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<SEC-DOCUMENT>0000850027-03-000006.txt : 20030225
<SEC-HEADER>0000850027-03-000006.hdr.sgml : 20030225
<ACCEPTANCE-DATETIME>20030225103102
ACCESSION NUMBER:		0000850027-03-000006
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030221
FILED AS OF DATE:		20030225

REPORTING-OWNER:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SCHMELTZ PEGGY L
		CENTRAL INDEX KEY:			0001193655
		RELATIONSHIP:				DIRECTOR

	FILING VALUES:
		FORM TYPE:		4

	MAIL ADDRESS:	
		STREET 1:		711 W THIRTEEN MILE RD
		CITY:			MADISON HEIGHTS
		STATE:			MI
		ZIP:			48071

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NAIC GROWTH FUND INC
		CENTRAL INDEX KEY:			0000850027
		IRS NUMBER:				311274796
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	811-05807
		FILM NUMBER:		03578461

	BUSINESS ADDRESS:	
		STREET 1:		711 WEST THIRTEEN MILE RD
		CITY:			MADISON HEIGHTS
		STATE:			MI
		ZIP:			48071
		BUSINESS PHONE:		8105836242

	MAIL ADDRESS:	
		STREET 1:		711 WEST THIRTEEN MILE RD
		CITY:			MADISON HEIGHTS
		STATE:			MI
		ZIP:			48071

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BETTER INVESTING FUND INC
		DATE OF NAME CHANGE:	19890716
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>schmeltz-feb2.htm
<DESCRIPTION>FORM 4
<TEXT>
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<B><FONT SIZE=3><P ALIGN="CENTER">UNITED STATES SECURITIES AND EXCHANGE COMMISSION</P>
</B><P ALIGN="CENTER"><B>Washington, D.C. 20549</P>
</B><P ALIGN="CENTER"></P>
<B><P ALIGN="CENTER">STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP</P>
<P ALIGN="CENTER"></P>
</B></FONT><FONT SIZE=2><P ALIGN="CENTER">Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility</P>
<P ALIGN="CENTER">Holding Company Act of 1935 or Section 30(f) of the Investment Company Act of 1940</P>

<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>(Print or Type Responses)</P></FONT>
<TABLE BORDER CELLSPACING=1 CELLPADDING=7 WIDTH=997>
<TR><TD WIDTH="30%" VALIGN="TOP">
<FONT SIZE=2><P>1.  Name and Address of Reporting Person*</P>

<P>Schmeltz                     Peggy                       L.</FONT></TD>
<TD WIDTH="37%" VALIGN="TOP" COLSPAN=7>
<FONT SIZE=2><P>2.  Issuer Name and Ticker or Trading Symbol</P>

<P>NAIC Growth Fund, Inc.   (GRF)</FONT></TD>
<TD WIDTH="33%" VALIGN="TOP" COLSPAN=4 ROWSPAN=2>
<FONT SIZE=2><P>6.  Relationship of Reporting Person(s) to Issuer</P>
<P ALIGN="CENTER">(Check all applicable)</P>

<U><P>   X </U>   Director                 _______ 10% Owner</P>
<U><P>   _</U>    Officer (give          _______ Other (specify</P>
<P>           title below)                                     below)</P>
</FONT></TD>
</TR>
<TR><TD WIDTH="30%" VALIGN="TOP">
<FONT SIZE=2><P>     (Last)                       (First)                     (Middle)</P>

<P>&nbsp;</P>
<P>845 Scott Boulevard</FONT></TD>
<TD WIDTH="20%" VALIGN="TOP" COLSPAN=3 ROWSPAN=2>
<FONT SIZE=2><P>3.  I.R.S Identification</P>
<P>     Number of Reporting</P>
<P>     Person, if an entity</P>
<P>     (Voluntary)</P>

<P>###-##-####</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" COLSPAN=4>
<FONT SIZE=2><P>4.  Statement for</P>
<P>     Month/Day/Year</P>
<P>February 21, 2003</FONT></TD>
</TR>
<TR><TD WIDTH="30%" VALIGN="TOP">
<FONT SIZE=2><P ALIGN="CENTER">(Street)</P>
<P ALIGN="CENTER"></P>
<P>Bowling Green               OH                         43402</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" COLSPAN=4>
<FONT SIZE=2><P>5.  If Amendment, </P>
<P>     Date of Original</P>
<P>     (Month/Year)</FONT></TD>
<TD WIDTH="33%" VALIGN="TOP" COLSPAN=4>
<OL START=7>

<FONT SIZE=2><LI>Individual or Joint/Group Filing </FONT><FONT SIZE=1>(Check Applicable Line)</LI></OL>

</FONT><U><FONT SIZE=2><P>  X  </U> Form filed by One Reporting Person</P>
<P>___ Form filed by More than One Person</FONT></TD>
</TR>
<TR><TD WIDTH="30%" VALIGN="TOP">
<FONT SIZE=2><P>     (City)                       (State)                      (Zip)</P>
</FONT></TD>
<TD WIDTH="70%" VALIGN="TOP" COLSPAN=11>
<B><FONT SIZE=2><P ALIGN="CENTER">&nbsp;</P>
<P ALIGN="CENTER">Table I - Non-Derivative Securities Acquired, Disposed of or Beneficially Owned</P>
<P ALIGN="CENTER"></B></FONT></TD>
</TR>
<TR><TD WIDTH="30%" VALIGN="TOP" ROWSPAN=2>
<FONT SIZE=2><P>1.  Title of Security</P>
<P>     (Instr. 3)</P>

<P>&nbsp;</P>
<P>NAIC Growth Fund, Inc.</P>
</FONT></TD>
<TD WIDTH="9%" VALIGN="TOP" ROWSPAN=2>
<FONT SIZE=2><P>2. Trans-</P>
<P>    action</P>
<P>     Date</P>

<P>&nbsp;</P>
<P>(Month/</P>
<P>Day/Year)</FONT></TD>
<TD WIDTH="13%" VALIGN="TOP" COLSPAN=3>
<FONT SIZE=2><P>3.  Transaction Code</P>
<P>     (Instr. 8)</P>

<P>&nbsp;</P>
<P>&nbsp;</FONT></TD>
<TD WIDTH="19%" VALIGN="TOP" COLSPAN=4>
<FONT SIZE=2><P>4.  Securities Acquired (A) </P>
<P>     or Disposed of (D) </P>
<P>     (Instr. 3, 4, and 5)</FONT></TD>
<TD WIDTH="11%" VALIGN="TOP" ROWSPAN=2>
<FONT SIZE=2><P>5.  Amount of</P>
<P>     Securities</P>
<P>     Beneficially</P>
<P>     Owned at</P>
<P>     End of Month</P>

<P>    (Instr. 3 and 4)</FONT></TD>
<TD WIDTH="8%" VALIGN="TOP" ROWSPAN=2>
<FONT SIZE=2><P>6.  Owner-</P>
<P>     ship</P>
<P>     Form:</P>
<P>     Direct</P>
<P>     (D) or</P>
<P>     Indirect</P>
<P>     (I)</P>
<P>     (Instr. 4)</FONT></TD>
<TD WIDTH="10%" VALIGN="TOP" ROWSPAN=2>
<FONT SIZE=2><P>7.  Nature of</P>
<P>     Indirect</P>
<P>     Beneficial</P>
<P>     Owner-</P>
<P>     ship</P>

<P>&nbsp;</P>
<P>    (Instr. 4)</FONT></TD>
</TR>
<TR><TD WIDTH="7%" VALIGN="TOP">
<FONT SIZE=2><P ALIGN="CENTER"></P>
<P ALIGN="CENTER">Code</FONT></TD>
<TD WIDTH="6%" VALIGN="TOP" COLSPAN=2>
<FONT SIZE=2><P ALIGN="CENTER"></P>
<P ALIGN="CENTER">V</FONT></TD>
<TD WIDTH="7%" VALIGN="TOP">
<FONT SIZE=2><P ALIGN="CENTER"></P>
<P ALIGN="CENTER">Amount</FONT></TD>
<TD WIDTH="5%" VALIGN="TOP">
<FONT SIZE=2><P>(A) or (D)</FONT></TD>
<TD WIDTH="7%" VALIGN="TOP" COLSPAN=2>
<FONT SIZE=2><P ALIGN="CENTER"></P>
<P ALIGN="CENTER">Price</FONT></TD>
</TR>
<TR><TD WIDTH="30%" VALIGN="TOP">
<FONT SIZE=2><P>Common Stock</FONT></TD>
<TD WIDTH="9%" VALIGN="TOP">
<FONT SIZE=2><P>02/21/2003</FONT></TD>
<TD WIDTH="7%" VALIGN="TOP">
<FONT SIZE=2><P ALIGN="CENTER">P</FONT></TD>
<TD WIDTH="6%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">
<FONT SIZE=2><P ALIGN="RIGHT">1000</FONT></TD>
<TD WIDTH="5%" VALIGN="TOP">
<FONT SIZE=2><P>   A</FONT></TD>
<TD WIDTH="7%" VALIGN="TOP" COLSPAN=2>
<FONT SIZE=2><P ALIGN="RIGHT">9.85</FONT></TD>
<TD WIDTH="11%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="8%" VALIGN="TOP">
<FONT SIZE=2><P ALIGN="CENTER"> </FONT></TD>
<TD WIDTH="10%" VALIGN="TOP">
<FONT SIZE=2><P> </FONT></TD>
</TR>
<TR><TD WIDTH="30%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="9%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="11%" VALIGN="TOP">
<FONT SIZE=2><P ALIGN="RIGHT">13980.0000</FONT></TD>
<TD WIDTH="8%" VALIGN="TOP">
<FONT SIZE=2><P ALIGN="CENTER">D</FONT></TD>
<TD WIDTH="10%" VALIGN="TOP">&nbsp;</TD>
</TR>
<TR><TD WIDTH="30%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="9%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="11%" VALIGN="TOP">
<FONT SIZE=2><P ALIGN="RIGHT">2000.0000</FONT></TD>
<TD WIDTH="8%" VALIGN="TOP">
<FONT SIZE=2><P ALIGN="CENTER">I</FONT></TD>
<TD WIDTH="10%" VALIGN="TOP">
<FONT SIZE=2><P>Spouse</FONT></TD>
</TR>
<TR><TD WIDTH="30%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="9%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="11%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="8%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="10%" VALIGN="TOP">&nbsp;</TD>
</TR>
<TR><TD WIDTH="30%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="9%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="11%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="8%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="10%" VALIGN="TOP">&nbsp;</TD>
</TR>
<TR><TD WIDTH="30%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="9%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="11%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="8%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="10%" VALIGN="TOP">&nbsp;</TD>
</TR>
<TR><TD WIDTH="30%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="9%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="11%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="8%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="10%" VALIGN="TOP">&nbsp;</TD>
</TR>
<TR><TD WIDTH="30%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="9%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="11%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="8%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="10%" VALIGN="TOP">&nbsp;</TD>
</TR>
<TR><TD WIDTH="30%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="9%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="11%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="8%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="10%" VALIGN="TOP">&nbsp;</TD>
</TR>
</TABLE>

<FONT SIZE=1><P>Reminder:  Report on a separate line for each class of securities beneficially owned directly or indirectly.</P>
<P>* If the form is filed by more than one reporting person, <I>see</I> Instruction 4(b)(v).</P>
</FONT><FONT SIZE=2><P>&#9;&#9;&#9;&#9;&#9;&#9;&#9;&#9;&#9;&#9;<B>Potential persons who are to respond to the collection of</B>&#9;&#9;(Over)</P>
<P>&#9;&#9;&#9;&#9;&#9;&#9;&#9;&#9;&#9;&#9;<B>information contained in this form are not required to respond</B>&#9;SEC 1474 (3-99)</P>
<P>&#9;&#9;&#9;&#9;&#9;&#9;&#9;&#9;&#9;&#9;<B>unless the form displays a currently valid OMB-control number. </P>
<P>FORM 4 (continued)</P>
<P ALIGN="CENTER">Table II - Derivative Securities Acquired, Disposed of or Beneficially Owned</P>
<P ALIGN="CENTER">(<I>e.g</I>., puts, calls, warrants, options, convertible securities)</P>
</B></FONT>
<TABLE BORDER CELLSPACING=1 CELLPADDING=7 WIDTH=1002>
<TR><TD WIDTH="17%" VALIGN="TOP" ROWSPAN=2>
<FONT SIZE=1><P>1.  Title of Derivative Security</P>
<P>     (Instr. 3)</P>
<B>
<P>&nbsp;</B></FONT></TD>
<TD WIDTH="7%" VALIGN="TOP" ROWSPAN=2>
<B><FONT SIZE=1><P>2. </B>Conver-</P>
<P>     sion or</P>
<P>    Exercise</P>
<P>    Price of</P>
<P>    Deri-</P>
<P>    vative</P>
<P>    Security</P>
<B>
<P>&nbsp;</B></FONT></TD>
<TD WIDTH="6%" VALIGN="TOP" ROWSPAN=2>
<FONT SIZE=1><P>3. Trans-</P>
<P>    action</P>
<P>    Date</P>

<P>(Month/</P>
<P>Day/</P>
<P>Year<B><I>)</B></I></FONT></TD>
<TD WIDTH="8%" VALIGN="TOP" COLSPAN=2>
<FONT SIZE=1><P>4. Trans-</P>
<P>    action</P>
<P>    Code</P>
<P>(Instr. 8)</FONT></TD>
<TD WIDTH="13%" VALIGN="TOP" COLSPAN=2>
<FONT SIZE=1><P>5.  Number of Deriv-</P>
<P>     active Securities</P>
<P>     Acquired (A) or</P>
<P>     Disposed of (D)</P>
<P>     (Instr. 3, 4, and 5)</FONT></TD>
<TD WIDTH="10%" VALIGN="TOP" COLSPAN=2>
<FONT SIZE=1><P>6. Date Exer-</P>
<P>    cisable and</P>
<P>    Expiration</P>
<P>    Date</P>

<P>    (Month/Day/</P>
<P>    Year)</FONT></TD>
<TD WIDTH="11%" VALIGN="TOP" COLSPAN=2>
<FONT SIZE=1><P>7.  Title and</P>
<P>     Amount</P>
<P>     of Underlying</P>
<P>     Securities</P>
<P>     (Instr. 3 and 4)</FONT></TD>
<TD WIDTH="7%" VALIGN="TOP" ROWSPAN=2>
<FONT SIZE=1><P>8. Price</P>
<P>    of</P>
<P>    Deriv</P>
<P>    ative</P>
<P>    Secur-</P>
<P>    ity</P>
<P>  (Instr. 5)</FONT></TD>
<TD WIDTH="7%" VALIGN="TOP" ROWSPAN=2>
<FONT SIZE=1><P>9. Number</P>
<P>   of deriv-</P>
<P>   ative</P>
<P>   Secur</P>
<P>   ities</P>
<P>   Benef</P>
<P>   ically</P>
<P>   Owned</P>
<P>   at End</P>
<P>   of</P>
<P>   Month (Instr. 4)</FONT></TD>
<TD WIDTH="7%" VALIGN="TOP" ROWSPAN=2>
<FONT SIZE=1><P>10. Owner-</P>
<P>    ship</P>
<P>    Form of</P>
<P>    Deriv </P>
<P>    ative</P>
<P>    Security:</P>
<P>    Direct</P>
<P>    (D) or</P>
<P>    Indirect</P>
<P>    (I)</P>
<P>    (Instr. 4)</FONT></TD>
<TD WIDTH="7%" VALIGN="TOP" ROWSPAN=2>
<FONT SIZE=1><P>11. Nature</P>
<P>    of</P>
<P>    Indirect</P>
<P>   Benefi</P>
<P>   cal</P>
<P>   Owner-</P>
<P>   ship</P>
<P> (Instr. 4)</FONT></TD>
</TR>
<TR><TD WIDTH="5%" VALIGN="TOP">
<FONT SIZE=1>
<P>&nbsp;</P>
<P>Code</P>

<P>&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="TOP">
<FONT SIZE=1><P ALIGN="CENTER">&nbsp;</P>
<P ALIGN="CENTER">&nbsp;</P>
<P ALIGN="CENTER">V</P>
<P ALIGN="CENTER"></FONT></TD>
<TD WIDTH="7%" VALIGN="TOP">
<FONT SIZE=1><P>&nbsp;</P>
<P>&nbsp;</P>
<P ALIGN="CENTER">(A)</FONT></TD>
<TD WIDTH="6%" VALIGN="TOP">
<FONT SIZE=1>
<P>&nbsp;</P>
<P ALIGN="CENTER">(D)</FONT></TD>
<TD WIDTH="5%" VALIGN="TOP">
<FONT SIZE=1>
<P>Date</P>
<P>Exer-cisable</P>

<P>&nbsp;</FONT></TD>
<TD WIDTH="5%" VALIGN="TOP">
<FONT SIZE=1><P>&nbsp;</P>
<P>Expir-</P>
<P>ation</P>
<P>Date</FONT></TD>
<TD WIDTH="4%" VALIGN="TOP">
<B><FONT SIZE=2>
<P>&nbsp;</P>
</B></FONT><FONT SIZE=1><P ALIGN="CENTER">Title</FONT></TD>
<TD WIDTH="7%" VALIGN="TOP">
<B><FONT SIZE=2>
</B></FONT><FONT SIZE=1><P ALIGN="CENTER">Amount</P>
<P ALIGN="CENTER">or Number of Shares</FONT></TD>
</TR>
<TR><TD WIDTH="17%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
</TR>
<TR><TD WIDTH="17%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
</TR>
<TR><TD WIDTH="17%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
</TR>
<TR><TD WIDTH="17%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="TOP">&nbsp;</TD>
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<B><FONT SIZE=2>
</B><P>Explanation of Responses:</P>
<P>* Purchase or sale of shares through voluntary cash purchase portion of dividend reinvestment plan and cash purchase plan.</P>

<P>&nbsp;</P>
<P>&nbsp;</P>
<P>**&#9;Intentional misstatements or omissions of facts constitute Federal Criminal Violations.&#9;<U>                   /s/Peggy L. Schmeltz&#9;&#9;</U>&#9;&#9;<U>February 25, 2003        </P>
</U><P>&#9;<I>See</I> 18 U.S.C. 1001 and 15 U.S.C. 78ff(a)&#9;&#9;&#9;&#9;&#9;&#9;&#9;** Signature of Reporting Person&#9;&#9;&#9;Date</P>

<P>Note:&#9;File three copies of this Form, one of which must be manually signed.  If space is insufficient,</P>
<P>&#9;<I>see</I> Instruction 6 for procedure.</P>

<P>Potential persons who are to respond to the collection of information contained in this form are not</P>
<P>required to respond unless the form displays a currently valid OMB Number<B>.</P></B></FONT></BODY>
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