ROL G. KROCH, Rodney Square North, 1100 Market St., Wilmington, DE 19890, ABA Advisor JOHN K. NOTZ, JR., 191 N. Wacker Dr., Chicago, IL 60606-1698, ABA Section Advisor CYNTHIA ROWLAND, One Ferry Building, Suite 200, San Francisco, CA 94111, ABA Section Advisor EXECUTIVE DIRECTOR WILLIAM H. HENNING, Unive