SECTION 16(A) BENEFICIAL OWNERSHIP REPORTING COMPLIANCE
Due to a clerical oversight, a Form 4 reporting the December 3, 1999 sale of 6,429 common shares by Daniel T. Henry was not filed on or before January 10, 2000 as required, but on January 13, 2000. A Form 4 reporting the August 5, 1999 purchase of 1,000 shares by Richard A. McGinn was not filed on or before September 10, 1999 as required, but on October 6, 1999.
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