-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, R91PKqotj3SRcW37BOnZ+ZkFcyLHKXwZKYaIoBcTKskVEpR9aPVHt5Q4uW5R1Vry CCIimvlvLTkREqK4/WpplA== 0001035449-02-000435.txt : 20021127 0001035449-02-000435.hdr.sgml : 20021127 20021127171431 ACCESSION NUMBER: 0001035449-02-000435 CONFORMED SUBMISSION TYPE: NSAR-A PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20020930 FILED AS OF DATE: 20021127 EFFECTIVENESS DATE: 20021127 FILER: COMPANY DATA: COMPANY CONFORMED NAME: AMERIPRIME FUNDS CENTRAL INDEX KEY: 0001000579 IRS NUMBER: 752616671 STATE OF INCORPORATION: OH FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: NSAR-A SEC ACT: 1940 Act SEC FILE NUMBER: 811-09096 FILM NUMBER: 02844200 BUSINESS ADDRESS: STREET 1: 1793 KINGSWOOD DR STREET 2: STE 200 CITY: SOUTHLAKE STATE: TX ZIP: 76092 BUSINESS PHONE: 8174311297 MAIL ADDRESS: STREET 1: 1793 KINGSWOOD DRIVE STREET 2: SUITE 200 CITY: SOUTHLAKE STATE: TX ZIP: 76092 NSAR-A 1 marcolansw.fil MARTIN AND COLUMBIA NSAR PAGE 1 000 A000000 09/30/2002 000 C000000 0001000579 000 D000000 N 000 E000000 NF 000 F000000 Y 000 G000000 N 000 H000000 N 000 I000000 6.1 000 J000000 U 001 A000000 AMERIPRIME FUNDS 001 B000000 811-9096 001 C000000 8172516700 002 A000000 1793 KINGSWOOD DR SUITE 200 002 B000000 SOUTHLAKE 002 C000000 TX 002 D010000 76092 003 000000 N 004 000000 N 005 000000 N 006 000000 N 007 A000000 Y 007 B000000 13 007 C010100 1 007 C010200 2 007 C010300 3 007 C010400 4 007 C010500 5 007 C010600 6 007 C010700 7 007 C010800 8 007 C010900 9 007 C011000 10 007 C011100 11 007 C011200 12 007 C011300 13 007 C011400 14 007 C011500 15 007 C011600 16 007 C011700 17 007 C011800 18 007 C011900 19 007 C021900 COLUMBIA PARTNERS EQUITY FUND 007 C031900 N 007 C012000 20 007 C012100 21 007 C022100 MARTIN CAPITAL U S OPPORTUNITY FUND 007 C032100 Y 007 C012200 22 007 C012300 23 007 C012400 24 007 C012500 25 PAGE 2 007 C012600 26 007 C012700 27 007 C012800 28 007 C012900 29 007 C013000 30 010 A00AA01 UNIFIED FINANCIAL SERVICES, INC. 010 C01AA01 SOUTHLAKE 010 C02AA01 TX 010 C03AA01 76092 011 A00AA01 UNIFIED FINANCIAL SERVICES, INC. 011 B00AA01 8-48143 011 C01AA01 SOUTHLAKE 011 C02AA01 TX 011 C03AA01 76092 012 A00AA01 UNIFIED FUND SERVICES, INC. 012 B00AA01 84-0142 012 C01AA01 INDIANAPOLIS 012 C02AA01 IN 012 C03AA01 46204 013 A00AA01 MCCURDY & ASSOCIATES CPA'S, INC. 013 B01AA01 WESTLAKE 013 B02AA01 OH 013 B03AA01 44145 015 A00AA01 US BANK, N.A. 015 B00AA01 C 015 C01AA01 CINCINNATI 015 C02AA01 OH 015 C03AA01 45202 015 E01AA01 X 018 00AA00 Y 019 A00AA00 N 019 B00AA00 0 020 A000001 MERRIL LYNCH 020 C000001 7 020 A000002 BLOOMBERG TRADEBOOK 020 C000002 2 020 A000003 UBS SECURITIES 020 C000003 2 020 A000004 OTA LIMITED 020 C000004 1 020 A000005 SOUTHCOAST CAPITAL 020 C000005 1 020 A000006 WATERHOUSE 020 C000006 1 020 A000007 FULCURM GLOBAL PRTN 020 C000007 1 020 C000008 0 020 C000009 0 020 C000010 0 021 000000 16 022 A000001 STAR BANK PAGE 3 022 C000001 4912 022 D000001 6780 022 C000002 0 022 D000002 0 022 C000003 0 022 D000003 0 022 C000004 0 022 D000004 0 022 C000005 0 022 D000005 0 022 C000006 0 022 D000006 0 022 C000007 0 022 D000007 0 022 C000008 0 022 D000008 0 022 C000009 0 022 D000009 0 022 C000010 0 022 D000010 0 023 C000000 4912 023 D000000 6780 026 A000000 N 026 B000000 Y 026 C000000 N 026 D000000 Y 026 E000000 N 026 F000000 Y 026 G010000 N 026 G020000 N 026 H000000 N 027 000000 Y 034 00AA00 N 035 00AA00 0 036 B00AA00 0 042 A00AA00 0 042 B00AA00 0 042 C00AA00 0 042 D00AA00 0 042 E00AA00 0 042 F00AA00 0 042 G00AA00 0 042 H00AA00 0 043 00AA00 0 044 00AA00 0 054 A00AA00 Y 054 B00AA00 Y 054 C00AA00 Y 054 D00AA00 Y 054 E00AA00 Y 054 F00AA00 Y PAGE 4 054 G00AA00 Y 054 H00AA00 Y 054 I00AA00 N 054 J00AA00 Y 054 K00AA00 Y 054 L00AA00 Y 054 M00AA00 Y 054 N00AA00 Y 054 O00AA00 Y 055 A00AA00 N 055 B00AA00 N 056 00AA00 Y 057 00AA00 N 077 A000000 Y 077 Q010000 Y 078 000000 N 080 C00AA00 0 081 B00AA00 0 082 B00AA00 0 083 A00AA00 N 083 B00AA00 0 084 A00AA00 N 084 B00AA00 0 085 A00AA00 Y 085 B00AA00 N 086 A010000 0 086 A020000 0 086 B010000 0 086 B020000 0 086 C010000 0 086 C020000 0 086 D010000 0 086 D020000 0 086 E010000 0 086 E020000 0 086 F010000 0 086 F020000 0 075 A000100 0 075 B000100 0 008 A001901 COLUMBIA PARTNERS, L.L.C. INVESTMENT MGMT. 008 B001901 A 008 C001901 801-50156 008 D011901 WASHINGTON 008 D021901 DC 008 D031901 20006 024 001900 N 025 D001901 0 025 D001902 0 025 D001903 0 025 D001904 0 025 D001905 0 PAGE 5 025 D001906 0 025 D001907 0 025 D001908 0 028 A011900 54 028 A021900 0 028 A031900 0 028 A041900 24 028 B011900 29 028 B021900 0 028 B031900 0 028 B041900 36 028 C011900 260 028 C021900 0 028 C031900 0 028 C041900 29 028 D011900 31 028 D021900 0 028 D031900 0 028 D041900 1206 028 E011900 62 028 E021900 0 028 E031900 0 028 E041900 175 028 F011900 10 028 F021900 0 028 F031900 0 028 F041900 19 028 G011900 446 028 G021900 0 028 G031900 0 028 G041900 1489 028 H001900 0 029 001900 N 030 A001900 0 030 B001900 0.00 030 C001900 0.00 031 A001900 0 031 B001900 0 032 001900 0 033 001900 0 037 001900 N 038 001900 0 039 001900 N 040 001900 N 045 001900 Y 046 001900 N 047 001900 Y 048 001900 1.200 048 A011900 0 048 A021900 0.000 048 B011900 0 PAGE 6 048 B021900 0.000 048 C011900 0 048 C021900 0.000 048 D011900 0 048 D021900 0.000 048 E011900 0 048 E021900 0.000 048 F011900 0 048 F021900 0.000 048 G011900 0 048 G021900 0.000 048 H011900 0 048 H021900 0.000 048 I011900 0 048 I021900 0.000 048 J011900 0 048 J021900 0.000 048 K011900 0 048 K021900 0.000 049 001900 N 050 001900 N 051 001900 N 052 001900 N 053 A001900 Y 053 B001900 Y 053 C001900 N 058 A001900 N 059 001900 Y 060 A001900 Y 060 B001900 Y 061 001900 5000 062 A001900 N 062 B001900 0.0 062 C001900 0.0 062 D001900 0.0 062 E001900 0.0 062 F001900 0.0 062 G001900 0.0 062 H001900 0.0 062 I001900 0.0 062 J001900 0.0 062 K001900 0.0 062 L001900 0.0 062 M001900 0.0 062 N001900 0.0 062 O001900 0.0 062 P001900 0.0 062 Q001900 0.0 062 R001900 0.0 063 A001900 0 063 B001900 0.0 PAGE 7 066 A001900 Y 066 B001900 N 066 C001900 N 066 D001900 Y 066 E001900 N 066 F001900 N 066 G001900 N 067 001900 N 068 A001900 N 068 B001900 N 069 001900 N 070 A011900 Y 070 A021900 N 070 B011900 Y 070 B021900 N 070 C011900 Y 070 C021900 N 070 D011900 Y 070 D021900 N 070 E011900 N 070 E021900 N 070 F011900 N 070 F021900 N 070 G011900 N 070 G021900 N 070 H011900 N 070 H021900 N 070 I011900 N 070 I021900 N 070 J011900 N 070 J021900 N 070 K011900 Y 070 K021900 N 070 L011900 Y 070 L021900 N 070 M011900 N 070 M021900 N 070 N011900 Y 070 N021900 N 070 O011900 Y 070 O021900 N 070 P011900 N 070 P021900 N 070 Q011900 N 070 Q021900 N 070 R011900 N 070 R021900 N 071 A001900 4213 071 B001900 3790 071 C001900 13458 071 D001900 28 PAGE 8 072 A001900 6 072 B001900 3 072 C001900 37 072 D001900 0 072 E001900 0 072 F001900 90 072 G001900 0 072 H001900 0 072 I001900 0 072 J001900 0 072 K001900 0 072 L001900 0 072 M001900 1 072 N001900 0 072 O001900 0 072 P001900 0 072 Q001900 0 072 R001900 0 072 S001900 0 072 T001900 0 072 U001900 0 072 V001900 0 072 W001900 0 072 X001900 92 072 Y001900 1 072 Z001900 -47 072AA001900 0 072BB001900 1052 072CC011900 3860 072CC021900 0 072DD011900 0 072DD021900 0 072EE001900 0 073 A011900 0.0000 073 A021900 0.0000 073 B001900 0.0000 073 C001900 0.0000 074 A001900 0 074 B001900 0 074 C001900 0 074 D001900 0 074 E001900 0 074 F001900 11119 074 G001900 0 074 H001900 0 074 I001900 633 074 J001900 144 074 K001900 0 074 L001900 8 074 M001900 0 074 N001900 11904 PAGE 9 074 O001900 0 074 P001900 13 074 Q001900 0 074 R011900 0 074 R021900 0 074 R031900 0 074 R041900 0 074 S001900 0 074 T001900 11891 074 U011900 1764 074 U021900 0 074 V011900 6.74 074 V021900 0.00 074 W001900 0.0000 074 X001900 114 074 Y001900 0 075 A001900 0 075 B001900 14966 076 001900 0.00 062 A002000 N 062 B002000 0.0 062 C002000 0.0 062 D002000 0.0 062 E002000 0.0 062 F002000 0.0 062 G002000 0.0 062 H002000 0.0 062 I002000 0.0 062 J002000 0.0 062 K002000 0.0 062 L002000 0.0 062 M002000 0.0 062 N002000 0.0 062 O002000 0.0 062 P002000 0.0 062 Q002000 0.0 062 R002000 0.0 074 N002000 0 074 T002000 0 075 A002000 0 075 B002000 0 008 A002101 MARTIN CAPITAL ADVISORS, L.L.P. 008 B002101 A 008 C002101 801-55669 008 D012101 AUSTIN 008 D022101 TX 008 D032101 78701 024 002100 N 025 D002101 0 025 D002102 0 025 D002103 0 PAGE 10 025 D002104 0 025 D002105 0 025 D002106 0 025 D002107 0 025 D002108 0 028 A012100 10 028 A022100 0 028 A032100 0 028 A042100 31 028 B012100 6 028 B022100 0 028 B032100 0 028 B042100 222 028 C012100 1 028 C022100 0 028 C032100 0 028 C042100 74 028 D012100 0 028 D022100 0 028 D032100 0 028 D042100 39 028 E012100 0 028 E022100 0 028 E032100 0 028 E042100 14 028 F012100 0 028 F022100 0 028 F032100 0 028 F042100 20 028 G012100 17 028 G022100 0 028 G032100 0 028 G042100 400 028 H002100 0 045 002100 Y 046 002100 N 047 002100 Y 048 002100 1.250 048 A012100 0 048 A022100 0.000 048 B012100 0 048 B022100 0.000 048 C012100 0 048 C022100 0.000 048 D012100 0 048 D022100 0.000 048 E012100 0 048 E022100 0.000 048 F012100 0 048 F022100 0.000 048 G012100 0 PAGE 11 048 G022100 0.000 048 H012100 0 048 H022100 0.000 048 I012100 0 048 I022100 0.000 048 J012100 0 048 J022100 0.000 048 K012100 0 048 K022100 0.000 049 002100 N 050 002100 N 051 002100 N 052 002100 N 053 A002100 Y 053 B002100 Y 053 C002100 N 058 A002100 N 059 002100 Y 060 A002100 Y 060 B002100 Y 061 002100 1000 062 A002100 N 062 B002100 0.0 062 C002100 0.0 062 D002100 0.0 062 E002100 0.0 062 F002100 0.0 062 G002100 0.0 062 H002100 0.0 062 I002100 0.0 062 J002100 0.0 062 K002100 0.0 062 L002100 0.0 062 M002100 0.0 062 N002100 0.0 062 O002100 0.0 062 P002100 0.0 062 Q002100 0.0 062 R002100 0.0 063 A002100 0 063 B002100 0.0 066 A002100 Y 066 B002100 N 066 C002100 Y 066 D002100 N 066 E002100 N 066 F002100 N 066 G002100 N 067 002100 N 068 A002100 N 068 B002100 N PAGE 12 069 002100 N 070 A012100 Y 070 A022100 N 070 B012100 Y 070 B022100 N 070 C012100 Y 070 C022100 N 070 D012100 Y 070 D022100 Y 070 E012100 N 070 E022100 N 070 F012100 Y 070 F022100 N 070 G012100 N 070 G022100 N 070 H012100 N 070 H022100 N 070 I012100 N 070 I022100 N 070 J012100 Y 070 J022100 N 070 K012100 Y 070 K022100 Y 070 L012100 Y 070 L022100 N 070 M012100 Y 070 M022100 N 070 N012100 N 070 N022100 N 070 O012100 Y 070 O022100 N 070 P012100 N 070 P022100 N 070 Q012100 N 070 Q022100 N 070 R012100 Y 070 R022100 N 071 A002100 0 071 B002100 742 071 C002100 2222 071 D002100 33 072 A002100 6 072 B002100 0 072 C002100 5 072 D002100 0 072 E002100 0 072 F002100 12 072 G002100 0 072 H002100 0 072 I002100 0 072 J002100 0 PAGE 13 072 K002100 0 072 L002100 0 072 M002100 1 072 N002100 0 072 O002100 0 072 P002100 0 072 Q002100 0 072 R002100 0 072 S002100 0 072 T002100 0 072 U002100 0 072 V002100 0 072 W002100 0 072 X002100 13 072 Y002100 1 072 Z002100 -6 072AA002100 0 072BB002100 640 072CC012100 0 072CC022100 827 072DD012100 0 072DD022100 0 072EE002100 0 073 A012100 0.0000 073 A022100 0.0000 073 B002100 0.0000 073 C002100 0.0000 074 A002100 0 074 B002100 0 074 C002100 0 074 D002100 0 074 E002100 0 074 F002100 1210 074 G002100 0 074 H002100 0 074 I002100 47 074 J002100 313 074 K002100 0 074 L002100 0 074 M002100 0 074 N002100 1570 074 O002100 273 074 P002100 0 074 Q002100 0 074 R012100 0 074 R022100 0 074 R032100 210 074 R042100 1 074 S002100 0 074 T002100 1086 074 U012100 393 PAGE 14 074 U022100 0 074 V012100 2.76 074 V022100 0.00 074 W002100 0.0000 074 X002100 132 074 Y002100 0 075 A002100 0 075 B002100 1869 076 002100 0.00 SIGNATURE KENNETH D. TRUMPFHELLER TITLE PRESIDENT EX-99.77Q1 3 certs.txt CERTIFICATIONS Exhibit A: FORM N-SAR CERTIFICATION I, Timothy Ashburn, certify that: 1. I have reviewed this report on Form N-SAR of the Columbia Partners Equity Fund; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; 3. Based on my knowledge, the financial information included in this report, and the financial statements on which the financial information is based, fairly present in all material respects the financial condition, results of operations, changes in net assets, and cash flows (if the financial statements are required to include a statement of cash flows) of the registrant as of, and for, the periods presented in this report; 4. The registrant's other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in rule 30a-2(c) under the Investment Company Act) for the registrant and have: (a) designed such disclosure controls and procedures to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; (b) evaluated the effectiveness of the registrant's disclosure controls and procedures as of a date within 90 days prior to the filing date of this report (the "Evaluation Date"); and (c) presented in this report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as of the Evaluation Date; 5. The registrant's other certifying officers and I have disclosed, based on our most recent evaluation, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions): (a) all significant deficiencies in the design or operation of internal controls which could adversely affect the registrant's ability to record, process, summarize, and report financial data and have identified for the registrant's auditors any material weaknesses in internal controls; and (b) any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal controls; and 6. The registrant's other certifying officers and I have indicated in this report whether or not there were significant changes in internal controls or in other factors that could significantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses. Date: ____11/26/02___________ /s_________________________________________ Timothy Ashburn, President Exhibit A: FORM N-SAR CERTIFICATION I, Thomas Napurano, certify that: 1. I have reviewed this report on Form N-SAR of the Columbia Partners Equity Fund; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; 3. Based on my knowledge, the financial information included in this report, and the financial statements on which the financial information is based, fairly present in all material respects the financial condition, results of operations, changes in net assets, and cash flows (if the financial statements are required to include a statement of cash flows) of the registrant as of, and for, the periods presented in this report; 4. The registrant's other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in rule 30a-2(c) under the Investment Company Act) for the registrant and have: (a) designed such disclosure controls and procedures to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; (b) evaluated the effectiveness of the registrant's disclosure controls and procedures as of a date within 90 days prior to the filing date of this report (the "Evaluation Date"); and (c) presented in this report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as of the Evaluation Date; 5. The registrant's other certifying officers and I have disclosed, based on our most recent evaluation, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions): (a) all significant deficiencies in the design or operation of internal controls which could adversely affect the registrant's ability to record, process, summarize, and report financial data and have identified for the registrant's auditors any material weaknesses in internal controls; and (b) any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal controls; and 6. The registrant's other certifying officers and I have indicated in this report whether or not there were significant changes in internal controls or in other factors that could significantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses. Date: ____11/26/02__________ /s__________________________________ Thomas Napurano, Chief Financial Officer Exhibit A: FORM N-SAR CERTIFICATION I, Timothy Ashburn, certify that: 1. I have reviewed this report on Form N-SAR of the U.S. Opportunity Fund; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; 3. Based on my knowledge, the financial information included in this report, and the financial statements on which the financial information is based, fairly present in all material respects the financial condition, results of operations, changes in net assets, and cash flows (if the financial statements are required to include a statement of cash flows) of the registrant as of, and for, the periods presented in this report; 4. The registrant's other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in rule 30a-2(c) under the Investment Company Act) for the registrant and have: (a) designed such disclosure controls and procedures to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; (b) evaluated the effectiveness of the registrant's disclosure controls and procedures as of a date within 90 days prior to the filing date of this report (the "Evaluation Date"); and (c) presented in this report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as of the Evaluation Date; 5. The registrant's other certifying officers and I have disclosed, based on our most recent evaluation, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions): (a) all significant deficiencies in the design or operation of internal controls which could adversely affect the registrant's ability to record, process, summarize, and report financial data and have identified for the registrant's auditors any material weaknesses in internal controls; and (b) any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal controls; and 6. The registrant's other certifying officers and I have indicated in this report whether or not there were significant changes in internal controls or in other factors that could significantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses. Date: _______11/26/02_ /s________________________________ Timothy Ashburn, President Exhibit A: FORM N-SAR CERTIFICATION I, Thomas Napurano, certify that: 1. I have reviewed this report on Form N-SAR of the U.S. Opportunity Fund; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; 3. Based on my knowledge, the financial information included in this report, and the financial statements on which the financial information is based, fairly present in all material respects the financial condition, results of operations, changes in net assets, and cash flows (if the financial statements are required to include a statement of cash flows) of the registrant as of, and for, the periods presented in this report; 4. The registrant's other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in rule 30a-2(c) under the Investment Company Act) for the registrant and have: (a) designed such disclosure controls and procedures to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; (b) evaluated the effectiveness of the registrant's disclosure controls and procedures as of a date within 90 days prior to the filing date of this report (the "Evaluation Date"); and (c) presented in this report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as of the Evaluation Date; 5. The registrant's other certifying officers and I have disclosed, based on our most recent evaluation, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions): (a) all significant deficiencies in the design or operation of internal controls which could adversely affect the registrant's ability to record, process, summarize, and report financial data and have identified for the registrant's auditors any material weaknesses in internal controls; and (b) any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal controls; and 6. The registrant's other certifying officers and I have indicated in this report whether or not there were significant changes in internal controls or in other factors that could significantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses. Date: _______11/26/02______ /s__________________________________________ Thomas Napurano, Chief Financial Officer -----END PRIVACY-ENHANCED MESSAGE-----