we're one of 40 banks that are subsidiaries of North Coast Bank Holding Company of Ohio. Ten of these banks are very small operations located in grocery stores at various sites around cleveland. The rest are located in grocery stores at various sites around Cleveland. The rest are located in their own buildings, mostly in the Greater Cleveland metroarea. Thirteen of the banks are located around the northern part of the state outside of metd. The " grocery banks " are part of a strategy we decided to try in 1987. It seems to be working out pretty well. The whole issue of our strategy in picking locations and deciding what services to offer is something you might enjoy investigating ; but, for now , I have something else I'd like you to take a look at for me.