Dividend Calendar 01 February 2003

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All 15 dividends with pay date on 01 February 2003

Security	Ex-Date	Pay Date	Div.%	Amount
Bristol-Myers Squibb Co	31/12/2002	01/02/2003	4.22%	$0.28
4,500 stocks starting at €1 incl. Dividend Reinvestment Plan Ad
Deere & Co	27/12/2002	01/02/2003	1.07%	$0.11
Banco Santander SA	03/02/2003	01/02/2003	2.34%	€0.06
Lincoln National Corp	08/01/2003	01/02/2003	4.37%	$0.34
National Bank of Canada	20/12/2002	01/02/2003	2.33%	CA$0.13
Magnera Corp	31/12/2002	01/02/2003	0.00%	$0.18
Agilysys Inc	02/01/2003	01/02/2003	0.00%	$0.03
Norwood Financial Corp	13/01/2003	01/02/2003	4.29%	$0.09
ConnectOne Bancorp Inc	16/12/2002	01/02/2003	2.58%	$0.07
Laurentian Bank of Canada	30/12/2002	01/02/2003	4.67%	CA$0.29
Corby Spirit and Wine Ltd	14/01/2003	01/02/2003	6.23%	CA$0.13
RGC Resources Inc	15/01/2003	01/02/2003	3.88%	$0.10
Civista Bancshares Inc	16/01/2003	01/02/2003	2.64%	$0.26
Corby Spirit and Wine Ltd Registered Shs -B- Non Vtg	14/01/2003	01/02/2003	6.34%	CA$0.13
First United Corp	15/01/2003	01/02/2003	2.67%	$0.18

Security

Ex-Date

Pay Date

Div.%

Amount