Financial Information

Financial Statements for the Years Ended December 31, 2002 and 2001

Cover Page (Page 1)

Cover Letter (Page 2)

Balance Sheet (Page 3)

Income Statement (Page 4)

Statement of Cash Flows (Page 5)

Consolidated Statement of Changes in Stockholder's Equity (Page 6)

Consolidated Statement of Changes in Stockholder's Equity (continued) (Page 7)

Note 1 (Page 8)

Note 1 (continued) - Note 2 (Page 9)

Note 2 (continued) - Note 3 (Page 10)

Note 4 - Note 5 (Page 11)

Note 6 - Note 7 (Page 12)

Note 7 (continued) - Note 10 (Page 13)

Note 11 - Note 14 (Page 14)