Discussion and Analysis of
FinancialCondition and Results of
Operations                                              11-16

Item 3.           Quantitative and
Qualitative Disclosures AboutMarket Risk                  16

Item 4.           Controls and
Procedures                                                16

Part II.           Other information:

Item 1A.           Risk Factors                         16-18

Item 2.           Unregistered Sales of
Equity Securities and Use ofProceeds                      18

Item 4.           Submission of Matters
to a Vote of Security Holders                             19

Item 6.           Exhibits                                19

SIGNATURES                                                19

EXHIBIT INDEX                                             20