ITEM 7 - MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
OF OPERATIONS
The information under the caption "Management's Discussion and Analysis of
Financial Condition and Results of Operations" on pages 1-7 of the 2008 Annual
Report is incorporated herein by reference.
Table of Contents
The Company's long-term contractual obligations relate to its borrowings from
the Federal Home Loan Bank and the maturities of certificates of deposits.
Information relating the maturity of these obligations is found under
"Management's Discussion and Analysis of Financial Condition and Results of
Operations" on page 7 of the 2008 Annual Report and is incorporated by reference
and in Notes E and G on pages 18 and 19 of the 2008 Annual Report and is
incorporated by reference.
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