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<S>                                                              <C>                                                     <C>
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          Form 5500                             Annual Return/Report of Employee Benefit Plan                    Official Use Only
  Department of the Treasury    This form is required to be filed under sections 104 and 4065 of the Employee    OMB Nos. 1210-0110
   Internal Revenue Service  Retirement Income Security Act of 1974 (ERISA) and sections 6039D, 6047(e),                  1210-0089
                                        6057(b), and 6058(a) of the Internal Revenue Code (the Code).
     Department of Labor
Pension and Welfare Benefits                                                                                            1999
       Administration                             Complete all entries in accordance with
                                                   the instructions to the Form 5500
   Pension Benefit Guaranty                                                                                    The Form is Open to
         Corporation                                                                                            Public Inspection
-----------------------------------------------------------------------------------------------------------------------------------
Part I                Annual Report Identification Information
-----------------------------------------------------------------------------------------------------------------------------------
For the calendar plan year 1999 or fiscal plan year beginning   10/01/1999, and ending    09/30/2000
-----------------------------------------------------------------------------------------------------------------------------------
A.  This return/report is for:          (1) [ ] a multiemployer plan;                  (3) [ ] a multiple-employer plan;
                                        (2) [X] a single-employer plan (other          (4) [ ] a DFE (specify) ____________
                                                than a multiple-employer plan)
B.  This return/report is               (1)  the first return/report filed for the     (3)  the final return/report filed for the
                                             plan;                                          plan;
                                        (2)  an amended return/report;                 (4)  a short plan year return/report (less
                                                                                            than 12 months).
C.  If the plan is a collectively-bargained plan, check here
D.  If you filed for an extension of time to file, check the box and attach a copy of the extension application
Part II  Basic Plan Information --  enter all requested information.
1a  Name of plan                                                                        1b  three-digit plan number (PN)    002
The Winton Savings & Loan Company                                                       1c  effective date of plan (mo.day.yr.)
401 (k) Profit Sharing Plan                                                                 10/01/1994

2a  Plan sponsor's name and address (employer, if for a single-employer plan)           2b  Employer Identification Number (EIN)
        (Address should include room or suite no.)                                            31-0493160

Winton Savings & Loan Company                                                           2c  Sponsor's telephone number
5511 Cheviot Road                                                                                  513-385-3880
Cincinnati, Ohio 45247
                                                                                        2d  Business code (see instruction)
                                                                                                        522120
Caution:  A penalty for the late or incomplete filing of this return/report will be assessed unless reasonable cause is established.
         Under penalties of perjury and other penalties set forth in the instruction, I declare that I have examined this
return/report, including accompanying schedules, statements and attachments, and to the best of my knowledge and belief, it is true,
correct and complete.

/s/ Nancy B. Nagele                      05/02/2001                    Nancy B. Nagele
Signature of plan administrator          Date                          Typed or printed name of individual signing as plan
                                                                       administrator

/s/ Nancy B. Nagele                      05/02/2001                    Nancy B. Nagele
Signature of employer/plan sponsor/DFE   Date                          Typed or printed name of individual signing as employer, plan
                                                                       sponsor or DFE as applicable
For Paperwork Reduction Act Notice and OMB Control Numbers, see the instructions for Form 5500
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<S>                                                     <C>                                                      <C>
(Form 5500 (1999)                                                                                                       Page 2


3a  Plan administrator's name and address (if same as plan sponsor, enter "Same")               3b  Administrator's EIN
           Same
                                                                                                3c  Administrator's telephone number
4   If the name and/or EIN of the plan sponsor has changed since the last return/report filed   b  EIN
    for this plan, enter the name, EIN and the plan umber from the last return/report below:
                                                                                                c  PN
      a  Sponsor's name
5   Preparer information (optional)       a   Name (including firm name, if applicable) and     b  EIN
    address
                                                                                                c  Telephone no.

6  Total number of participants at the beginning of the plan year                            6           76
7  Number of participants as of the end of the plan year (welfare plans complete only
    lines 7a, 7b, 7c and 7d)
    a  Active participants                                                                   7a          72
    b  Retired or separated participants receiving benefits                                  7b           0
    c  Other retired or separated participants entitled to future benefits                   7c           0
    d  Subtotal.  Add lines 7a, 7b, and 7c                                                   7d          72
    e  Deceased participants whose beneficiaries are receiving or are entitled to receive    7e           0
    benefits
    f  Total.  Add lines 7d and 7e                                                           7f          72
    g  Number of participants with account balances as of the end of the plan year (only     7g
    defined contribution plans complete this item)                                                       84
    h  Number of participants that terminated employment during the plan year with accrued   7h
    benefits that were less than 100% vested                                                              0
    i  If any participant(s) separated from service with a deferred vested benefit, enter    7i
    the number of separated participants required to be reported on a Schedule SSA (Form                  4
    5500)
8  Benefits provided under the plan (complete 8a through 8c, as applicable)
    a  X   Pension benefits (check this box if the plan provides pension benefits and enter the applicable pension feature codes
           from the List of Plan Characteristics Codes (printed in the instructions)):       2G   2K    2C
    b      Welfare benefits (check this box if the plan provides welfare benefits and enter the applicable welfare feature codes
           from the List of Plan Characteristics Codes (printed in the instructions)):
    c      Fringe benefits (check this box if the plan provides fringe benefits)
9a  Plan funding arrangement (check all that apply)                       9b  Plan benefit arrangement (check all that apply)
     (1)      Insurance                                                       (1)      Insurance
     (2)      Section 412(i) insurance contracts                              (2)      Section 412(i) insurance contracts
     (3)  X   Trust                                                           (3)  X   Trust
     (4)      General assets of the sponsor                                   (4)      General assets of the sponsor
10  Schedules attached (Check all applicable boxes and, where indicated, enter the number attached.  See instructions.)
     a  Pension Benefit Schedules                                          b   Financial Schedules
       (1)          R  (Retirement Plan Information)                           (1)          H  (Financial Information
       (2)  X   1   T  (Qualified Pension Plan Coverage Information)           (2)  X       I  (Financial Information - Small Plan)
           If a Schedule T is not attached because the plan is                 (3)     ___  A  (Insurance Information)
           relying on coverage testing information for a prior                 (4)          C  (Service Provider Information)
           year, enter the year   ____                                         (5)          D  (DFE/Participating Plan Information)
       (4)          E  (ESOP Annual Information)                               (6)          G  (Financial Transaction Schedules)
       (5)  X       SSA  (Separated Vested Participant Information)            (7)  X   1   P  (Trust Fiduciary Information)

                                                                           c   Fringe Benefit Schedule
                                                                                      F   (Fringe Benefit Plan Annual Information)
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<S>                                                             <C>                                                      <C>
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          SCHEDULE I                            Annual Return/Report of Employee Benefit Plan                  Official Use Only
          Form 5500                                                                                            OMB No. 1210-0110
  Department of the Treasury      This schedule is required to be filed under sections 104 and 4065 of the
   Internal Revenue Service      Employee Retirement Income Security Act of 1974 (ERISA) and section 6058(a)
                                                of the Internal Revenue Code (the Code).
     Department of Labor                                                                                               1999
 Pension and Welfare Benefits
        Administration
   Pension Benefit Guaranty                                                                                   The Form is Open to
         Corporation                                 File as an attachment to Form 5500                        Public Inspection
-----------------------------------------------------------------------------------------------------------------------------------
For the Calendar plan year 1999 or fiscal plan year beginning   10/01/1999, and ending    09/30/2000
-----------------------------------------------------------------------------------------------------------------------------------
A  Name of Plan                                                                             B    Three-digit
The Winton Savings & Loan Company 401(k) Profit Sharing Plan                                     plan number        002
-----------------------------------------------------------------------------------------------------------------------------------
C  Plan sponsor's name as shown on line 2a of Form 5500                                     D  Employer Identification Number
   Winton Savings & Loan                                                                              31-0493160
-----------------------------------------------------------------------------------------------------------------------------------
Complete Schedule I if the plan covered fewer than 100 participants as of the beginning of the plan year.  You may also complete
Schedule I if you are filing as a small plan under the 80-120 participant rule (see instructions).  Complete Schedule H if reporting
as a large plan or DFE.
-----------------------------------------------------------------------------------------------------------------------------------
Part I                Small Plan Financial Information
-----------------------------------------------------------------------------------------------------------------------------------
Report below the current value of assets and liabilities, income, expenses, transfers and changes in net assets during the plan
year. Combine the value of plan assets held in more than one trust.  Do not enter the value of the portion of an insurance contract
that guarantees during this plan year to pay a specific dollar benefit at a future date.  Include all income and expenses of the
plan including any trust(s) or separately maintained fund(s) and any payments/receipts to/from insurance carriers.  Round off
amounts to the nearest dollar.
-----------------------------------------------------------------------------------------------------------------------------------
1  Plan Assets and Liabilities:                                                         (a) Beginning of Year       (b) End of Year
-----------------------------------------------------------------------------------------------------------------------------------
  a  Total plan assets                                                       1a              3,842,923                   3,369,354
-----------------------------------------------------------------------------------------------------------------------------------
  b  Total plan liabilities                                                  1b
-----------------------------------------------------------------------------------------------------------------------------------
  c  Net plan assets (subtract line 1b from line 1a)                         1c              3,842,923                   3,369,354
-----------------------------------------------------------------------------------------------------------------------------------
2  Income, expenses, and Transfers for this Plan Year:                                        (a) Amount                (b) Total
-----------------------------------------------------------------------------------------------------------------------------------
  a  Contributions received or receivable
-----------------------------------------------------------------------------------------------------------------------------------
    (1)  Employers                                                           2a(1)              19,897
-----------------------------------------------------------------------------------------------------------------------------------
    (2)  Participants                                                        2a(2)             100,551
-----------------------------------------------------------------------------------------------------------------------------------
    (3)  Others (including rollovers)                                        2a(3)               8,507
-----------------------------------------------------------------------------------------------------------------------------------
  b  Noncash contributions                                                   2b
-----------------------------------------------------------------------------------------------------------------------------------
  c  Other Income                                                            2c               -537,227
-----------------------------------------------------------------------------------------------------------------------------------
  d  Total income (add lines 2a(1), 2a(2), 2a(3), 2b and 2c)                 2d                                           -408,272
-----------------------------------------------------------------------------------------------------------------------------------
  e  Benefits paid (including direct rollovers)                              2e                 65,297
-----------------------------------------------------------------------------------------------------------------------------------
  f  Corrective distributions (see instructions)                             2f
-----------------------------------------------------------------------------------------------------------------------------------
  g  Certain deemed distributions of participant loans (see instructions)    2g
-----------------------------------------------------------------------------------------------------------------------------------
  h  Other expenses                                                          2h
-----------------------------------------------------------------------------------------------------------------------------------
  i  Total expenses (add lines 2e, 2f, 2g and 2h)                            2i                                             65,297
-----------------------------------------------------------------------------------------------------------------------------------
  j  Net income (loss) (subtract line 2i from line 2d)                       2j                                           -473,569
-----------------------------------------------------------------------------------------------------------------------------------
  k  Net transfers                                                           2k
-----------------------------------------------------------------------------------------------------------------------------------
3  Specific Assets:  If the plan held any assets in one or more of the following specific categories, check, yes and enter the
current value as of the end of the plan year.  Allocate the value of the plan's interest in a commingled trust containing the assets
of more than one plan on a line-by-line basis unless the trust meets one of the specific exceptions described in the instructions.
-----------------------------------------------------------------------------------------------------------------------------------
                                                                                       Yes      No                  Amount
-----------------------------------------------------------------------------------------------------------------------------------
  a  partnership/joint venture interests                                     3a                  X
-----------------------------------------------------------------------------------------------------------------------------------
  b  Employer real property                                                  3b                  X
-----------------------------------------------------------------------------------------------------------------------------------
For Paperwork Reduction Act Notice and OMB Control Numbers, see the Instructions for Form 5500.  Schedule 1(Form 5500) 1999
-----------------------------------------------------------------------------------------------------------------------------------
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<S>                                                                          <C>                                    <C>
Schedule I (Form 5500 (1999)                                                                                           Page 2

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                                                                                       Yes      No                  Amount
-----------------------------------------------------------------------------------------------------------------------------------
  3c  Real estate (other than employer real property)                         3c                X
-----------------------------------------------------------------------------------------------------------------------------------
   d  Employer securities                                                     3d                X
-----------------------------------------------------------------------------------------------------------------------------------
   e  Participant loans                                                       3e        X                           142,799
-----------------------------------------------------------------------------------------------------------------------------------
   f  Loans (other than to participants)                                      3f                X
-----------------------------------------------------------------------------------------------------------------------------------
   g  Tangible personal property                                              3g                X
-----------------------------------------------------------------------------------------------------------------------------------
Part II      Transactions During Plan Year
-----------------------------------------------------------------------------------------------------------------------------------
  4   During the plan year                                                             Yes      No                  Amount
-----------------------------------------------------------------------------------------------------------------------------------
   a  Did the employer fail to transmit to the plan any participant
   contributions within the maximum time period described in 29               4a                X
   CFR2510.3-102?  (See Instructions)
-----------------------------------------------------------------------------------------------------------------------------------
   b  Were any loans by the plan or fixed income obligations due the plan
   in default as of the close of the plan year to classified during           4b                X
-----------------------------------------------------------------------------------------------------------------------------------
   c  Were any leases to which the plan was a party in default or
   classified during the year as uncollectible?                               4c                X
-----------------------------------------------------------------------------------------------------------------------------------
   d  Did the plan engage in any nonexempt transaction with any               4d                X
   party-in-interest?
-----------------------------------------------------------------------------------------------------------------------------------
   e  Was the plan covered by a fidelity bond?                                4e        X                           5,000,000
-----------------------------------------------------------------------------------------------------------------------------------
   f  Did the plan have a loss, whether or not reimbursed by the plans'
   fidelity bond, that was caused by fraud or dishonesty?                     4f                X
-----------------------------------------------------------------------------------------------------------------------------------
   g  Did the plan hold any assets whose current value was neither readily
   determinable on an established market nor set by an independent third      4g                X
   party appraiser?
-----------------------------------------------------------------------------------------------------------------------------------
   h  Did the plan receive any noncash contributions whose value was
   neither readily determinable on an established market nor set by an        4h                X
   independent third party appraiser?
-----------------------------------------------------------------------------------------------------------------------------------
   i  Did the plan at any time hold 20% or more of its assets in any single
   security, debt, mortgage, parcel of real estate, or partnership, joint     4i                X
   venture interest?
-----------------------------------------------------------------------------------------------------------------------------------
   j  Were all the plan assets either distributed to participants or
   beneficiaries, transferred to another plan or brought under the control    4j                X
   of the PBGC?
-----------------------------------------------------------------------------------------------------------------------------------
5a  Has a resolution to terminate the plan been adopted during the plan year or any prior plan year?  If yes, enter the amount of
any plan assets that reverted to the employer this year                  Yes            X  No             Amount
-----------------------------------------------------------------------------------------------------------------------------------
5b  If during this plan year, any assets or liabilities were transferred from this plan to another plan(s), identify the plan(s) to
which assets or liabilities were transferred.  (See instructions.)
     5b(1)  Name of plan(s)                              5b(2)   EIN(s)                            5b(3)  PN(s)
-----------------------------------------------------------------------------------------------------------------------------------
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<S>                                                             <C>                                                <C>
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          SCHEDULE P                                     Annual Return of Fiduciary                            Official Use Only
         (FORM 5500)                                      of Employee Benefit Trust                            OMB No. 1210-0110
                                This schedule may be filed to satisfy the requirements under section 6033(a)
                                   for an annual information return from every section 401(a) organization
                                                    exempt from tax under section 501(a).                                1999
                                 Filing this form will start the running of the statute of limitations under
  Department of the Treasury      section 6501(a) for any trust described in section 401(a) that is exempt
   Internal Revenue Service                            from tax under section 501(a).                           The Form is Open to
                                               File as an attachment to Form 5500 or 5500-EZ.                    Public Inspection
-----------------------------------------------------------------------------------------------------------------------------------
For trust calendar year 1999 or fiscal year beginning          10/01/1999                     and ending     09/30/2000
-----------------------------------------------------------------------------------------------------------------------------------
1a  Name of trustee or custodian

The Winton Savings & Loan Company
-----------------------------------------------------------------------------------------------------------------------------------
 b  Number, street, and room or suite no. (if a P.O. box, see the instructions for Form 5500 or 5500 EZ.)

5511 Cheviot Road
-----------------------------------------------------------------------------------------------------------------------------------
 c  City or town, state, and ZIP code

Cincinnati, Ohio 45247
-----------------------------------------------------------------------------------------------------------------------------------
2a Name of trust
The Winton Savings & Loan Company 401(k) Profit Sharing Plan
-----------------------------------------------------------------------------------------------------------------------------------
 b  Trust's employer identification number                 31-0493160
-----------------------------------------------------------------------------------------------------------------------------------
3  Name of plan if different from name of trust


-----------------------------------------------------------------------------------------------------------------------------------
4  Have you furnished the participating employee benefit plan(s) with the trust financial information required to be reported by the
plan(s)?                                                                                             X  Yes       No
-----------------------------------------------------------------------------------------------------------------------------------
5  Enter the plan sponsor's employer identification number as shown on Form 5500 or 5500 EZ             31-0493160
-----------------------------------------------------------------------------------------------------------------------------------
Under penalties of perjury, I declare that I have examined this schedule, and to the best of my knowledge and belief it is true,
correct, and complete

Signature of fiduciary  /s/ Nancy B. Nagele                                                      Date  05/02/2001
-----------------------------------------------------------------------------------------------------------------------------------
For the Paperwork Reduction Notice and OMB Control Numbers,
see the instructions for Form 5500 or 5500-EZ
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<S>                                                                <C>                                              <C>
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         SCHEDULE SSA                        Annual Registration Statement Identifying Separated               Official Use Only
         (Form 5500)                             Participants With Deferred Vested Benefits                    OMB No. 1210-0110
                                             Under Section 6057(a) of the Internal Revenue Code
                                                                                                                        1999
  Department of the Treasury
   Internal Revenue Service                          File as an attachment to Form 5500                     This Form is NOT Open
                                                                                                             to Public Inspection
-----------------------------------------------------------------------------------------------------------------------------------

For the Calendar plan year 1999 or fiscal plan year beginning   10/01/1999, and ending    09/30/2000
-----------------------------------------------------------------------------------------------------------------------------------
A  Name of Plan                                                                          B    Three-digit
The Winton Savings & Loan Company 401(k) Profit Sharing Plan                                  plan number             002
-----------------------------------------------------------------------------------------------------------------------------------
C  Plan sponsor's name as shown on line 2a of Form 5500                                  D  Employer Identification Number
       Winton Savings & Loan                                                                          31-0493160
-----------------------------------------------------------------------------------------------------------------------------------
1   Check here if additional participants are shown on attachments.  All attachments must include the sponsor's name, EIN, name of
    plan, plan number, and column identification letter for each column completed for line 4.
-----------------------------------------------------------------------------------------------------------------------------------
    Check here if plan is a government, church or other plan that elects to voluntarily file Schedule SSA.  If so, complete lines
    2 through 3c, and the signature area.  Otherwise, complete the signature area only.
-----------------------------------------------------------------------------------------------------------------------------------
2   Plan sponsor's address (number, street, and room or suite no.)  (If a P.O. box, see the instructions for line 2.)

-----------------------------------------------------------------------------------------------------------------------------------
    City, or town, state, and Zip code

-----------------------------------------------------------------------------------------------------------------------------------
3a  Name of plan administrator (if other than sponsor)

-----------------------------------------------------------------------------------------------------------------------------------
3b  Administrator's EIN
-----------------------------------------------------------------------------------------------------------------------------------
3c  Number, street, and room or suite no. (If a P.O. box, see the instructions for line 2.)

-----------------------------------------------------------------------------------------------------------------------------------
    City, or town, state, and Zip code

-----------------------------------------------------------------------------------------------------------------------------------
Under penalties of perjury, I declare that I have examined this report, and to the best of my knowledge and belief, it is true,
correct and complete.

Signature of plan administrator     /s/ Nancy B. Nagele

Phone number of plan administrator                                              Date  05/02/2001
-----------------------------------------------------------------------------------------------------------------------------------
For Paperwork Reduction Act Notice and OMB Control Numbers, see the instructions for Form 5500.

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<S>                                                             <C>                                                     <C>
Schedule SSA (Form 5500) 1999                                                                                           Page 2
-----------------------------------------------------------------------------------------------------------------------------------
4  Enter one of the following Entry Codes in column (a) for each separated participant with deferred vested:
   Code A -  has not previously been reported.
   Code B - has previously been reported under the above plan number but requires revisions to the information previously reported
   Code C - has previously been reported under another plan number but will be receiving their benefits from the plan listed above
            instead.
   Code D - has previously been reported under the above plan number but is no longer entitled to those deferred vested benefits.
-----------------------------------------------------------------------------------------------------------------------------------
                           Use with entry code                                                  Use with entry code
                          "A," "B," "C," or "D"                                                      "A" or "B"
-----------------------------------------------------------------------------------------------------------------------------------
   (a)           (b)                       (c)                                         Enter code for      Amount of vested benefit
 Entry         Social             Name of Participant                                    nature and
  Code        Security                                                                     form of
               Number                                                                      benefit
------      -----------       -----------------------------                          -----------------      ----------------------

                                                                                                                       (f)
                                                                                       (d)           (e)         Defined benefit
                                                                                     Type of       Payment       plan - periodic
                                                                                     annuity      frequency           payment
                                                                                   ------------------------------------------------

  A        ###-##-####             JAMES BRIGGER                                        A             A
                                                                                   ------------------------------------------------

  A        ###-##-####             CAROL SMART                                          A             A
                                                                                   ------------------------------------------------

  A        ###-##-####            SALVATORE MAGRO                                       A             A
                                                                                   ------------------------------------------------

  A        ###-##-####            TRACIE METZGER                                        A             A
                                                                                   ------------------------------------------------
                             Use with entry code                                            Use with entry code
                                  "A" or "B"                                                        "C"
                           Amount of vested benefit                 --------------------------------------------------------------
                          Defined contribution plan
                                                                                  (i)                               (j)
  (a)               (g)                                (h)                Previous sponsor's                     Previous
 Entry           Units or           Share         Total value                 employer                        plan number
  Code           Shares           indicator       of account           identification number
                                                                     --------------------------------------------------------------

                                                   308,234.00
                                                                     --------------------------------------------------------------

                                                    18,573.18
                                                                     --------------------------------------------------------------

                                                     1,300.60
                                                                     --------------------------------------------------------------

                                                    67,187.81
                                                                     --------------------------------------------------------------

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<S>                                                             <C>                                                    <C>
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          SCHEDULE T                             Qualified Pension Plan Coverage Information                    Official Use Only
         (Form 5500)                                                                                           OMB Nos. 1210-0110
                                       This form is required to be filed under section 6058(a) of the
                                                      Internal Revenue Code (the Code).                                 1999
  Department of the Treasury
   Internal Revenue Service                          File as an attachment to Form 5500                       This Form is Open to
                                                                                                                Public Inspection
----------------------------------------------------------------------------------------------------------------------------------
For the Calendar plan year 1999 or fiscal plan year beginning   10/01/1999, and ending    09/30/2000
----------------------------------------------------------------------------------------------------------------------------------
A  Name of Plan                                                                         B    Three-digit
The Winton Savings & Loan Company 401(k) Profit Sharing Plan                                 plan number          002
----------------------------------------------------------------------------------------------------------------------------------
C  Plan sponsor's name as shown on line 2a of Form 5500                                 D  Employer Identification Number
       Winton Savings & Loan                                                                     31-0493160
----------------------------------------------------------------------------------------------------------------------------------
Note:  If the plan is maintained by:
       More than one employer and benefits employees who are not collectively-bargained employees, a separate Schedule T may be
       required for each employer (see the instruction for line 1).
       An employer that operates qualified separate lines of business (QSLOBs) under Code section 414(r), a separate Schedule T
       may be required for each QSLOB (see the instruction for line 2).
----------------------------------------------------------------------------------------------------------------------------------
1   If this schedule is being filed to provide coverage information regarding the noncollectively bargained employees of an employer
    participating in a plan maintained by more than one employer, enter the name and EIN of the participating employer:
----------------------------------------------------------------------------------------------------------------------------------
1a  Name of participating employer                                                      1b  Employer identification number
----------------------------------------------------------------------------------------------------------------------------------
2   If the employer maintaining the plan operates QSLOBs, enter the following information:
----------------------------------------------------------------------------------------------------------------------------------
    a  The number of QSLOBs that the employer operates is
----------------------------------------------------------------------------------------------------------------------------------
    b  The number of such QSLOBs that have employees benefiting under this plan is
----------------------------------------------------------------------------------------------------------------------------------
    c  Does the employer apply the minimum coverage requirements to this plan on an employer-wide rather than a QSLOB
       basis?          Yes            No
----------------------------------------------------------------------------------------------------------------------------------
    d  If the entry on line 2b is two or more and line 2c is "No," identify the QSLOB to which the coverage information given on
       line 3 or 4 relates.

----------------------------------------------------------------------------------------------------------------------------------
3   Exceptions - Check the box before each statement that describes the plan or the employer.
    If you check any box, do not complete the rest of this Schedule.
----------------------------------------------------------------------------------------------------------------------------------
    a      The employer employs only highly compensated employees (HCEs).
----------------------------------------------------------------------------------------------------------------------------------
    b      No HCEs benefited under the plan at anytime during the plan year.
----------------------------------------------------------------------------------------------------------------------------------
    c      The plan benefits only collectively bargained employees.
----------------------------------------------------------------------------------------------------------------------------------
    d      The plan benefits all nonexcludable nonhighly compensated employees of the employer (as defined in Code sections
           414(b), (c), and (m)), including leased employees and self-employed individuals.
----------------------------------------------------------------------------------------------------------------------------------
    e      The plan is treated as satisfying the minimum coverage requirements under Code section 410(b)(6)(C).
----------------------------------------------------------------------------------------------------------------------------------
         For Paperwork Reduction Act Notice and OMB Control Numbers, see the instructions for Form 5500
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<S>                                                                  <C>                                                  <C>
Schedule T (Form 5500) 1999                                                                                             Page 2
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3   Enter the date the plan year began for which coverage data is being submitted.       Month   09       Day 30        Year 2000
----------------------------------------------------------------------------------------------------------------------------------
    a  Did any leased employees perform services for the employer at any time during the plan year?         Yes          X  No
----------------------------------------------------------------------------------------------------------------------------------
    b  In testing whether the plan satisfies the coverage and nondiscrimination tests of Code sections 410(b) and 401(a)(4),
    does the employer aggregate plans?                                                                      Yes          X  No
----------------------------------------------------------------------------------------------------------------------------------
    c  Complete the following:
----------------------------------------------------------------------------------------------------------------------------------
       (1)  Total number of employees of the employer (as defined in Code section 414(b),       c(1)    122
        (c), and (m)), including leased employees and self-employed individuals
----------------------------------------------------------------------------------------------------------------------------------
       (2)  Number of excludable employees as defined in IRS regulations (see instructions)     c(2)    15
----------------------------------------------------------------------------------------------------------------------------------
       (3)  Number of nonexcludable employees.  (Subtract line 4c(2) from line 4c(1))           c(3)    107
----------------------------------------------------------------------------------------------------------------------------------
       (4)  Number of nonexcludable employees (line 4c(3)) who are HCEs                         c(4)    11
----------------------------------------------------------------------------------------------------------------------------------
       (5)  Number of nonexcludable employees (line 4c(3)) who benefit under the plan           c(5)    107
----------------------------------------------------------------------------------------------------------------------------------
       (6)  Number of benefiting nonexcludable employees (line 4c(5)) who are HCEs              c(6)    11
----------------------------------------------------------------------------------------------------------------------------------
    d  Enter the plan's ratio percentage and, if applicable, identify the disaggregated         d      100.0%
    part of the plan to which the information on lines 4c and 4d pertains
    (see instructions     401(k)
----------------------------------------------------------------------------------------------------------------------------------
    e  Identify any disaggregated part of the plan and enter its ratio percentage:
----------------------------------------------------------------------------------------------------------------------------------
       (1)  Disaggregated part: 401(m)                                  Ratio Percentage:       e(1)    100.0%
----------------------------------------------------------------------------------------------------------------------------------
       (2)  Disaggregated part:                                         Ratio Percentage:       e(2)
----------------------------------------------------------------------------------------------------------------------------------
       (3)  Disaggregated part:                                         Ratio Percentage:       e(3)
----------------------------------------------------------------------------------------------------------------------------------
    f  This plan satisfies the coverage requirements on the basis of (check one):
                                                                           X  the ratio percentage test       average benefit test
----------------------------------------------------------------------------------------------------------------------------------
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