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Ameriserv Financial Inc/PA – ‘11-K’ for 12/31/02

On:  Monday, 6/30/03, at 11:04am ET   ·   For:  12/31/02   ·   Accession #:  903594-3-69   ·   File #:  0-11204

Previous ‘11-K’:  ‘11-K’ on 6/28/02 for 12/31/01   ·   Next:  ‘11-K’ on 6/30/03 for 12/31/02   ·   Latest:  ‘11-K’ on 6/28/23 for 12/31/22

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  As Of                Filer                Filing    For·On·As Docs:Size              Issuer               Agent

 6/30/03  Ameriserv Financial Inc/PA        11-K       12/31/02    3:30K                                    Stevens & Lee PC/FA

Annual Report of an Employee Stock Purchase, Savings or Similar Plan   —   Form 11-K
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 11-K        Annual Report of an Employee Stock Purchase,          15±    52K 
                          Savings or Similar Plan                                
 2: EX-23       Consent of Experts or Counsel                          1      6K 
 3: EX-99       Miscellaneous Exhibit                                  2±     9K 


11-K   —   Annual Report of an Employee Stock Purchase, Savings or Similar Plan
Document Table of Contents

Page (sequential) | (alphabetic) Top
 
11st Page   -   Filing Submission
"Item 1. Financial Statements and Exhibits
"Notes to Financial Statements
"Independent Auditor's Report


SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K [ X ] Annual Report pursuant to Section 15(d) of the Securities Exchange Act of 1934 for the fiscal year ended December 31, 2002. or [ ] Transition Report pursuant to Section 15(d) of the Securities Exchange Act of 1934 for the transition period from ____________ to ______________. Commission File Number: 0-11204 Ameriserv Financial Non-Collectively Bargained 401(k) Plan (Full title of the plan) Ameriserv Financial, Inc. Main and Franklin Streets Johnstown, PA 15901 (Name of issuer of the securities held pursuant to the plan and the address of its principal executive office.) Registrant's telephone number, including area code: (814) 533-5315 Notices and communications from the Securities and Exchange Commission relative to this report should be forwarded to: Ameriserv Financial, Inc. Main and Franklin Streets Johnstown, PA 15901 Attention: Nicholas E. Debias, Jr. With a copy to: Wesley R. Kelso, Esquire Stevens & Lee 25 North Queen Street Suite 602 Lancaster, PA 17603 Item 1. Financial Statements and Exhibits a. Financial Statements 1. Report of Barnes, Saly & Company, LLP. 2. Audited Statements of Net Assets Available for Benefits as of December 31, 2002 and 2001. 3. Audited Statements of Changes in Net Assets Available for Benefits for each of the years in the three year period ended December 31, 2002. 4. Notes to Financial Statements. b. Exhibits 1. Consent of Barnes, Saly & Company, LLP. 2. Section 906 Certifications AMERISERV FINANCIAL NON-COLLECTIVELY BARGAINED 401(k) PLAN FINANCIAL REPORT CONTENTS Page INDEPENDENT AUDITOR'S REPORT . . . . . . . . . . . . . . FINANCIAL STATEMENTS Statements of net assets available for benefits - December 31, 2002 and 2001 . . . . . . . . . . . . . Statements of changes in net assets available for benefits - years ended December 31, 2002, 2001 and 2000 . . . . . . . . . . . . . . . . . . . . . . Notes to financial statements. . . . . . . . . . . . . . SUPPLEMENTARY INFORMATION Assets held for investment - December 31, 2002 . . . . Assets held for investment - December 31, 2001 . . . . INDEPENDENT AUDITOR'S REPORT Board of Trustees and Participants Ameriserv Financial Non-Collectively Bargained 401(k) Plan Johnstown, Pennsylvania We have audited the accompanying statements of net assets available for benefits of Ameriserv Financial Non-Collectively Bargained 401(k) Plan as of December 31, 2002 and 2001, and the related statements of changes in net assets available for benefits for each of the three years ended December 31, 2002. These financial statements are the responsibility of the Plan's management. Our responsibility is to express an opinion on these financial statements based on our audits. We conducted our audits in accordance with auditing standards generally accepted in the United States of America. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion. In our opinion, the financial statements referred to above present fairly, in all material respects, the net assets available for benefits of Ameriserv Financial Non-Collectively Bargained 401(k) Plan as of December 31, 2002 and 2001, and the changes in net assets available for benefits for each of the three years ended December 31, 2002, in conformity with accounting principles generally accepted in the United States of America. Our audits were made for the purpose of forming an opinion on the financial statements taken as a whole. The supplemental schedules of assets held for investment as of December 31, 2002 and 2001, are presented for the purpose of additional analysis and are not a required part of the basic financial statements, but are supplementary information required by the Department of Labor's Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974. These supplemental schedules are the responsibility of the Plan's management. The supplemental schedules have been subjected to the auditing procedures applied in the audits of the basic financial statements and in our opinion, are fairly stated in all material respects in relation to the basic financial statements taken as a whole. /s/Barnes Saly & Company, LLP Johnstown, Pennsylvania May 22, 2003 AMERISERV FINANCIAL NON-COLLECTIVELY BARGAINED 401(k) PLAN STATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS December 31, 2002 and 2001 <caption> [Download Table] Participant Directed ----------------------- 2002 2001 ---------- ---------- Assets Investments at fair value (Notes 1, 2 and 3): Investments in securities of participating employers (Note 4) Ameriserv Financial, Inc. common stock (formerly USBANCORP, Inc.) $ 135,198 $ 160,224 Investments in securities of unaffiliated issuers and others Shares of registered investment companies 2,445,933 2,942,903 Common or collective funds 160,335 - 0 - Sky Financial common stock (formerly Three Rivers Bancorp, Inc (Note 1) 96,344 99,775 Notes Receivable 11,674 48,522 Money Market 481,945 103,605 ---------- ---------- $3,331,429 $3,355,029 ========== ========== Receivables: Accrued investment income $ 30,233 $ 15,603 Participants' contribution 17,146 15,742 ---------- ---------- $ 47,379 $ 31,345 ---------- ---------- Cash $ 0 $ 12 ---------- ---------- Total assets $3,378,808 $3,386,386 ---------- ---------- Liabilities Overdraft $ 389 $ 0 ---------- ---------- Net assets available for benefits $3,378,419 $3,386,386 ========== ========== See Notes to Financial Statements. AMERISERV FINANCIAL NON-COLLECTIVELY BARGAINED 401(k) PLAN STATEMENTS OF CHANGES IN NET ASSETS AVAILABLE FOR BENEFITS Years Ended December 31, 2002, 2001, 2000 <caption> [Enlarge/Download Table] Participant Directed --------------------------------------- 2002 2001 2000 ----------- ----------- ----------- Additions to net assets attributed to: Investment income: Net appreciation (depreciation) in fair value of investments (Notes 3 and 4) $ (516,220) $ (157,123) $ (283,230) Interest 6,821 9,193 11,182 Dividends (Note 4) 87,401 115,661 193,246 ---------- ---------- ---------- $ (421,998) $ (32,269) $ (78,802) ---------- ---------- ---------- Contributions: Participants' (Note 7) $ 488,884 $ 408,617 $ 417,332 ---------- ---------- ---------- Total additions $ 66,886 $ 376,348 $ 338,530 Deductions from net assets attributed to: Benefits paid to participants 74,853 135,725 328,060 ---------- ---------- ---------- Net increase (decrease) $ (7,967) $ 240,623 $ 10,470 ---------- ---------- ---------- Net assets available for benefits: Beginning of year 3,386,386 3,145,763 3,135,293 ---------- ---------- ---------- End of year $3,378,419 $3,386,386 $3,145,763 ========== ========== ========== See Notes to Financial Statements. AMERISERV FINANCIAL NON-COLLECTIVELY BARGAINED 401(k) PLAN NOTES TO FINANCIAL STATEMENTS December 31, 2002 Note 1: Plan Description The following description of Ameriserv Financial Non-Collectively Bargained 401(k) Plan (the Plan) provides only general information. Participants should refer to the Plan agreement for a more complete description of the Plan's provisions. The Plan name was changed during 2001 from U S National Bank Noncollectively-Bargained Employees 401(k) Plan. General: The Plan is a defined contribution plan covering all management level employees of Ameriserv Financial, Inc. (formerly USBANCORP, Inc.) which is a bank holding company and Ameriserv Financial Bank (the Bank) (formerly U.S. Bank) which is a wholly-owned subsidiary as well as the management level employees of Ameriserv Associates, Inc. (formerly UBAN Associates) and Ameriserv Trust and Financial Services (formerly USBANCORP Trust and Financial Services), all related companies. Employees become eligible to participate in the Plan the earlier of January 1st, April 1st, July 1st, or October 1st following the completion of twelve-consecutive months of service and the attainment of age twenty-one. The Plan is subject to the provisions of the Employee Retirement Income Security Act of 1974 (ERISA). The Plan is not covered by the Pension Benefit Guaranty Corporation. Contributions: Participants are permitted to make elective deferrals in any amount from one (1) to one hundred (100) percent of their compensation up to a maximum of $11,000 each year and a maximum of $12,000 for individuals over 50. Participants are permitted to amend their salary savings agreements to change the contribution percentage on January 1st, April 1st, July 1st, and October 1st each year. The Plan does not provide for any employer contributions. The employee salary deferrals are exempt from federal income tax until withdrawn from the Plan. Participant Accounts: Each participant account is credited with an allocation of the plan earnings. A participant's share of investment earnings and any increase or decrease in the fair market value of the Fund, is based on the proportionate value of all active accounts (other than accounts with segregated investments) as of the last valuation date, less withdrawals since the last valuation date. Contributions will be credited with an allocation of the actual investment earnings and gains and losses from the actual deposit of each contribution until the end of the plan year. Vesting: Participants are immediately vested in their voluntary contributions including rollover and transfer contributions plus actual earnings thereon. Investment Options: Upon enrollment in the Plan, a participant must direct their salary deferral contributions in 5 percent increments in one or more of the twenty four mutual funds, six common or collective funds, a money market fund and Ameriserv Financial, Inc. common stock (see Note 4 for related party details). Although certain participants received shares of Three Rivers Bancorp, Inc. common stock as a result of the 2000 spin-off of Ameriserv Financial's (formerly USBANCORP) Three Rivers Bank subsidiary, such is not an investment option for additional purchase. The diversified mutual fund investment options include bond and government securities funds and various U.S. and foreign stock funds. Participants may change their investment options any time throughout the year via phone access to Ameriserv Trust and Financial Services Company. The Plan also includes participants notes. Participants may borrow from their fund accounts a minimum of $1,000 up to a maximum equal to the lesser of $50,000 or 50 percent of their account balance. Loan transactions are treated as a transfer to (from) the investment fund from (to) the Participant Notes fund. Loan terms range from 1-5 years. The loans are secured by the balance in the participant's account and bear interest at a rate commensurate with local prevailing rates as determined by the Plan administrator. Interest rates range from 7.75 percent to 13.99 percent. Principal and interest is paid ratably through semi-monthly payroll deductions. In October 2002, Three Rivers Bancorp, Inc. merged with Sky Financial Group. As part of the merger, participants holding shares in the Three Rivers Bancorp, Inc. were allocated 25 percent in cash totaling $37,721.76 and 75 percent in Sky Financial common stock resulting in the participants receiving 4,906 shares in Sky Financial stock with a cost basis of $86,121.47. Sky Financial stock is not an investment option for additional purchase. Payment of Benefits: On termination of service, a participant with an account may elect to receive a lump-sum amount equal to the value of his or her account. The Plan also provides for normal retirement benefits to be paid in the form of a lump-sum amount upon reaching age 65 or termination of employment and has provisions for deferred, death, and hardship withdrawals. Administrative Expenses: Certain administrative functions are performed by officers or employees of the Company and Bank. No such officer or employee receives compensation from the Plan. Certain other administrative expenses are paid directly by the Company and Bank. Note 2: Significant Accounting Policies Basis of Accounting: The financial statements of the Plan are prepared under the accrual method of accounting. Investment Valuation and Income Recognition: The Plan's investments are stated at fair value. Shares of registered investment companies (mutual funds) are reported at fair value based on the quoted market price of the fund which represents the net asset value of shares held by the Plan at year-end. The Ameriserv Financial, Inc. (Company) common stock and Sky Financial common stock (formerly Three Rivers Bancorp, Inc.) are valued at quoted market price. Investments in common or collective funds are at values quoted by the trust. Participant notes receivable are valued at cost which approximates fair value. Purchases and sales of securities are recorded on a trade-date basis. Interest income is recorded on the accrual basis. Dividends are recorded on the ex-dividend date. Estimates: The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires the plan administrator to make estimates and assumptions that affect certain reported assets, liabilities and changes therein, and disclosures. Actual results may differ from those estimates. The Plan relies significantly on the use of estimates in determining the fair value of the common or collective funds. The financial statements include six common or collective portfolios with an estimated fair value of $160,335, whose value has been estimated using the quoted market prices of the underlying investments of each portfolio. An estimated unit price of $10 was used as a beginning price per share when each portfolio was established during 2002. Because of the inherent subjectivity in any valuation, the estimated value may differ significantly from the value that would have been used had a ready market for the securities existed, and the difference could be material. Payment of Benefits: Benefits are recorded when paid. Note 3: Investments The Plan's investments are participant directed. The following presents investments that represent 5 percent or more of the Plan's net assets. [Download Table] December 31, ------------------- 2002 2001 -------- -------- Fidelity Low-Priced Stock, 13,184 and 13,587 shares, respectively $331,834 $372,542 Vanguard Institutional Index, 2,864 shares and 2,881 shares, respectively 230,390 302,181 Fidelity Puritan, 37,208 shares 657,474 Fidelity Magellan, 6,476 and 8,304 shares, respectively 511,375 865,487 Clipper Fund, 2,584 shares 195,688 Dodge & Cox Balanced Fund, 7,625 shares 463,230 During 2002, 2001 and 2000 all of the Plan's investments (including investments bought, sold and held during each year) appreciated (depreciated) in value by $(516,220), $(157,123) and $(283,230) respectively, as follows: [Download Table] 2002 2001 2000 --------- ---------- ---------- Mutual funds $(471,365) $(210,456) $(203,118) Common or collective funds (6,614) - 0 - - 0 - Sky Financial/Three Rivers Bancorp, Inc. common stock 32,528 40,092 (31,106) Ameriserv Financial, Inc common stock (70,769) 13,241 (49,006) --------- --------- --------- $(516,220) $(157,123) $(283,230) ========= ========= ========= Note 4: Related Party Transactions Investment Activity: As explained in Note 1, one of the Plan's investment options is Ameriserv Financial, Inc. common stock. Ameriserv Financial, Inc. is the holding company of Ameriserv Financial Bank in Johnstown (the "Employer"). Note 4: Related Party Transactions (continued) The following is a summary of the investment activity of Ameriserv Financial, Inc. common stock: [Download Table] 2002 2001 --------- -------- Market value at year end $135,198 $160,224 Number of shares held at year end 47,438 33,380 Original cost at year end $221,499 $178,779 Purchase price of shares in current year $ 53,732 $ 63,838 Number of shares purchased in current year 16,160 12,982 Sale price of shares in current year $ 7,999 $ 35,936 Number of shares sold in current year 2,102 7,621 Realized gain (loss) on sales in current year $ (3,024) $ 3,546 Unrealized appreciation (depreciation) during year $(67,745) $ 9,695 Dividend income $ 11,240 $ 11,814 Accrued dividends at year end $ 1,383 $ 3,188 Plan's Trustee: The Plan's investments are held by a bank- administered trust fund which is an affiliate of the Plan sponsor. Ameriserv Trust and Financial Services Company has the authority to purchase and sell investments in accordance with participant direction. The cash account is used by the Ameriserv Trust and Financial Services Company to temporarily house uninvested monies. Note 5: Income Tax Status The Internal Revenue Service has determined and informed the Company by a letter dated November 19, 2001 that the standardized prototype Plan and the related trust adopted by the Plan are designed in accordance with applicable sections of the Internal Revenue Code (IRC). Note 6: Plan Termination Although it has not expressed any intent to do so, the Bank has the right under the Plan to terminate the Plan, at any time, subject to the provisions of ERISA. Note 7: Rollovers The following participant rollovers occurred as a result of employees transferring amounts from other qualified plans. The rollovers are included in the applicable years employee contributions: 2002 $18,328 2001 23,917 2000 40,993 Note 8: Reconciliation of Differences Between These Financial Statements and the Financial Information Required on Form 5500 [Download Table] 2002 2001 2000 ----------- ----------- ----------- Net assets available for benefits as presented in these financial statements $3,378,419 $3,386,386 $3,145,763 Benefits payable to participants 59,062 0 24,574 ---------- ---------- ---------- Net assets available for benefits as presented on Form 5500 $3,319,357 $3,386,386 $3,121,189 ========== ========== ========== Net increase in net assets available for benefits as presented in these financial statements $ (7,967) $ 240,623 $ 10,470 (Increase) decrease in benefits payable from previous year (59,062) 24,574 6,631 ---------- ---------- ---------- Net increase in net assets available for benefits as presented on Form 5500 $ (67,029) $ 265,197 $ 17,101 ========== ========== ========== Note 9: Benefits Payable Benefits payable to persons who have withdrawn from participation in the earnings and operations of the Plan in the amounts of $ 59,062, $ - 0 -, and $24,574 at December 31, 2002, 2001 and 2000, respectively are included in net assets available for benefits. Amounts allocated to withdrawing participants are recorded on the Form 5500 for benefit claims that have been processed and approved for payment prior to December 31, but not yet paid as of that date. AMERISERV FINANCIAL NON-COLLECTIVELY BARGAINED 401(k) PLAN ASSETS HELD FOR INVESTMENT (Page 1 of 2) December 31, 2002 [Download Table] Investment Type/ Shares Held Description Cost Fair Value ---------------- ----------- ---------- ---------- Common stock: 47,438 shares Ameriserv Financial, Inc. * $ 221,499 $ 135,198 4,839 shares Sky Financial (formerly Three Rivers Bancorp, Inc) 84,945 96,344 ---------- ---------- Total Common Stocks $ 306,444 $ 231,542 ---------- ---------- Mutual Funds: 2,584 shares Clipper $ 212,773 $ 195,688 7,625 shares Dodge & Cox Balanced Fund 489,099 463,230 13,184 shares Fidelity Low-Priced Stock 308,043 331,834 6,476 shares Fidelity Magellan 647,541 511,375 625 shares Franklin Biotechnology Discovery 35,023 20,854 4,896 shares Franklin Mutual Beacon Fund 67,512 55,372 131 shares Goldman Sachs Global Income 1,895 1,919 167 shares Goldman Sachs Research Select Fund 931 835 76 shares Invesco Financial Services 1,957 1,736 649 shares Janus Growth & Income 15,707 15,144 592 shares Legg Mason Value Trust 27,139 24,011 1,660 shares Northern Technology Fund 26,653 12,284 8,155 shares Pimco Total Return 86,618 87,015 2,236 shares T. Rowe Price Equity 53,624 44,259 5,587 shares Templeton Foreign Fund 54,485 46,432 6,902 shares Tweedy, Browne Global Value 135,321 109,121 7,980 shares Vanguard GNMA 84,129 85,789 244 shares Vanguard Health Care 27,618 23,478 2,864 shares Vanguard Institutional Index 311,837 230,390 1 share Vanguard Primecap 41 40 12,859 shares Vanguard Short-Term Federal 134,170 137,590 461 shares Vanguard Total Bond Index 4,698 4,784 512 shares Vanguard U.S. Growth & Income 33,951 15,982 1,162 shares White Oak Growth Stock 55,487 26,771 ---------- ---------- Total Mutual Funds $2,816,252 $2,445,933 ---------- ---------- AMERISERV FINANCIAL NON-COLLECTIVELY BARGAINED 401(k) PLAN ASSETS HELD FOR INVESTMENT (Page 2 of 2) December 31, 2002 [Download Table] Investment Type/ Shares Held Description Cost Fair Value ---------------- ----------- ---------- ---------- Common/Collective Funds: 7,498 shares Pathroad Balanced Growth & Income $ 70,961 $ 69,568 6,634 shares Pathroad Capital Appreciation & Income 64,031 59,555 109 shares Pathroad Conservative Fixed Income 1,120 1,133 278 shares Pathroad Conservative Growth & Income 2,736 2,765 5 shares Pathroad Intermediate-Term Fixed Income 55 56 3,236 shares Pathroad Long-Term Equity 28,046 27,258 ---------- ---------- Total Common/Collective Funds $ 166,949 $ 160,335 ---------- ---------- Money Market Fund: 481,945 shares Goldman Sachs Financial Prime Obligations $ 481,945 $ 481,945 ---------- ---------- Notes Receivable: Participant loans, interest rates of 7.75 to 13.99%, Maturity of 1 to 5 years, payable in semi- monthly payments withheld from participants payroll $ 11,674 $ 11,674 ---------- ---------- Total Assets Held for Investment $3,783,264 $3,331,429 ========== ========== * Represents a party in interest. See Notes to Financial Statements. AMERISERV FINANCIAL NON-COLLECTIVELY BARGAINED 401(k) PLAN ASSETS HELD FOR INVESTMENT December 31, 2001 [Download Table] Investment Type/ Shares Held Description Cost Fair Value ---------------- ----------- ---------- ---------- Common Stock 33,380 shares Ameriserv Financial, Inc. common stock * $ 178,779 $ 160,224 7,982 shares Three Rivers Bancorp, Inc. 82,978 99,775 ---------- ---------- Total Common Stocks $ 261,757 $ 259,999 ---------- ---------- Mutual Funds: 1,411 shares Clipper $ 115,134 $ 117,862 13,587 shares Fidelity Low-Priced Stock 307,164 372,542 8,304 shares Fidelity Magellan 841,612 865,487 37,208 shares Fidelity Puritan 650,721 657,474 451 shares Franklin Biotechnology Discovery 31,202 26,181 4,690 shares Franklin Mutual Beacon 66,470 61,199 126 shares Goldman Sachs Global Income 1,834 1,809 60 shares Goldman Sachs Research Select List 411 422 110 shares Invesco Financial Services 3,253 3,007 347 shares Legg Mason Value Trust 18,650 17,377 1,085 shares Northern Technology 24,470 13,527 5,072 shares Pimco Total Return 53,767 53,051 2,139 shares T. Rowe Price Equity Income 52,432 50,596 5,832 shares Templeton Foreign 57,716 53,944 6,242 shares Tweedy, Browne Global Value 126,604 115,658 3,898 shares Vanguard GNMA 40,520 40,433 85 shares Vanguard Health Care 10,215 9,984 2,881 shares Vanguard Institutional Index 338,696 302,181 10,163 shares Vanguard Short-Term Federal 105,481 106,509 200 shares Vanguard Total Bond Market Index 2,050 2,032 524 shares Vanguard US Growth 41,227 25,571 1,198 shares White Oak Growth Stock 72,210 46,057 ---------- ---------- Total Mutual Funds $2,961,839 $2,942,903 ---------- ---------- Money Market Fund: 103,605 shares Goldman Sachs Financial Square Prime Obligations $ 103,605 $ 103,605 ---------- ---------- Notes Receivable: Participant loans, interest rates of 8.74 to 13.99%, Maturity of 1 to 5 years, payable in semi- monthly payments withheld from participants payroll $ 48,522 $ 48,522 ---------- ---------- Total Assets Held for Investment $3,375,723 $3,355,029 ========== ========== * Represents a party in interest. See Notes to Financial Statements. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the Trustees of the Ameriserv Financial Non- Collectively Bargained 401(k) Plan have duly caused this annual report to be signed on its behalf by the undersigned thereunto duly authorized. Dated: June 26, 2003 Ameriserv Financial Non-Collectively Bargained 401(k) Plan Ameriserv Trust and Financial Services Company, as Trustee By /s/ Nicholas E. Debias, Jr._____ Nicholas E. Debias, Jr., Vice President Exhibit Index Exhibit 1. Consent of Barnes, Saly & Company, LLP 2. Section 906 Certifications

Dates Referenced Herein   and   Documents Incorporated by Reference

This ‘11-K’ Filing    Date    Other Filings
Filed on:6/30/0310-Q,  11-K
6/26/03
5/22/034
For Period End:12/31/0210-K,  11-K
12/31/0110-K/A,  10-K405,  11-K
11/19/01
12/31/0010-K405,  11-K
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