May 20, 1998
Dear Shareholder:
We have not received the proxy form sent to you with the
annual report. We are anxious to have all stock represented
at our meeting. Even though you plan to attend in person,
it is still important that you send in your proxy. You have
the right to revoke the proxy prior to or at the meeting and
vote your shares in person.
We hope you will attend this meeting. However, please sign
the duplicate proxy we have provided and return in the
enclosed envelope. If stock is registered in the name of
two or more persons, each must sign. If one party is
deceased, please write "deceased" on the proxy. If you have
already mailed your proxy, please disregard this notice.
If you have questions regarding the meeting or your proxy,
please feel free to call 916-786-1111 or 786-1112.
Sincerely,
ROBERT L. DOYLE
Chairman of the Board
RLD:em
Enclosures
