Income Summary	1998	1997	1996	1995	1994
Revenue	$40,708,348	$37,565,727	$37,608,762	$36,078,355	$35,951,276
Expenses	33,289,448	31,266,942	31,168,047	30,285,972	30,465,828
OPERATING INCOME	7,418,900	6,298,785	6,440,715	5,792,383	5,485,448
Other income	229,123	462,155	598,545	144,119	152,877
INCOME BEFORE TAXES	7,648,023	6,760,940	7,039,260	5,936,502	5,638,325
Provision for income taxes	2,982,903	2,703,135	2,738,000	2,431,000	2,198,000
NET INCOME	$4,665,120	$4,057,805	$4,301,260	$3,505,502	$3,440,325
Equity Analysis
Earnings per share, basic	$2.25	$1.92	$2.07	$1.70	$1.68
Earnings per share, assuming dilution	$2.23	$1.89	$2.03	$1.63	$1.65
Book value per share	$14.94	$13.71	$12.26	$10.72	$9.38
Dividends paid per share outstanding	$0.54	$0.46	$0.39	$0.35	$0.31
Return on average shareholders' equity	16%	15%	18%	17%	19%
Margins
Income before taxes as a percent
of total revenue	19%	18%	19%	16%	16%
Net income as a percent of total revenue	11%	11%	11%	10%	10%
Growth Rates
Revenue	8%	0%	4%	0%	26%
Net income	15%	-6%	23%	2%	11%
Earnings per share, assuming dilution	18%	-7%	24%	1%	10%