ANNUAL               LONG-TERM
                                          COMPENSATION          COMPENSATION
                                        -----------------   ---------------------      ALL OTHER
                                        SALARY     BONUS    SECURITIES UNDERLYING   COMPENSATION(3)
NAME AND PRINCIPAL POSITION      YEAR     ($)       ($)       OPTIONS/SARS (#)            ($)
---------------------------      ----   -------   -------   ---------------------   ---------------
Rufus H. Reitzel, Jr.,
  Chairman(1)..................  2002   618,488   711,488               --               6,000
Nathaniel F. Bradley IV,
  President and Chief Executive
  Officer(2)...................  2002   340,442   394,978               --               6,000
Mark A. Redman, Vice President-
  Finance and Chief Financial
  Officer......................  2002   170,446   283,724          220,386               6,000
Phillip L. Allen, Vice
  President-Operations.........  2002   110,571    48,222           82,645               3,531
Donald O'Neill, Vice President-
  Collections..................  2002    94,218    42,020           41,322               3,403