Southwest Georgia Financial Corporation

Southwest Georgia Financial Corporation is listed on AMEX (SGB). The Corporations primary business is providing banking services to individuals and businesses principally in Colquitt County, Baker County, Thomas County, Worth County, and the surrounding counties of southwest Georgia through the Bank. In December of 2001, the Bank acquired the remaining 50 percent of the common stock of Empire Financial Services, Inc. (Empire), a commercial mortgage banking firm. The Bank acquired half of the common stock of Empire in May 1997 and owned the firm jointly until the fourth quarter of 2001. Effective February 27, 2004, the Corporation acquired and merged with First Bank Holding Company, Inc. (the First Bank). First Banks subsidiary bank, Sylvester Banking Company, is a full service commercial bank with its office in Sylvester, Worth County, Georgia. This office is a full service branch serving an area approximately 30 miles in radius. Sylvester Banking Company has approximately 25 percent of the Worth County deposit market.

Southwest Water Company

Southwest Water Company is listed on NASDAQ (SWWC). Southwest Water Company and its subsidiaries (Southwest Water, the Company, we, us or our, except where the context requires otherwise) provide a broad range of services including water production, treatment and distribution; wastewater collection and treatment; utility billing and collection; utility infrastructure construction management; and public works services. We own regulated public utilities and also serve cities, utility districts and private companies under contract. We provide our services to more than two million people. Our subsidiaries are segmented into two operating groups: our Utility Group and our Services Group. Within our Utility Group, we own and manage the operations of rate-regulated public water and wastewater utilities in California, New Mexico, Oklahoma and Texas, through which we sell water to residential and commercial customers.

21st Century Insurance Group ..bsidiaries, referred to hereinafter as the Company) is an insurance holding company registered on the New York Stock Exchange (NYSE: TW). We are a dir..

Tetra Tech Inc. ..ng and technical services in the areas of resource management and infrastructure. We also provide communications services. As a consultant, we assist ..

Timberland Bancorp Inc. ..n, was organized on September 8, 1997 for the purpose of becoming the holding company for Timberland Savings Bank, SSB (Bank) upon the Banks conversio..

Temecula Valley Bancorp Inc. (CA) ..ange Act, periodic and current reports must be filed with the Securities and Exchange Commission (SEC). We electronically files the following reports ..

Thomas Properties Group Inc. ..company as used herein refer to Thomas Properties Group, Inc. We are a full-service real estate operating company that owns, acquires, develops and ma..

Trimble Navigation Limited ..on (Trimble or the Company or we or our or us), provides advanced positioning product solutions, most typically to commercial and government users. Th..

Sadia S.A. ..dustrial and food processing segments. The Company's central administrative headquarters is located at Rua Fortunato Ferraz, 659, Vila Anastácio, São ..

Trintech Group PLC ..y under the laws of the Republic of Ireland in 1987. On August 23, 1999, the Company's shareholders resolved by special resolution to re-register us a..

Tyson Foods Inc. ..ly, the Company or Tyson), with world headquarters in Springdale, Arkansas, produce, distribute and market chicken, beef, pork, prepared foods and rel..

United Heritage Corporation ..that was formed in 1981. We are an independent producer of natural gas and crude oil based in Cleburne, Texas. We operate our business through our who..

U.S. Bancorp ..g company headquartered in Minneapolis, Minnesota. The Company was incorporated in Delaware in 1929. In February 2001, the Company completed a merger ..

ValueClick Inc. ..ble marketers to advertise and sell their products through all major online marketing channels-display-Web advertising, search marketing, email market..

ViroPharma Incorporated ..y dedicated to the development and commercialization of products that address serious diseases treated by physician specialists and in hospital settin..

Open Joint Stock Company Vimpel-Communications ..ecommunications services in Russia and Kazakhstan, with newly acquired operations in Ukraine, Tajikistan and Uzbekistan. We operate our telecommunicat..

Videsh Sanchar Nigam Limited ..arch 19, 1986 as a limited liability company under the Indian Companies Act, 1956. On April 1, 1986, the Company assumed control and management of all..

Washington Banking Company ..bank holding company with two wholly-owned subsidiaries: Whidbey Island Bank (WIB or the Bank), the Company's principal subsidiary and Washington Bank..

Western Gas Resources Inc. ..Form 10-K-A refer to Western Gas Resources, Inc. and its subsidiaries as a consolidated entity, except where it is clear that these terms mean only We..

WPS Resources Corporation ..nless the context otherwise indicates, when we refer to us, we, our or ours, we are describing WPS Resources. WPS Resources Corporation WPS Resources ..

West Corporation ..cing services focused on helping our clients communicate more effectively with their customers. We help our clients maximize the value of their custom..

Waste Industries USA Inc. ..available free of charge through our website our annual report on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K, and all amen..

XTO Energy Inc. ..in the acquisition, development, exploitation and exploration of producing oil and gas properties, and in the production, processing, marketing and tr..

Zomax Incorporated .. their products and content to market worldwide. We enhance the process of sourcing, production, and fulfillment through a modular suite of supply cha..

Abbott Laboratories ..corporated in 1900. Abbotts* principal business is the discovery, development, manufacture, and sale of a broad and diversified line of health care pr..

Ace Cash Express Inc. .. as a Texas corporation in March 1982. We are a leading retailer of financial services, including check cashing, short-term consumer loans and bill pa..

Adesa Inc ..ded provider of wholesale vehicle auction and related redistribution services and floorplan financing for used vehicle dealers. The Companys operation..

AEP Industries Inc. ..lastic packaging films. We manufacture and market an extensive and diverse line of polyethylene, polyvinyl chloride and polypropylene flexible packagi..

Agrium Inc. .. History 4 3.2 - Significant Acquisitions and Significant Divestitures in Past Three Years n-a 3.3 - Trends 16-17(1), 45-46(2) - Commitments 77(3) - C..

Aktieselskabet Dampskibsselskabet Torm ..TORM, a Danish shipping company founded in 1889 under the Danish Companies Act that is engaged primarily in the ownership and operation of product tan..

Alexanders Inc. .. (REIT), incorporated in Delaware, engaged in leasing, managing, developing and redeveloping properties. Alexanders activities are conducted through i..

American Shared Hospital Services ..her with its subsidiaries) provides Gamma Knife stereotactic radiosurgery services to nineteen (19) medical centers in seventeen (17) states. The Comp..

American Medical Alert Corp. .. incorporated under the laws of the State of New York in 1981, is a healthcare communications company. As used herein, the term AMAC or Company means,..

Authentidate Holding Corp. .. and related services in three segments: . the Security Software Solutions Segment (f-k-a Authentidate Segment, including AuthentiDate, Inc., Trac Med..

Ariba Inc. ..ow enterprises to efficiently manage the purchasing of non-payroll goods and services required to run their business. We refer to these non-payroll ex..

Art Technology Group Inc. ..s market to, sell to and service their customers and partners, via the Web, email, contact centers and mobile devices. Our solutions can enhance our c..

Cymer Inc. ..ht sources, the essential light source for deep ultraviolet (DUV) photolithography systems. DUV photolithography is a key enabling technology that has..

Avista Corporation ..ton in 1889, is an energy company engaged in the generation, transmission and distribution of energy as well as other energy-related businesses. As of..

AVI BioPharma Inc. ..apeutic products principally based on third-generation NEUGENE® antisense technology. Our principal products in development target life-threatening di..

AMREP Corporation ..ly engaged in three business segments: the Real Estate business operated by AMREP Southwest Inc. and its subsidiaries (collectively, AMREP Southwest),..

BCE Inc. ..OVERVIEW The Bell Canada segment is Canadas leading provider of wireless and wireless communications services, Internet access, data services and DTH ..

Brigham Exploration Company ..re an independent exploration, development and production company that utilizes 3-D seismic imaging and other advanced technologies to systematically ..

BIW Limited ..ham Utilities, Inc. (BUI or Birmingham Utilities) a specially chartered Connecticut public service corporation in the business of collecting and distr..

Badger Meter Inc. ..facturer of products, and a provider of services, using flow measurement and control technologies serving markets worldwide. The Company was incorpora..

Bank of Commerce Holdings (CA) .. a financial holding company (FHC) registered under the Bank Holding Company Act of 1956, as amended, and was incorporated in California on January 21..

Boston Properties Inc. ..ny refer to Boston Properties, Inc., a Delaware corporation organized in 1997, individually or together with its subsidiaries, including Boston Proper..

BT GROUP PLC ..ormation set forth under the headings: . Contents on page 1 (first two paragraphs); . Business review ? Introduction on page 7; . Business review ? In..

Baker (Michael) Corporation ..940 and organized as a Pennsylvania corporation in 1946. Today, through its operating subsidiaries, Baker provides engineering and energy expertise fo..

Catalytica Energy Systems Inc. ..) was incorporated in Delaware in 1995 as a subsidiary of Catalytica, Inc. Catalytica Energy operated as part of Catalytica, Inc.'s research and devel..

Cutter & Buck Inc. ..d in 1990, is based in Seattle, Washington. The Company designs, sources, markets, and distributes high-quality sportswear under the Cutter & Buck bra..

Cabot Microelectronics Corporation ..ctronics, the Company, us, we, or our), which was incorporated in the state of Delaware in 2000, is the leading supplier of high-performance polishing..

Cardero Resource Corporation ..Year History The Company is a mineral exploration company engaged in the acquisition, exploration and development of mineral properties. The Company c..

Comfort Systems USA Inc. .. provides comprehensive heating, ventilation and air conditioning (HVAC) installation, maintenance, repair and replacement services within the mechani..

CHS Inc ..OR PROVISIONS OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 The information in this Annual Report on Form 10-K for the year ended August 31,..

Commercial Capital Bancorp Inc. ..tion, is a diversified financial services holding company that provides a variety of lending and deposit products and services to middle market commer..

Core Materials Corporation ..MAC) incorporated Core Molding Technologies, Inc. (Core Molding Technologies), formerly known as Core Materials Corporation before changing its name o..

China Netcom Group Corporation (Hong Kong) Limited ..hina Netcom Group Corporation (Hong Kong) Limited. Our principal executive offices are located at Building C, No. 156 Fuxingmennei Avenue, Xicheng Dis..

Rockwell Medical Technologies Inc. ..ober 25, 1996. We manufacture hemodialysis concentrates and dialysis kits, and we sell, distribute and deliver these and other ancillary hemodialysis ..

Chiquita Brands International Inc. .. subsidiaries (collectively, Chiquita) operate as a leading international marketer and distributor of bananas and other fresh produce sold under the C..

Carbo Ceramics Inc. ..er and supplier of ceramic proppant for use in the hydraulic fracturing of natural gas and oil wells. In addition, the Company is the largest provider..

CAPITALSOURCE INC ..oviding loans to small and medium-sized businesses. Our goal is to be the lender of choice for small and medium-sized businesses with annual revenues ..

Central Vermont Pub Svc ..available free of charge through its Internet Web Site, http:-www.cvps.com its annual report on Form 10-K, quarterly reports on Form 10-Q, current rep..

CVS Corporation ..e industry in the United States with net sales of $30.6 billion in 2004. As of January 1, 2005, we operated 5,375 retail and specialty pharmacy stores..

Dyax Corp. ..discovery, development and commercialization of novel biotherapeutics for unmet medical needs, with an emphasis on cancer and inflammatory indications..