Annual Report (Form 10-K), fiscal year 1993




Item 2 Properties 9 Item 3

Item 3 Legal Proceedings 10 Item 4

Item 4 There has been no submission of matters to a vote of shareholders during the quarter ended December 31, 1993.
PART II Item 5


Item 6 Selected Financial Data 11 Item 7

Item 7 Management's Discussion and Analysis of Financial Condition and Results of Operation 11-30 Item 8


Item 8 Financial Statements and Supplementary Data: Consolidated Statements of Condition - December 31, 1993 and 1992 31 Consolidated Statements of Earnings - Years Ended December 31, 1993, 1992, and 1991 32 Consolidated Statements of Changes in Stockholders' Equity - Years Ended December 31, 1993, 1992, and 1991 33 Consolidated Statements of Cash Flows - Years Ended December 31, 1993, 1992, and 1991 34 Notes to Consolidated Financial Statements 35-46 Independent Auditors' Report 47 Item 9

Item 9 There has been no disagreement with accountants on accounting and financial matters.
CROSS REFERENCE INDEX
PART III Item 10




Item 11 Executive Compensation * Item 12

Item 12 Security Ownership of Certain Beneficial Owners and Management * Item 13

Item 13 Certain Relationships and Related Transactions *
PART IV Item 14