E 'TAMMY,' PFP-00 January 26.2002 meow*, Fetruary 22. 2002 VISIT OUR *MID wmplearsteams.can What's In This Statement nlill I I ACCOMT MEMOS SWAYER matt* On NS Financial Summary 3 FINANCIAL TRUST COMPANY INC LAST STATEMENT UMW, 25. 2002 Your Portfolio Holdings 4 Cr0 AMERICAN YACHT HARBO