Item 5.03 - Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year

Amendments to Bylaws. On November 18, 2009, the registrant amended its by-laws to adjust the maximum age qualification for directors and the mandatory retirement age for directors. Formerly, a director must have been elected prior to having attained seventy-two (72) years of age, and must have retired at the first annual meeting of shareholders after having attained seventy-two (72) years of age. Presently, a director must be elected prior to attaining seventy-five (75) years of age, and must retire at the first annual meeting of shareholders after attaining seventy-five (75) years of age.