I am pleased to provide you with a summary of the progress which our company has made during the second quarter of 2009.  As you are all aware, the national economy continues in the midst of the strongest downturn since the 1981 recession.  This recession was initiated by excesses in the credit markets which led to a major crisis among the very largest financial institutions.  This crisis has caused a shrinkage in credit unprecedented in my life; the largest banks in the world have shut down their lending across the economic spectrum – large commercial credit, real estate lending, mortgage lending, auto financing and credit cards.  The New Orleans market has remained contrarian with unemployment remaining well below national levels and economic activity continuing at a fairly significant pace...