---

|[X]  | ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
ACT OF 1934    
|---- | ----------------------------------------------------------------------------------------
|     | For the fiscal year ended December 31, 2002                                             
|    
|     | OR                                                                                      
|    
|[  ] | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
|     | For the transition period from __________________ to __________________                 

|Maryland
(State or other jurisdiction of incorporation or organization)         | **35-2085640**(I.R.S. Employer Identification No.)
|------------------------------------------------------------------------------- | --------------------------------------------------
|110 E. Charles Street, Muncie, Indiana
(Address of principal executive offices) | **47305-2419**(Zip Code)                          

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|                              | December 31,          
|----------------------------- | ----------------------
|                              | 2002                  
|                              | Amount                
|                              | (Dollars in Thousands)
|Real Estate Loans:            |                       
|One- to four-family           | $374,407(1)           
|Multi-family                  | 8,211                 
|Commercial                    | 54,252                
|Construction and development  | 14,853                
|Total real estate loans       | 451,723               
|                              |                       
|Other Loans:                  |                       
|Consumer Loans:               |                       
|Automobile                    | 32,997                
|Home equity                   | 21,515                
|Home improvement              | 20,135                
|Manufactured housing          | 5,643                 
|R.V.                          | 52,672                
|Boat                          | 36,530                
|Other                         | 3,322                 
|Total consumer loans          | 172,814               
|Commercial business loans     | 34,660                
|Total other loans             | 207,474               
|Total loans receivable, gross | 659,197(1)            
|                              |                       
|Less:                         |                       
|Undisbursed portion of loans  | 7,240                 
|Deferred loan fees and costs  | (3,293)               
|Allowance for losses          | 6,286                 
|Total loans receivable, net   | $648,964              

---

|                             | December 31,          
|---------------------------- | ----------------------
|                             | 2002                  
|                             | Amount                
|                             | (Dollars in Thousands)
|Fixed-Rate Loans:            |                       
|Real estate:                 |                       
|One- to four-family          | $250,484(1)           
|Multi-family                 | 3,622                 
|Commercial                   | 7,044                 
|Construction and development | 12,290                
|Total real estate loans      | 273,440               
|                             |                       
|Consumer                     | 151,199               
|Commercial business          | 11,251                
|Total fixed-rate loans       | 435,890               
|                             |                       
|Adjustable-Rate Loans:       |                       
|Real estate:                 |                       
|One- to four-family          | 123,923               
|Multi-family                 | 4,589                 
|Commercial                   | 47,208                
|Construction and development | 2,563                 
|Total real estate loans      | 178,283               
|                             |                       
|Consumer                     | 21,615                
|Commercial business          | 23,409                
|Total adjustable-rate loans  | 223,307               
|Total loans                  | 659,197(1)            
|                             |                       
|Less:                        |                       
|Undisbursed portion of loans | 7,240                 
|Deferred loan fees and costs | (3,293)               
|Allowance for loan losses    | 6,286                 
|Total loans receivable, net  | $648,964              

---

|                                    | Real Estate            |                            |                                |                     |                    |                     |           
|----------------------------------- | ---------------------- | -------------------------- | ------------------------------ | ------------------- | ------------------ | ------------------- | ----------
|                                    | One- to Four-Family(1) | Multi-family andCommercial | Constructionand Development(2) | Consumer            | CommercialBusiness | Total              
|                                    | Amount                 | WeightedAverageRate        | Amount                         | WeightedAverageRate | Amount             | WeightedAverageRate | Amount    
|                                    | (Dollars in Thousands)
|Due During
Years EndingDecember 31, |                        |                            |                                |                     |                    |                     |           
|2003(3)                             | $       773            | 7.105%                     | $       993                    | 7.836%              | $       231        | 6.223%              | $    4,816
|2004                                | 457                    | 7.869                      | 431                            | 8.365               | 7                  | 7.875               | 4,223     
|2005                                | 1,041                  | 7.135                      | 2,533                          | 8.030               | 103                | 8.765               | 9,257     
|2006 and 2007                       | 4,731                  | 7.035                      | 4,138                          | 7.460               | 318                | 7.457               | 31,409    
|2008 to 2009                        | 12,850                 | 6.801                      | 5,721                          | 7.800               | 67                 | 7.246               | 17,034    
|2010 to 2024                        | 214,737                | 6.539                      | 48,647                         | 7.517               | 4,308              | 5.952               | 105,842   
|2025 and following                  | 139,818                | 7.011                      | ---                            | 0.000               | 9,819              | 6.390               | 233       
|Total                               | $374,407               |                            | $  62,463                      |                     | $  14,853          |                     | $172,814  

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|                                        | Year Ended December 31,
|--------------------------------------- | -----------------------
|                                        | 2002                   
|                                        | (In Thousands)         
|Originations by type:                   |                        
|Adjustable rate:                        |                        
|Real estate - one- to four-family       | $  26,475              
|- multi-family                          | 224                    
|- commercial                            | 12,883                 
|- construction or development           | 8,047                  
|Non-real estate - consumer              | 3                      
|- commercial business                   | 9,104                  
|Total adjustable-rate                   | 56,736                 
|Fixed rate:                             |                        
|Real estate - one- to four-family       | 161,665                
|- multi-family                          | ---                    
|- commercial                            | 356                    
|- construction or development           | 19,505                 
|Non-real estate - consumer              | 58,179                 
|- commercial business                   | 5,169                  
|Total fixed-rate                        | 244,874                
|Total loans originated                  | 301,610                
|                                        |                        
|Purchases(1):                           |                        
|Real estate - one- to four-family       | ---                    
|- multi-family                          | ---                    
|-commercial                             | ---                    
|- construction or development           | ---                    
|Non-real estate - consumer              | ---                    
|- commercial business                   | ---                    
|Total loans purchased                   | ---                    
|                                        |                        
|Sales and Repayments:                   |                        
|Sales:                                  |                        
|Real estate - one- to four-family       | 62,638                 
|- multi-family                          | --                     
|- commercial                            | --                     
|- construction or development           | --                     
|Non-real estate - consumer              | --                     
|- commercial business                   | ---                    
|Total loans sold                        | 62,638                 
|Principal repayments                    | 236,852                
|Total reductions                        | 299,490                
|Increase (decrease) in other items, net | (1,577)                
|Net increase                            | $       543            

---

|                                | Loans Delinquent For: 
|------------------------------- | ----------------------
|                                | 60-89 Days            
|                                | Number                
|                                | (Dollars in Thousands)
|Real Estate:                    |                       
|One- to four-family             | 45                    
|Multi-family                    | ---                   
|Commercial                      | 3                     
|Construction and
   development | 1                     
|                                |                       
|Consumer                        | 91                    
|Commercial business             | 6                     
|                                |                       
|Total                           | 146                   

---

|                                           | December 31,          
|------------------------------------------ | ----------------------
|                                           | 2002                  
|                                           | (Dollars in Thousands)
|Non-accruing loans:                        |                       
|One- to four-family                        | $  2,136              
|Multi-family                               | ---                   
|Commercial real estate                     | 2,234                 
|Construction and development               | ---                   
|Consumer                                   | 544                   
|Commercial business                        | 118                   
|Total                                      | 5,032                 
|                                           |                       
|Accruing loans delinquent 90 days or
more: |                       
|One- to four-family                        | ---                   
|Multi-family                               | ---                   
|Commercial real estate                     | ---                   
|Construction and development               | ---                   
|Consumer                                   | 64                    
|Commercial business                        | ---                   
|Total                                      | 64                    
|Total nonperfoming loans                   | 5,096                 
|                                           |                       
|Foreclosed assets:                         |                       
|One- to four-family                        | 1,184                 
|Multi-family                               | ---                   
|Commercial real estate                     | 289                   
|Construction and development               | ---                   
|Consumer                                   | 335                   
|Commercial business                        | ---                   
|Total                                      | 1,808                 
|                                           |                       
|Total non-performing assets                | $  6,904              
|Total as a percentage of total assets      | 0.89%                 

---

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|                                                                                                | Year Ended December 31,
|----------------------------------------------------------------------------------------------- | -----------------------
|                                                                                                | 2002                   
|                                                                                                | (Dollars in Thousands) 
|                                                                                                |                        
|Balance at beginning of period                                                                  | $5,449                 
|                                                                                                |                        
|Charge-offs:                                                                                    |                        
|One- to four-family                                                                             | 241                    
|Multi-family                                                                                    | ---                    
|Commercial real estate                                                                          | 520                    
|Construction and development                                                                    | ---                    
|Consumer                                                                                        | 786                    
|Commercial business                                                                             | 268                    
|                                                                                                | 1,815                  
|                                                                                                |                        
|Recoveries:                                                                                     |                        
|One- to four-family                                                                             | 513                    
|Multi-family                                                                                    | ---                    
|Commercial real estate                                                                          | 348                    
|Construction and development                                                                    | ---                    
|Consumer                                                                                        | 64                     
|Commercial business                                                                             | 14                     
|                                                                                                | 939                    
|                                                                                                |                        
|Net charge-offs                                                                                 | 876                    
|Amount acquired with Marion purchase                                                            | ---                    
|Provisions charged to operations                                                                | 1,713                  
|Balance at end of period                                                                        | $6,286                 
|                                                                                                |                        
|Ratio of net charge-offs during the period   to average loans outstanding during the
    period | 0.13%                  
|                                                                                                |                        
|Allowance as a percentage of
   non-performing loans                                            | 123.35%                
|                                                                                                |                        
|Allowance as a percentage of total loans
   (end of period)                                     | 0.97%                  

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|                              | December 31,               
|----------------------------- | ---------------------------
|                              | 2002                       
|                              | Amount ofLoan LossAllowance
|                              |                            
|                              |                            
|One- to four-family           | $1,045                     
|Multi-family                  | 137                        
|Commercial real estate        | 1,087                      
|Construction or
  development | 74                         
|Consumer                      | 3,227                      
|Commercial business           | 656                        
|Unallocated                   | 60                         
|Total                         | $6,286                     

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|                                                           | For the Year Ended December 31,
|---------------------------------------------------------- | -------------------------------
|                                                           | 2002                           
|                                                           | (In Thousands)                 
|                                                           |                                
|Investments in Pedcor low     income housing projects      | $5,616                         
|                                                           |                                
|Equity in losses, net of income                            |                                
|tax effect                                                 | $   (410)                      
|Tax credit                                                 | 845                            
|Increase in after tax income
      from Pedcor Investments | $     435                      

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|                                          |                                     |                                              | December 31,  
|----------------------------------------- | ----------------------------------- | -------------------------------------------- | --------------
|                                          |                                     |                                              | 2002          
|                                          |                                     |                                              | AmortizedCost 
|                                          |                                     |                                              | (In Thousands)
|Investment securities held-to-maturity:   |                                     |                                              |               
|                                          | Federal agency obligations          | $       ---                                  | $       ---   
|                                          | Corporate obligations               | ---                                          | ---           
|                                          | Municipal obligations               | ---                                          | ---           
|                                          |                                     | Total investment securities held to maturity | ---           
|                                          |                                     |                                              |               
|Investment securities available-for-sale: |                                     |                                              |               
|                                          | Mutual funds                        | 15,456                                       | 15,420        
|                                          | Federal agency obligations          | 2,238                                        | 2,322         
|                                          | Mortgage-backed securities          | 6,615                                        | 6,924         
|                                          | Collateralized mortgage obligations | 9,406                                        | 9,515         
|                                          | Corporate obligations               | 7,723                                        | 8,031         
|                                          | Municipal obligations               | 150                                          | 150           
|                                          |                                     | Total investment securities held for sale    | 41,588        
|                                          |                                     |                                              |               
|Trading account securities:               |                                     |                                              |               
|                                          | U.S. Treasury obligations           | ---                                          | ---           
|                                          |                                     | Total trading account securities             | ---           
|                                          |                                     |                                              |               
|Total investment securities               | 41,588                              | 42,362                                       | 30,987        
|Investment in limited partnerships        | 5,616                               | N/A                                          | 5,677         
|Investment in insurance company           | 590                                 | N/A                                          | 590           
|Federal Home Loan Bank stock              | 6,993                               | N/A                                          | 6,993         
|                                          |                                     |                                              |               
|Total investments                         | $54,787                             |                                              | $44,247       

---

|                            | Due in                
|--------------------------- | ----------------------
|                            | Less Than1 Year       
|                            | AmortizedCost         
|                            | (Dollars in Thousands)
|                            |                       
|Corporate obligations       | $  2,726              
|Federal agency obligations  | ---                   
|Municipal obligations       | ---                   
|Mutual funds                | 15,456                
|Mortgage-backed securities: |                       
|Freddie Mac                 | ---                   
|Fannie Mae                  | 124                   
|Ginnie Mae                  | ---                   
|Other                       | ---                   
|                            | $18,306               
|                            |                       
|Weighted average yield      | 3.25%                 

---

|                                   | December 31,          
|---------------------------------- | ----------------------
|                                   | 2002                  
|                                   | Amount                
|                                   | (Dollars in Thousands)
|Transactions and Savings Deposits: |                       
|                                   |                       
|Noninterest bearing accounts       | $  30,058             
|Passbook accounts                  | 54,677                
|Interest-bearing NOW and           |                       
|demand accounts                    | 61,353                
|Money market accounts              | 45,330                
|                                   |                       
|Total non-certificates             | 191,418               
|                                   |                       
|Certificates:                      |                       
|                                   |                       
|0.00 -  1.99%                      | 36,409                
|2.00 -  3.99%                      | 175,128               
|4.00 -  5.99%                      | 96,278                
|6.00 -  7.99%                      | 50,529                
|8.00 -  9.99%                      | 602                   
|10.00% and over                    | ---                   
|                                   |                       
|Total certificates                 | 358,946               
|Total deposits                     | $550,364              

---

|                                               | 1.00-1.99%             | 2.00-3.99% | 4.00-5.99% | 6.00-7.99% | 8.00-9.99% | Total     | PercentofTotal
|---------------------------------------------- | ---------------------- | ---------- | ---------- | ---------- | ---------- | --------- | --------------
|                                               | (Dollars in Thousands)
|Certificate accountsmaturing in quarterending: |                        |            |            |            |            |           |               
|                                               |                        |            |            |            |            |           |               
|March 31, 2003                                 | $16,276                | $  26,693  | $24,673    | $  1,288   | $358       | $  69,288 | 19.30%        
|June 30, 2003                                  | 7,893                  | 38,457     | 8,267      | 662        | 160        | 55,439    | 15.44         
|September 30, 2003                             | 5,431                  | 25,884     | 3,692      | 411        | 80         | 35,498    | 9.89          
|December 31, 2003                              | 6,684                  | 38,839     | 1,273      | 258        | 4          | 47,058    | 13.11         
|March 31, 2004                                 | 3                      | 15,735     | 4,942      | 679        | ---        | 21,359    | 5.95          
|June 30, 2004                                  | 107                    | 13,543     | 1,472      | 30         | ---        | 15,152    | 4.22          
|September 30, 2004                             | 15                     | 7,819      | 1,078      | 119        | ---        | 9,031     | 2.52          
|December 31, 2004                              | ---                    | 1,922      | 1,579      | 2,610      | ---        | 6,111     | 1.70          
|March 31, 2005                                 | ---                    | 159        | 4,270      | 19,012     | ---        | 23,441    | 6.53          
|June 30, 2005                                  | ---                    | 290        | 9,678      | 13,419     | ---        | 23,387    | 6.52          
|September 30, 2005                             | ---                    | 1,689      | 4,133      | 6,092      | ---        | 11,914    | 3.32          
|December 31, 2005                              | ---                    | 1,719      | 579        | 5,177      | ---        | 7,475     | 2.08          
|Thereafter                                     | ---                    | 2,379      | 30,642     | 772        | ---        | 33,793    | 9.41          
|                                               |                        |            |            |            |            |           |               
|Total                                          | $36,409                | $175,128   | $96,278    | $50,529    | $602       | $358,946  | 100.00%       
|                                               |                        |            |            |            |            |           |               
|Percent of total                               | 10.14%                 | 48.79%     | 26.82%     | 14.08%     | 0.17%      | 100.00%   |               

|                                            | Maturity        |                 
|------------------------------------------- | --------------- | ----------------
|                                            | 3 Monthsor Less | Over3 to 6Months
|                                            | (In Thousands) 
|                                            |                 |                 
|Certificates of deposit less than $100,000  | $54,809         | $45,298         
|                                            |                 |                 
|Certificates of deposit of $100,000 or more | 12,982          | 8,641           
|                                            |                 |                 
|Public funds (1)                            | 1,497           | 1,500           
|                                            |                 |                 
|Total certificates of deposit               | $69,288         | $55,439         

---

|                 |                                                | Year Ended December 31,
|---------------- | ---------------------------------------------- | -----------------------
|                 |                                                | 2002                   
|                 |                                                | (In Thousands)         
|Maximum Balance: |                                                |                        
|                 | FHLB advances                                  | $117,386               
|                 | Securities sold under agreements to repurchase | ---                    
|                 | Other borrowings                               | 3,259                  
|                 |                                                |                        
|Average Balance: |                                                |                        
|                 | FHLB advances                                  | $110,609               
|                 | Securities sold under agreements to repurchase | ---                    
|                 | Other borrowings                               | 3,103                  

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|                                             |                                     |                  | December 31,          
|-------------------------------------------- | ----------------------------------- | ---------------- | ----------------------
|                                             |                                     |                  | 2002                  
|                                             |                                     |                  | (Dollars in Thousands)
|                                             |                                     |                  |                       
|FHLB advances                                | $115,403                            | $107,485         | $112,542              
|Securities sold under agreements to          |                                     |                  |                       
|                                             | repurchase                          | ---              | ---                   
|Other borrowings                             | 2,884                               | 3,259            | 3,640                 
|                                             |                                     |                  |                       
|                                             |                                     | Total borrowings | $118,287              
|                                             |                                     |                  |                       
|Weighted average interest rate of FHLB       |                                     |                  |                       
|                                             | advances                            | 5.09%            | 5.17%                 
|                                             |                                     |                  |                       
|Weighted average interest rate of securities |                                     |                  |                       
|                                             | sold under agreements to repurchase | ---%             | ---%                  
|                                             |                                     |                  |                       
|Weighted average interest rate of other      |                                     |                  |                       
|                                             | borrowings                          | ---%             | ---%                  

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|Plan Category             | Number of securities tobe issued upon exerciseof outstanding options
warrants and rights | Weighted-averageexercise price ofoutstanding options
warrants and rights | Number of Securitiesremaining available  for
future issuance underequity compensationplans
|------------------------- | ---------------------------------------------------------------------------------------- | ------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------
|                          |                                                                                          |                                                                          |                                                                                           
|Equity compensation plans |                                                                                          |                                                                          |                                                                                           
|                          | approved by security                                                                     |                                                                          |                                                                                           
|                          | holders                                                                                  | 532,086                                                                  | $14.32                                                                                    
|                          |                                                                                          |                                                                          |                                                                                           
|Equity compensation plans |                                                                                          |                                                                          |                                                                                           
|                          | not approved by security                                                                 |                                                                          |                                                                                           
|                          | holders                                                                                  | ---                                                                      | ---                                                                                       

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|Annual Report Section                                                                                    | Page inAnnual Report
|-------------------------------------------------------------------------------------------------------- | --------------------
|Independent Accountant's Report                                                                          | 17                  
|Consolidated Balance Sheets at December 31, 2002 and 2001                                                | 18                  
|Consolidated Statements of Income for the Years Ended December 31, 2002, 2001 and 2000                   | 19                  
|Consolidated Statements of Stockholders' Equity for the Years Ended December 31, 2002,
    2001 and 2000 | 20                  
|Consolidated Statements of Cash Flows for the Years Ended December 31, 2002, 2001 and
     2000          | 21                  
|Notes to Consolidated Financial Statements                                                               | 22 to 46            

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|**RegulationS-KExhibitNumber** | **Document**                                                                                                                                                                                                                                                   | **Reference to****Prior Filing or****Exhibit Number****Attached

Hereto**
|------------------------------ | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------
|                               |                                                                                                                                                                                                                                                                |                                                                          
|2                              | Plan of acquisition, reorganization, arrangement, liquidation or succession                                                                                                                                                                                    | None                                                                     
|3(i)                           | Articles of Incorporation                                                                                                                                                                                                                                      | *                                                                        
|3(ii)                          | Amended Bylaws                                                                                                                                                                                                                                                 | ++                                                                       
|4                              | Instruments defining the rights of security holders, including indentures:                                                                                                                                                                                     |                                                                          
|                               | Form of *MutualFirst* Financial, Inc. Common Stock Certificate                                                                                                                                                                                                 | *                                                                        
|9                              | Voting Trust Agreement                                                                                                                                                                                                                                         | None                                                                     
|10                             | Material contracts:Employment Agreement with R. Donn RobertsEmployment Agreement with Timothy J. McArdleEmployment Agreement with Steven L. Banks                                                                                                              | **

**++                                                                 
|                               | Form of Supplemental Retirement Plan Income Agreements for R. DonnRoberts, Steven Campbell, David W. Heeter, Timothy J. McArdle andStephen C. Selby                                                                                                            | **                                                                       
|                               | Form of Director Shareholder Benefit Program, as amended, for Steven L. Banks

Form of Executive Shareholder Benefit Program Agreement, as amended, forSteven L. BanksForm of Director Shareholder Benefit Program Agreement, as amended, forJerry D. McVicker | ++++++                                                                   
|                               | Form of Agreements for Executive Deferred Compensation Plan for R. Donn Roberts,Steven Campbell, David W. Heeter, Timothy J. McArdle and Stephen C. Selby                                                                                                      | **                                                                       
|                               | Registrant's 2000 Stock Option and Incentive Plan                                                                                                                                                                                                              | ***                                                                      
|                               | Registrant's 2000 Recognition and Retention Plan                                                                                                                                                                                                               | ***                                                                      
|11                             | Statement re computation of per share earnings                                                                                                                                                                                                                 | None                                                                     
|12                             | Statements re computation of ratios                                                                                                                                                                                                                            | None                                                                     
|13                             | Annual Report to Security Holders                                                                                                                                                                                                                              | 13                                                                       
|16                             | Letter re change in certifying accountant                                                                                                                                                                                                                      | None                                                                     
|18                             | Letter re change in accounting principles                                                                                                                                                                                                                      | None                                                                     
|21                             | Subsidiaries of the registrant                                                                                                                                                                                                                                 | 21                                                                       
|22                             | Published report regarding matters submitted to vote of security holders                                                                                                                                                                                       | None                                                                     
|23                             | Consents of Experts and Counsel                                                                                                                                                                                                                                | 23                                                                       
|24                             | Power of Attorney                                                                                                                                                                                                                                              | None                                                                     
|99                             | Certification pursuant to Section 906 of the Sarbanes-Oxley Act of 2002                                                                                                                                                                                        | 99                                                                       

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| |     | *MutualFirst* Financial, Inc.                                                                          
| | --- | -------------------------------------------------------------------------------------------------------
| |     |                                                                                                        
| |     |                                                                                                        
| | By: | /s/ R. Donn Roberts                                                                                    
| |     | R. Donn Roberts, President, Chief Executive Officer

   and Director *(Duly Authorized
Representative)*

|/s/ R. Donn Roberts                                                                               | /s/ Wilbur R. Davis                                                                                               
|------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------
|R. Donn Roberts, President, Chief Executive
Officer and Director  *(Principal Executive Officer)* | Wilbur R. Davis, Chairman of the Board                                                                            
|                                                                                                  |                                                                                                                   
|Date:           March 28, 2003                                                                    | Date:           March 28, 2003                                                                                    
|                                                                                                  |                                                                                                                   
|/s/ Linn A. Crull                                                                                 | /s/ Edward J. Dobrow                                                                                              
|Linn A. Crull, Director                                                                           | Edward J. Dobrow, Director                                                                                        
|                                                                                                  |                                                                                                                   
|Date:           March 28, 2003                                                                    | Date:           March 28, 2003                                                                                    
|                                                                                                  |                                                                                                                   
|                                                                                                  |                                                                                                                   
|/s/ William V. Hughes                                                                             | /s/ James D. Rosema                                                                                               
|William V. Hughes, Director                                                                       | James D. Rosema, Director                                                                                         
|                                                                                                  |                                                                                                                   
|Date:           March 28, 2003                                                                    | Date:           March 28, 2003                                                                                    
|                                                                                                  |                                                                                                                   
|                                                                                                  |                                                                                                                   
|/s/ Julie A. Skinner                                                                              | /s/ Jerry D. McVicker                                                                                             
|Julie A. Skinner, Director                                                                        | Jerry D. McVicker                                                                                                 
|                                                                                                  |                                                                                                                   
|Date:           March 28, 2003                                                                    | Date:           March 28, 2003                                                                                    
|                                                                                                  |                                                                                                                   
|                                                                                                  |                                                                                                                   
|/s/ Steven L. Banks                                                                               | /s/ Jon M. Dalton                                                                                                 
|Steven L. Banks, Director                                                                         | John M. Dalton, Director                                                                                          
|                                                                                                  |                                                                                                                   
|Date:           March 28, 2003                                                                    | Date:           March 28, 2003                                                                                    
|                                                                                                  |                                                                                                                   
|                                                                                                  |                                                                                                                   
|/s/ Jon R. Marler                                                                                 | /s/ Timothy J. McArdle                                                                                            
|Jon R. Marler, Director                                                                           | Timothy J. McArdle, Senior Vice President,
Treasurer and Controller *(Principal Financial and
Accounting Officer)*
|                                                                                                  |                                                                                                                   
|Date:           March 28, 2003                                                                    | Date:           March 28, 2003                                                                                    

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|Date:           March 28, 2003 |  | By: | /s/ R. Donn Roberts

R. Donn Roberts

President and Chief Executive Officer
|------------------------------ |  | --- | ---------------------------------------------------------------------------

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|Date:           March 28, 2003 |  | By: | /s/ Timothy J. McArdle

Timothy J. McArdle

Treasurer and Chief Financial Officer(Principal Financial and Accounting Officer)
|------------------------------ |  | --- | -----------------------------------------------------------------------------------------------------------------------------

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|Number |  | Description                                                      
|------ |  | -----------------------------------------------------------------
|       |  |                                                                  
|13     |  | Portions of Annual Report to Security Holders                    
|       |  |                                                                  
|21     |  | Subsidiaries of the Registrant                                   
|       |  |                                                                  
|23     |  | Consent of Accountants                                           
|       |  |                                                                  
|99     |  | Certification under Section 906 of the Sarbanes-Oxley Act of 2002

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