Cover Divisional Profiles Dedication Introduction Letter to the Shareholders Operational Recap/Financial Graphs Selected Financial Data Consolidated Financial Statements Notes to Consolidated Statements Report of Independent Accountants and Management Management's Discussion and Analysis Price Range of Common Stock Selected Quarterly Financial Data Board of Directors and Committees/Corporate Officers Divisional Management Store Locations Shareholder Information

(1) Includes long–term debt and obligation under capital lease. (2) Total capitalization includes shareholders’ equity, short–term debt, long–term debt, capital lease obligation and current maturities thereon.