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  • Consolidated Balance Sheets as of December 31, 1999 and 1998

  • Consolidated Statements of Income for the Years ended December 31, 1999, 1998, and 1997

  • Consolidated Statements of Changes In Shareholders' Equity for the Years ended December 31, 1999, 1998, and 1997

  • Consolidated Statements of Cash Flows for the Years ended December 31, 1999, 1998, and 1997

  • Summary of Significant Accounting Policies

  • Notes to Consolidated Financial Statements

  • Independent Auditors' Report

  • Selected Financial Data

  • Financial Review

  • Summary of Quarterly Financial Data, Unaudited