Abington Savings Bank Advanced Financial Planning Groups Advanta Corporation American Business Financial Services American Heritage Credit Union Arthur Anderson LLP Berwind Corp. Carpenters Health & Welfare Fund Charles P. Elliott, CPA Chrysler Financial Corp. Commercial Credit Corporation Community National Bank CoreStates Financial Corp. Dale Tax Service David M. Miller, CPA Delaware Management Co. Inc. Federal Reserve Bank of Philadelphia Fidelity Bank Finova Capital Corporation Fischer & Porter Federal Credit Union Funds Associates, Ltd. Glenmede Trust Company Gund Investment Corporation JP Morgan Kreischer, Miller & Co. CPA's Lincoln Financial Advisors Lincoln Investment Planning Inc. MBNA America Bank Mentor Trust Co. Merrill Lynch Philadelphia Stock Exchange PNC Asset Management Corp. PNC Bank Police & Fire Federal Credit Union Price Waterhouse, LLP Princeton Financial Systems Progress Federal Savings Bank Royal Bank of Pennsylvania Sacco Sweeney LLP Stanley N. Booz & Co. CPA Towers Perrin United States Security & Exchange   Commission Valley Forge Equities, Inc. VanGuard Group West Management /Warner Co.