Prospectus excerpt:  The company offered 3,000,000 shares of their 8% Cumulative Redeemable Preferred Stock. Holders of the preferred stock will be entitled to receive cash dividends at the rate of $2.00 per share per year. Dividends will be payable quarterly in arrears when, as and if declared on March 31, June 30, September 30 and December 31 of each year beginning March 31, 2003. Dividends payable on the preferred stock are cumulative and will accumulate from and including the initial closing date of this offering. The preferred stock is subject to redemption and has the preferences described in this prospectus. The preferred stock is not convertible into any of our other securities and is non-voting except in certain limited circumstances.

In the event of the company's liquidation, you will be entitled to receive $25.00 per share plus all dividends accumulated and unpaid on the shares to and including the date of liquidation, subject, however, to the rights of any of our securities that rank senior or on a parity with the preferred stock.

With respect to the payment of dividends and the distribution of assets in the event of our liquidation, dissolution or winding up, the preferred stock will have priority over the following:

any patronage refund, whether or not represented by a certificate, and any redemption thereof; any other class or series of our capital stock designated by our board of directors as junior to the preferred stock; and common stock, if any. Shares of any class or series of the company's capital stock that are not junior to the preferred stock, including the existing 8% Preferred Stock, will rank on a parity with the preferred stock.