PERIOD-TYPE>                                   9-MOS
<FISCAL-YEAR-END>                         SEP-30-1999
<PERIOD-START>                            OCT-01-1998
<PERIOD-END>                              JUN-30-1999
<CASH>                                      7,749,052
<SECURITIES>                                8,307,367
<RECEIVABLES>                               7,507,773
<ALLOWANCES>                                        0
<INVENTORY>                                10,884,583
<CURRENT-ASSETS>                           38,086,814
<PP&E>                                      2,980,543
<DEPRECIATION>                              1,769,406
<TOTAL-ASSETS>                             40,578,664
<CURRENT-LIABILITIES>                       7,042,513
<BONDS>                                             0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                       99,723
<OTHER-SE>                                 33,436,428
<TOTAL-LIABILITY-AND-EQUITY>               40,578,664
<SALES>                                    14,138,047
<TOTAL-REVENUES>                           14,138,047
<CGS>                                       9,562,778
<TOTAL-COSTS>                              22,113,588
<OTHER-EXPENSES>                                    0
<LOSS-PROVISION>                                    0
<INTEREST-EXPENSE>                                  0
<INCOME-PRETAX>                            (7,145,592)
<INCOME-TAX>                               (2,106,233)
<INCOME-CONTINUING>                        (5,039,359)
<DISCONTINUED>                                      0
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                               (5,039,359)
<EPS-BASIC>                                      (.51)
<EPS-DILUTED>                                    (.51)



</TABLE>
UNITED STATES DISTRICT COURT

FOR THE DISTRICT OF NEW HAMPSHIRE

United States of America

v. Case No. 07-cr-219-PB

Levi Blake

O R D E R

The defendant, through counsel, has moved to continue the

April 1, 2008 trial in the above case to allow additional time to

complete discovery and engage in plea negotiations. The

government does not object to a continuance of the trial date.

Accordingly, for the above reason and to allow the parties

additional time to properly prepare for trial, the court will

continue the trial from April 1, 2008 to June 3, 2008. In

agreeing to continue the trial, the court finds pursuant to 18

U.S.C.A. § 3161(h)(8)(A) that for the above-stated reasons, the

ends of justice served in granting a continuance outweigh the

best interests of the public and the defendant in a speedy trial

Case 1:07-cr-00219-PB Document 13 Filed 03/28/08 Page 1 of 2
2

The March 31, 2008 final pretrial conference is continued to

May 21, 2008 at 4:45 p.m.

SO ORDERED.

/s/Paul Barbadoro 

Paul Barbadoro

United States District Judge

March 28, 2008

cc: Jeffrey Levin, Esq.

Robert Kinsella, AUSA

United States Probation

United States Marshal

Case 1:07-cr-00219-PB Document 13 Filed 03/28/08 Page 2 of 2
B.1. Farm Debt Outstanding at Commercial Banks

Loan volume Percent change from Percent change from

(billions of dollars) previous quarter previous year

Real Non-real- Real Non-real- Real Non-realTotal estate estate Total estate estate Total estate estate

Quarter loans loans loans loans loans loans loans loans loans

1995: Q4... 63.7 23.9 39.8 -2.5 .4 -4.1 3.9 5.9 2.8

1996: Q1... 61.7 24.0 37.7 -3.1 .5 -5.3 3.1 4.8 2.0

 Q2... 65.7 24.7 41.0 6.5 2.7 8.9 3.4 4.7 2.7

 Q3... 66.6 24.9 41.6 1.3 1.1 1.5 1.9 4.7 .3

 Q4... 65.5 25.0 40.5 -1.6 .3 -2.8 2.8 4.6 1.8

1997: Q1... 63.8 25.4 38.4 -2.6 1.4 -5.1 3.4 5.5 2.0

 Q2... 69.0 26.2 42.8 8.2 3.3 11.5 5.1 6.2 4.4

 Q3... 71.1 27.0 44.2 3.0 2.9 3.1 6.8 8.1 6.0

 Q4... 71.3 27.1 44.2 .3 .7 .0 8.9 8.5 9.1

1998: Q1... 70.1 27.6 42.4 -1.7 1.8 -3.9 9.8 9.0 10.4

 Q2... 75.0 28.5 46.5 7.1 3.2 9.6 8.6 8.8 8.5

 Q3... 76.3 28.9 47.4 1.7 1.3 1.9 7.2 7.2 7.3

 Q4... 74.7 29.3 45.5 -2.0 1.3 -4.0 4.8 7.8 3.0

1999: Q1... 72.7 29.7 42.9 -2.8 1.7 -5.6 3.7 7.6 1.1

 Q2... 75.8 30.8 45.1 4.4 3.5 5.0 1.1 8.0 -3.1

 Q3... 76.8 31.4 45.5 1.3 1.9 .9 .7 8.6 -4.1

 Q4... 76.0 31.8 44.2 -1.0 1.5 -2.8 1.7 8.8 -2.8

2000: Q1... 71.5 31.4 40.1 -5.9 -1.4 -9.2 -1.6 5.5 -6.5

 Q2... 79.7 33.7 45.9 11.4 7.5 14.4 5.0 9.6 1.9

 Q3... 80.1 33.9 46.2 .6 .5 .6 4.3 8.1 1.6

 Q4... 80.9 34.0 46.9 1.0 .3 1.5 6.4 6.8 6.1

2001: Q1... 79.4 34.3 45.1 -1.9 .8 -3.9 11.0 9.2 12.4

 Q2... 82.9 35.1 47.7 4.4 2.5 5.8 4.0 4.2 3.9

 Q3... 82.5 35.4 47.1 -.4 .8 -1.3 3.0 4.5 2.0

 Q4... 82.2 35.6 46.7 -.3 .4 -.9 1.6 4.6 -.5

2002: Q1... 80.1 36.0 44.1 -2.6 1.2 -5.5 .9 4.9 -2.2

 Q2... 83.7 37.0 46.7 4.4 2.7 5.9 1.0 5.1 -2.1

 Q3... 84.4 37.7 46.7 .9 2.1 -.1 2.3 6.5 -.9

 Q4... 83.9 38.0 45.9 -.6 .6 -1.6 2.0 6.8 -1.7

2003: Q1... 82.0 38.7 43.3 -2.3 1.9 -5.7 2.4 7.5 -1.9

 Q2... 84.5 39.6 44.9 3.1 2.5 3.7 1.1 7.3 -3.9

 Q3... 85.5 40.2 45.4 1.2 1.4 1.0 1.4 6.5 -2.8

 Q4... 86.1 40.6 45.5 .6 1.1 .2 2.7 7.0 -.9

2004: Q1... 84.3 41.4 42.9 -2.1 1.9 -5.7 2.8 7.0 -.9

 Q2... 88.9 42.9 46.0 5.4 3.6 7.2 5.2 8.3 2.4

 Q3... 91.5 43.9 47.6 2.9 2.3 3.5 6.9 9.2 4.9

 Q4... 92.3 44.5 47.7 .8 1.5 .2 7.1 9.6 4.9

2005: Q1... 89.3 45.0 44.3 -3.2 1.1 -7.2 5.9 8.7 3.3

 Q2... 93.5 46.2 47.3 4.7 2.7 6.6 5.1 7.7 2.7

 Q3... 96.7 47.1 49.5 3.4 2.0 4.8 5.7 7.4 4.0

 Q4... 97.5 47.6 49.9 .9 1.0 .8 5.7 6.9 4.6

2006: Q1... 96.2 48.4 47.7 -1.4 1.8 -4.4 7.7 7.6 7.7

 Q2... 101.0 49.8 51.2 5.1 2.9 7.2 8.1 7.8 8.3

 Q3... 104.2 51.1 53.0 3.1 2.5 3.6 7.8 8.4 7.1

 Q4... 105.4 52.2 53.2 1.2 2.1 .3 8.1 9.7 6.5

2007: Q1... 105.0 53.4 51.6 -.4 2.3 -3.0 9.2 10.2 8.1

 Q2... 109.3 54.8 54.5 4.1 2.7 5.6 8.2 9.9 6.5

 Q3... 110.8 56.0 54.9 1.4 2.2 .6 6.4 9.5 3.4

 Q4... 112.3 56.8 55.5 1.3 1.5 1.2 6.6 8.9 4.3

2008: Q1... 110.4 57.9 52.5 -1.7 1.9 -5.3 5.2 8.5 1.8

 Note. Data are as of end of quarter.

21
<TABLE> <S> <C>

<ARTICLE> 5
<LEGEND>
THE FINANCIAL DATA SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE COMPANY'S QUARTERLY REPORT FOR THE THREE MONTH PERIOD ENDED AUGUST 31,
1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          MAY-31-1998
<PERIOD-END>                               AUG-31-1997
<CASH>                                             216
<SECURITIES>                                         0
<RECEIVABLES>                                        0
<ALLOWANCES>                                         0
<INVENTORY>                                          0
<CURRENT-ASSETS>                                   269
<PP&E>                                           4,302
<DEPRECIATION>                                  (1,517)
<TOTAL-ASSETS>                                   3,096
<CURRENT-LIABILITIES>                              250
<BONDS>                                              0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      3,389
<COMMON>                                            16
<OTHER-SE>                                        (648)
<TOTAL-LIABILITY-AND-EQUITY>                     3,096
<SALES>                                              0
<TOTAL-REVENUES>                                     0
<CGS>                                                0
<TOTAL-COSTS>                                        0
<OTHER-EXPENSES>                                 1,105 
<LOSS-PROVISION>                                     0
<INTEREST-EXPENSE>                                   0
<INCOME-PRETAX>                                 (1,105)
<INCOME-TAX>                                         0
<INCOME-CONTINUING>                             (1,105)
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    (1,105)
<EPS-PRIMARY>                                     (.09)
<EPS-DILUTED>                                     (.09)
        

</TABLE>
107TH CONGRESS

1ST SESSION H. R. 1727

AN ACT

To amend the Taxpayer Relief Act of 1997 to provide for consistent treatment of survivor benefits

for public safety officers killed in the line of duty.

107TH CONGRESS

1ST SESSION H. R. 1727

AN ACT

To amend the Taxpayer Relief Act of 1997 to provide for

consistent treatment of survivor benefits for public safety

officers killed in the line of duty.

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled,
2

•HR 1727 EH

1 SECTION 1. SHORT TITLE.

2 This Act may be cited as the ‘‘Fallen Hero Survivor

3 Benefit Fairness Act of 2001’’.

4 SEC. 2. CONSISTENT TREATMENT OF SURVIVOR BENEFITS

5 FOR PUBLIC SAFETY OFFICERS KILLED IN

6 THE LINE OF DUTY.

7 Subsection (b) of section 1528 of the Taxpayer Relief

8 Act of 1997 (Public Law 105–34) is amended by striking

9 the period and inserting ‘‘, and to amounts received in

10 taxable years beginning after December 31, 2001, with re11 spect to individuals dying on or before December 31,

12 1996.’’.

Passed the House of Representatives May 15, 2001.

Attest:

Clerk.
#### The People of the State of New York, Respondent, v Josiah McTier, Appellant.

[806 NYS2d 431]

Apppeal by the defendant from a judgment of the Supreme Court, Kings County (Starkey, J.), rendered May 14, 2002, convicting him of gang assault in the first degree, upon a jury verdict, and imposing sentence.

Ordered that the judgment is affirmed.

Viewing the evidence in the light most favorable to the prosecution *(see People v Contes,*60 NY2d 620 [1983]), we find that it was legally sufficient to establish the defendant’s guilt of gang assault in the first degree *(see*Penal Law § 120.07; Penal Law § 20.00). Contrary to the defendant’s contentions, the testimony provided by two separate prosecution witnesses supports this conclusion *(see People v Mercer,*17 AD3d 607 [2005]; *People v Gonzalez,*3 AD3d 579 [2004]). Moreover, upon the exercise of our factual review power, we are satisfied that the verdict of guilt was not against the weight of the evidence *(see*CPL 470.15 [5]).

The defendant’s remaining contentions, raised in his supplemental pro se brief, either are unpreserved for appellate review or without merit. Florio, J.P., Krausman, Lifson and Lunn, JJ., concur.
<TABLE> <S> <C>

<ARTICLE> 5
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONDENSED
CONSOLIDATED  STATEMENTS  OF  OPERATIONS  AND THE CONDENSED CONSOLIDATED BALANCE
SHEET  AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH DECEMBER 2000 10QSB
</LEGEND>
<MULTIPLIER> 1

<S>                                     <C>
<PERIOD-TYPE>                           3-MOS
<FISCAL-YEAR-END>                       JUN-30-2001
<PERIOD-START>                          OCT-01-2000
<PERIOD-END>                            DEC-31-2000
<CASH>                                      67,745
<SECURITIES>                                     0
<RECEIVABLES>                            3,510,049
<ALLOWANCES>                                     0
<INVENTORY>                                 76,856
<CURRENT-ASSETS>                         3,654,650
<PP&E>                                  47,900,594
<DEPRECIATION>                           2,858,173
<TOTAL-ASSETS>                          48,697,071
<CURRENT-LIABILITIES>                    6,657,684
<BONDS>                                  9,314,060
<PREFERRED-MANDATORY>                            0
<PREFERRED>                                      0
<COMMON>                                45,665,595
<OTHER-SE>                             (12,940,268)
<TOTAL-LIABILITY-AND-EQUITY>            48,697,071
<SALES>                                  3,035,493
<TOTAL-REVENUES>                         3,035,493
<CGS>                                      753,474
<TOTAL-COSTS>                              753,474
<OTHER-EXPENSES>                           997,552
<LOSS-PROVISION>                                 0
<INTEREST-EXPENSE>                         283,363
<INCOME-PRETAX>                          1,001,104
<INCOME-TAX>                                     0
<INCOME-CONTINUING>                      1,001,104
<DISCONTINUED>                                   0
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                             1,001,104
<EPS-BASIC>                                  .05
<EPS-DILUTED>                                  .05


</TABLE>
UNITED STATES DISTRICT COURT FOR THE

DISTRICT OF NEW HAMPSHIRE

United States of America

v. Criminal No. 05-cr-258-01-PB

Jessica Shepard

O R D E R

The defendant has moved to continue the February 7, 2006 trial in the above

case. Defendant cites the need for additional time to finalize plea negotiations. The

government does not object to a continuance of the trial date.

Accordingly, in order to allow the parties additional time to negotiate a plea

agreement, or properly prepare for trial, the court will continue the trial from February

7, 2006 to April 4, 2006. In agreeing to continue the trial, the court finds pursuant to 18

U.S.C.A. § 3161(h)(8)(A) that for the above-stated reasons, the ends of justice served in

granting a continuance outweigh the best interests of the public and the defendant in a

speedy trial.

Case 1:05-cr-00258-PB Document 9 Filed 01/24/06 Page 1 of 2
2

The January 24, 2006 final pretrial conference is continued until March 22, 2006

at 3:30 PM.

SO ORDERED.

January 24, 2006 /s/ Paul Barbadoro 

Paul Barbadoro

United States District Judge

cc: William Morse, Esq.

James Dennehy, Esq.

U. S. Probation

U. S. Marshal

Case 1:05-cr-00258-PB Document 9 Filed 01/24/06 Page 2 of 2
UNITED STATES DISTRICT COURT FOR THE

DISTRICT OF NEW HAMPSHIRE

Emilio Encarnacion

v. 07-cv-142-PB

State of New Hampshire

O R D E R

After due consideration of the objection filed, I herewith approve the Report

and Recommendation of Magistrate Judge Muirhead dated October 10, 2007.

SO ORDERED.

October 30, 2007 /s/ Paul Barbadoro 

Paul Barbadoro

United States District Judge

cc: Emilio Encarnacion, Pro se

Case 1:07-cv-00142-PB Document 9 Filed 10/30/07 Page 1 of 1
I

107TH CONGRESS

1ST SESSION H. R. 1942

To amend title 49, United States Code, to require the National Transportation Safety Board to investigate all fatal railroad grade crossing accidents.

IN THE HOUSE OF REPRESENTATIVES

MAY 22, 2001

Mr. PETERSON of Minnesota introduced the following bill; which was referred

to the Committee on Transportation and Infrastructure

A BILL

To amend title 49, United States Code, to require the National Transportation Safety Board to investigate all

fatal railroad grade crossing accidents.

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled,

3 SECTION 1. SHORT TITLE.

4 This Act may be cited as the ‘‘Fatal Grade Crossing

5 Accident Investigations Act’’.

6 SEC. 2. GRADE CROSSING ACCIDENTS.

7 That section 1131(a)(1) of title 49, United States

8 Code, is amended:
2

HR 1942 IH

1 (1) in subparagraph (B) by striking ‘‘including

2 a railroad grade crossing accident’’; and

3 (2) in subparagraph (C) by inserting ‘‘, includ4 ing a railroad grade crossing accident,’’ after ‘‘rail5 road accident’’.

Æ
<TABLE> <S> <C>

<ARTICLE> 5
<LEGEND>
THE  SCHEDULE  CONTAINS  SUMMARY   INFORMATION   EXTRACTED  FROM  THE  FINANCIAL
STATEMENTS OF THE DECEMBER 31, 1996 FORM 10K OF VISTA PROPERTIES AND IS
 QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                       3,121,247
<SECURITIES>                                         0
<RECEIVABLES>                                        0
<ALLOWANCES>                                         0
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                               0
<DEPRECIATION>                                       0
<TOTAL-ASSETS>                             107,163,265
<CURRENT-LIABILITIES>                          754,724
<BONDS>                                    214,182,636
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                               (109,663,603)
<TOTAL-LIABILITY-AND-EQUITY>               107,163,265
<SALES>                                              0
<TOTAL-REVENUES>                            21,267,482
<CGS>                                                0
<TOTAL-COSTS>                                8,219,918
<OTHER-EXPENSES>                            10,032,713
<LOSS-PROVISION>                                     0
<INTEREST-EXPENSE>                          17,661,137
<INCOME-PRETAX>                           (14,696,286)
<INCOME-TAX>                                         0
<INCOME-CONTINUING>                                  0
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 4,782,912
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
        

</TABLE>
<TABLE> <S> <C>

<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FORM
10-Q FOR THE QUARTER ENDED SEPTEMBER 30, 1998, AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FORM 10-Q FILING.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> US DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JUL-01-1998
<PERIOD-END>                               SEP-30-1998
<EXCHANGE-RATE>                                      1
<CASH>                                          49,733
<SECURITIES>                                         0
<RECEIVABLES>                                    6,293
<ALLOWANCES>                                       300
<INVENTORY>                                          0
<CURRENT-ASSETS>                                59,131
<PP&E>                                           6,099
<DEPRECIATION>                                   2,487
<TOTAL-ASSETS>                                  63,876
<CURRENT-LIABILITIES>                           14,807
<BONDS>                                              0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           273
<OTHER-SE>                                      48,796
<TOTAL-LIABILITY-AND-EQUITY>                    63,876
<SALES>                                         12,088
<TOTAL-REVENUES>                                12,088
<CGS>                                            2,362
<TOTAL-COSTS>                                    2,362
<OTHER-EXPENSES>                                 6,364
<LOSS-PROVISION>                                     0
<INTEREST-EXPENSE>                                   0
<INCOME-PRETAX>                                  4,013
<INCOME-TAX>                                     1,505
<INCOME-CONTINUING>                              2,508
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,508
<EPS-PRIMARY>                                     0.10
<EPS-DILUTED>                                     0.09
        

</TABLE>
Exhibit 99


                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002



In  connection  with  the  Annual  Report  of  Advance  Financial  Bancorp  (the
"Company") on Form 10QSB for the quarter ended March 31, 2003, as filed with the
Securities  and  Exchange  Commission  on the date  hereof (the  "Report"),  we,
Stephen M.  Gagliardi,  President and Chief  Executive  Officer,  and Stephen M.
Magnone,  Treasurer (Chief  Financial  Officer),  certify,  pursuant to 18 U.S.C
Section 1350, as adopted  pursuant to Section 906 of the  Sarbanes-Oxley  Act of
2002, that:

     (1)  The Report fully  complies with the  requirements  of section 13(a) or
          15(d) of the Securities Exchange Act of 1934; and

     (2)  The  information  contained  in the  Report  fairly  presents,  in all
          material respects,  the financial  condition and results of operations
          of the Company.




/s/ Stephen M. Gagliardi                    /s/ Stephen M. Magnone
-------------------------------------       ------------------------------------
Stephen M. Gagliardi                        Stephen M. Magnone
President and Chief Executive Officer       Treasurer (Chief Financial Officer)




May 13, 2003