Quaint Oak Savings Bank has continued its momentum during 2003 thanks to our ever expanding client participation. Assets have grown over 24% and now exceed $40 million with retained earnings surpassing the $3 million mark. Momentum in asset diversification continues as we proportionately increase loans in small commercial real estate, mixed use properties and investment properties. We have also made excellent inroads into Home Equity Loan financing. This diversification has not only improved profitability, it has significantly improved the matching sensitivity of assets to liabilities.