Contents

 Financial Highlights
 Letter to Our Shareholders
 About CSI
 Management's Statement of Responsibility
 Report of Independent Auditors
 Selected Financial Data
 Management's Discussion and Analysis
 Consolidated Statement of Income
 Consolidated Balance Sheets
 Consolidated Statements of Cash Flows
 Consolidated Statements of Shareholders' Equity
 Quarterly Financial Information
 Notes of Consolidated Financial Statements
 Corporate Staff
 Board of Directors
 Ann Carney Memorial
 Shareholder Inquires
 Investor Relations
 Common Stock
 Corporate Headquarters