(In thousands except ratios, employees, shareholders and per share amounts)

Note A - Included in the 2002 income before taxes was an interest charge of $14,972 related to the settlement with the IRS regarding the deductibility of interest on debt related to corporate owned life insurance (COLI).

Note B - Included in the 2002 income before cumulative effect of a change in accounting principle was an after-tax charge of $26,494 or $0.37 per share related to interest and tax charges associated with the settlement of the COLI issue with the IRS.

Note C - See the MD&A section and Note 1 to the Consolidated Financial Statements for a description of the cumulative effect of a change in accounting principle.

Note D - Includes an estimated number of shareholders who have shares held for their accounts by banks, brokers, trustees for benefit plans and the agent for the dividend reinvestment plan.