EXHIBIT 13.1 

 Cash Dividends Per Share 

Quarter                                 1994    1993 
First                                  $ .35    $ .35 
Second                                   .35      .35 
Third                                    .35      .35 
Fourth                                   .35      .35 
 Total                                 $1.40    $1.40 

Stock Price Range 
Quarter                          1994                 1993 
                           High        Low      High         Low 
First                    $27-3/4     $23-3/4  $29-3/8   $26-3/8 
Second                    27-1/8      22-3/8   30        26-3/8 
Third                     26-5/8      22-1/4   29-1/4    25-7/8 
Fourth                    28          25       29        25-1/2