The year 2000 project, covering the systems and channels of the bank, continues to make good progress. All backend applications, files and databases are now year 2000 compliant and the frontend branch rollout is nearing completion. Most workstations have had software upgrades or have been replaced with compliant machines. All applications are being tested for special dates and for ongoing compliance. A year 2000 contingency plan is being developed and tested. We do not expect any major disruptions to our systems at the beginning of next year.