EXHIBIT INDEX

(i)       Opinion and consent of counsel as to the legality of the securities
          being registered.

(j)       Independent Auditors' Consent.

(q)(1)    Directors' Power of Attorney to sign Amendments to this Registration
          Statement dated January 7, 2004.

(q)(3)    Trustees Power of Attorney to sign Amendments to this Registration
          Statement, dated January 7, 2004.