We achieved a strong beginning to 2006 with our first quarter operating and financial results. Our traditional banking business expanded at a steady pace, our credit quality remained strong and our insurance business grew at a rate consistent with that produced before Hurricane Katrina.

The board takes its deliberations regarding tuition very seriously. Although we regret having to raise tuition, it is necessary in order to meet rising costs and to address quality issues.

The man is truly an outstanding individual with unparalleled leadership.

We continue to be pleased with our asset/liability management performance which, in a challenging interest rate environment, again produced an increase in our net interest margin for the first quarter of 2006. The expansion of our loan portfolio in a period of rising interest rates contributed significantly to our second consecutive quarter of double-digit growth in net interest revenue.

The issue of school choice is still alive but vouchers as a means is not a choice.

It is not a solution people are wanting to buy into. The main objection is to using public funds for private institutions.