We want to continue to aggressively focus on top-line and bottom-line growth and carry that into fiscal 2007, and that would certainly be my mandate.

No decisions have been made and there is no assurance that this exploration will result in any specific action.

Our strategy consistently has been to focus on profitable growth, not growth at any cost.

Our key operational focus is just loans growth and margins and basically in that regard, DBS was able to push some relatively good figures.

Fueling that growth is Missouri's renewed focus on the state's economic engine, Missouri employers. In 2005, Gov. Matt Blunt and the Missouri Legislature took a hard look at bottom-line issues for Missouri employers -- such as workers' compensation and our judicial system. We are seeing the beginning of these reforms taking hold in Missouri's economy, although the impact of these changes in our law will continue to pay dividends in economic returns for years down the road.

We are going to focus even more attention on the high-growth markets where we can gain additional leverage from the company's overall branding efforts. We plan to fuel significant new growth in our retail mortgage operations by re-directing resources to our most productive and profitable activities.