Dividend Calendar 21 January 2003

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All 12 dividends with pay date on 21 January 2003

Security	Ex-Date	Pay Date	Div.%	Amount
Redwood Trust Inc	27/12/2002	21/01/2003	13.64%	$0.76
Banco Bilbao Vizcaya Argentaria SA ADR	07/01/2003	21/01/2003	5.22%	$0.08
SEI Investments Co	31/12/2002	21/01/2003	1.18%	$0.03
Rithm Property Trust Inc	27/12/2002	21/01/2003	9.91%	$0.42
CVB Financial Corp	02/01/2003	21/01/2003	3.93%	$0.05
Hingham Institution for Savings	08/01/2003	21/01/2003	1.13%	$0.35
Citizens & Northern Corp	26/12/2002	21/01/2003	5.32%	$0.13
Dime Community Bancshares Inc	27/12/2002	21/01/2003	2.74%	$0.11
RPT Realty	27/12/2002	21/01/2003	0.00%	$0.42
Armanino Foods of Distinction Inc	23/12/2002	21/01/2003	1.86%	$0.01
Toshin Holdings Co Ltd	28/10/2002	21/01/2003	0.00%	JP¥0
Edaran Bhd	06/01/2003	21/01/2003	2.68%	MYR 0.08

Security

Ex-Date

Pay Date

Div.%

Amount