AL OWNERSHIP Filed pursuant to Section 18(a) el the Se:teases Exchange Ad of 1934, Section 17(a) of the Public Utility Hokin; Company Ad of 1936 or Seidman 30(h) of the Investment Company Ad of 1940 OIAB APPROVAL OMB Hurnlartr: Expires Estimated average Widen notes per retionse 32350287 February 28.