Cover Message to Shareholders Strategic Initiatives Product Development and Trends Form 10K Form 10K - Table of Contents -- Item 1. Business -- Item 2. Properties -- Item 3. Legal Proceedings -- Item 4. Submission of Matters to a Vote of Security Holders     - Executive Officers -- Item 5. Market for Registrant's Common Equity -- Item 6. Selected Financial Data -- Item 7. Management's Discussion & Analysis -- Item 7A. Disclosures about Market Risk -- Item 8. Financial Statements and Supplementary Data -- Item 9. Changes In and Disagreements With Accountants -- Items 10 thru 13 -- Item 14. Controls and Procedures -- Item 15. Exhibits, Schedules and Reports on Form 8-K     - Signatures     - Certifications -- Index to Consolidated Financial Statements and Schedule -- F1. Report of Independent Certified Public Accountants -- F2. Consolidated Balance Sheets -- F3. Consolidated Statements of Income -- F4. Consolidated Statements of Cash Flows -- F5. Consolidated Statements of Shareholders' Equity -- F6. Summary of Significant Accounting Policies -- F8. Notes to Consolidated Financial Statements -- S1. Report on Financial Statement Schedule -- S1. Schedule II - Valuation and Qualifying Accounts Officers and Directors Back Cover