Uban corporation, and its listing symbol, have a traceable track record. However, since the spin-off of Three Rivers Bank last Spring UBAN has eliminated a significant earning entity. In effect, UBAN corporation is re-organized with a CEO in a new corporate format. Accordingly, the current price may be a bargain if UBAN is profitably successful. The next few quarters are probably critical to UBAN's investment image. Unfortunately, management and the Board of Directors were not farsighted in the post spin-off accounting structure and the UBAN corporation is dragging the baggage of higher 1999 and first quarter 2000, earnings as compared to a more slender post spin-off corporation. The year to year comparative numbers make UBAN look like it's going downhill. Sharp outside accountants and astute management could, at minimum, provide adjusting Notes to define this change, but so far, we have not seen this in a way meaningful to the market. Hope this one person opinion is helpful.