Exhibit 99.29


STATEMENT RELATING TO THE PAYMENT OF CLUB DUES FOR EXECUTIVE OFFICERS.


The Bank has an informal program to pay certain club membership dues for the
Named Executive Officers and certain other officers. These club memberships are
used for customer entertainment and similar bank-related activities. The
officers are responsible for paying for any fees or charges relating to personal
use of these clubs, other than the membership dues. In support of this program,
the Bank owns several equity memberships in these local clubs.