United States
Securities and Exchange Commission
Washington DC 20549
Schedule 13D
Under the Securities and Exchange Act of 1934
(Amendment No.____)*
Advanta Corp
(Name of Issuer)
Class B, Common Stock, $ .01 par value
(Title of Class of Securities)
007942204
(CUSIP Number)
Howard Amster, 23811 Chagrin Blvd, Suite 200
Beachwood, OH 44122-5525 (216) 595-1047
(Name, Address and Telephone Number of Person Authorized to
Receive Notices and Communications)
November 7, 2000
(Date of Event which Requires Filing of this Statement)
If this filing person has previously filed a statement on Schedule 13G to
report this acquisition which is the subject of this Schedule 13D, and is
filing this schedule because of Rule 13d-1(b) (3) or (4), check the
following box / /.
Note: Six copies of this statement, including all exhibits, should be
filed with the Commission. See Rule 13d-1(a) for other parties to
whom copies are to be sent.
*The remainder of this cover page shall be filled out for a reporting
person's initial filing on this form with respect to the subject to the
subject class of securities, and for any subsequent amendment
containing information which would alter disclosures provided
in a prior cover page.
This information required on the remainder of this cover page shall
not be deemed to be "filed" for the purpose of Section 18 of the
Securities Exchange Act of 1934 ("Act") or otherwise subject to the
liabilities of that section of the Act, but shall be subject to all other
provisions of the Act (however see the Notes).
1 Name of Reporting Person Howard Amster
2 If a member of a group a) / /
b) /X/
3 SEC Use only
4 Source of Funds PF
5 Check if Disclosure of Legal Proceedings is Required
6 Citizenship or Place of Organization USA
Number of Shares 7 Sole Voting 363,944
Beneficially Owned
By Each Reporting
Person With 8 Shared Voting 385,702
9 Sole Dispositive 363,944
10 Shared Dispositive 385,702
11 Aggregate Amount Beneficially owned 642,150
12 Check if Aggregate Amount (11) Excludes Certain Shares
13 Percent of Class Represented by amount in row (11) 3.74 %
14 Type of Reporting Person IN
1 Name of Reporting Person Amster Trading Company
2 If a member of a group a) / /
b) /X/
3 SEC Use only
4 Source of Funds WC
5 Check if Disclosure of Legal Proceedings is Required
6 Citizen or Place of Organization USA
Number of Shares 7 Sole Voting
Beneficially Owned
By Each Reporting
Person With 8 Shared Voting 284,849
9 Sole Dispositive
10 Shared Dispositive 284,849
11 Aggregate Amount Beneficially owned 169,706
12 Check if Aggregate Amount (11) Excludes Certain shares
13 Percent of Class Represented by amount in row (11) .99 %
14 Type of Reporting Person CO
1 Name of Reporting Person Amster Trading Company
Charitable Remainder Unitrusts
2 If a member of a group a) / /
b) /X/
3 SEC Use only
4 Source of Funds AF
5 Check if Disclosure of Legal Proceedings is Required
6 Citizenship or Place of Organization USA
Number of Shares 7 Sole Voting
Beneficially Owned
By Each Reporting
Person With 8 Shared Voting 115,143
9 Sole Dispositive
10 Shared Dispositve 115,143
11 Aggregate Amount Beneficially owned 115,143
12 Check if Aggregate Amount (11) Excludes Certain Shares
13 Percent of Class represented by amount in row (11) .67 %
14 Type of Reporting Person OO
1 Name of Reporting Person Howard Amster & Tamra F. Gould
Charitable Remainder Unitrust
2 If a member of a group a) / /
b) /X/
3 SEC Use only
4 Source of Funds AF
5 Check if Disclosure of Legal Proceedings is Required
6 Citizenship or Place of Organization USA
Number of shares 7 Sole Voting
Beneficially Owned
By Each Reporting
Person With 8 Shared Voting 31,653
9 Sole Dispositive
10 Shared Dispositive 31,653
11 Aggregate Amount Beneficially owned 31,653
12 Check if Aggregate Amount (11) Excludes Certain Shares
13 Percent of Class Represented by amount in row (11) .18 %
14 Type of Reporting Person OO
1 Name of Reporting Person Howard M Amster Charitable
Remainder Unitrust
2 If a member of a group a) / /
b) /X/
3 SEC Use only
4 Source of Funds AF
5 Check if Disclosure of Legal Proceedings is Required
6 Citizenship or Place of Organization USA
Number of Shares 7 Sole Voting
Beneficially Owned
By Each Reporting
Person With 8 Shared Voting 18,300
9 Sole Dispositive
10 Shared Dispositive 18,300
11 Aggregate Amount Beneficially owned 18,300
12 Check if Aggregate Amount (11) Excludes Certain Shares
13 Percent of Class Represented by amount in row (11) .1 %
14 Type of Reporting Person OO
1 Name of Reporting Person Howard Amster & Tamra F. Gould
as Tenants in Common
2 If a member of a group a) / /
b) /X/
3 SEC Use only
4 Source of Funds PF
5 Check if disclosure of Legal Proceedings is Required
6 Citizenship or Place of Organization USA
Number of Shares 7 Sole Voting
Beneficially Owned
By Each Reporting 8 Shared Voting 30,800
Person With
9 Sole Dispositive
10 Shared Dispositive 30,800
11 Aggregate Amount Beneficially owned 30,800
12 Check if Aggregate Amount (11) Excludes Certain Shares
13 Percent of Class Represented by amount in row (11) .18 %
14 Type of Reporting Person IN
1 Name of Reporting Person Tamra F. Gould
2 If a member of a group a) / /
b) /X/
3 SEC Use only
4 Source of Funds PF
5 Check if disclosure of Legal Proceedings is Required
6 Citizenship or Place of Organization USA
Number of Shares 7 Sole Voting 35,089
Beneficially Owned
By Each Reporting
Person With 8 Shared Voting 99,042
9 Sole Dispositive 35,089
10 Shared Dispositive 99,042
11 Aggregate Amount Beneficially owned 50,489
12 Check if Aggregate Amount (11) Excludes Certain Shares
13 Percent of Class Represented by amount in row (11) .29%
14 Type of Reporting Person IN
1 Name of Reporting Person Gould Trading Company
2 If a member of a group a) / /
b) /X/
3 SEC Use only
4 Source of Funds WC
5 Check if Disclosure of Legal Proceedings is Required
6 Citizenship or Place of Organization USA
Number of shares 7 Sole Voting
Beneficially Owned
By Each Reporting
Person With 8 Shared Voting 36,589
9 Sole Dispositive
10 Shared Dispositive 36,589
11 Aggregate Amount Beneficially owned 36,589
12 Check if Aggregate Amount (11) Excludes Certain Shares
13 Percent of Class Represented by amount in row (11) .21 %
14 Type of Reporting Person CO
1 Name of Reporting Person Pleasant Lake Apts Corp
2 If a member of a group a) / /
b) /X/
3 SEC Use only
4 Source of Funds WO
5 Check if Disclosure of Legal Proceedings is Required
6 Citizenship or Place of Organization USA
Number of Shares 7 Sole Voting
Beneficially Owned
By Each Reporting
Person With 8 Shared Voting 20,100
9 Sole Dispositive
10 Shared Dispositive 20,100
11 Aggregate Amount Beneficially owned 20,100
12 Check if Aggregate Amount (11) Excludes Certain Shares
13 Percent of Class Represented by amount in row (11) .12%
14 Type of Reporting Person CO
1 Name of Reporting Person Pleasant Lake Apts
Limited Partnership
2 If a member of a group a) / /
b) /X/
3 SEC Use only
4 Source of Funds OO
5 Check if Disclosure of Legal Proceedings is Required
6 Citizenship or Place of Organization USA
Number of Shares 7 Sole Voting
Beneficially Owned
By Each Reporting
Person With 8 Shared Voting 20,100
9 Sole Dispositive
10 Shared Dispositive 20,100
11 Aggregate Amount Beneficially owned 20,100
12 Check if Aggregate Amount (11) Excludes Certain Shares
13 Percent of Class Represented by amount in row (11) .12 %
14 Type of Reporting Person PN
1 Name of Reporting Person Ramat Securities Ltd
2 If a member of a group a) / /
b) /X/
3 SEC Use only
4 Source of Funds WC
5 Check if Disclosure of Legal Proceedings is Required
6 Citizenship or Place of Organization USA
Number of Shares 7 Sole Voting
Beneficially Owned
By Each Reporting
Person With 8 Shared Voting 73,000
9 Sole Dispositive
10 Shared Dispositive 73,000
11 Aggregate Amount Beneficially owned 73,000
12 Check if Aggregate Amount (11) Excludes Certain Shares
13 Percent of Class Represented by amount in row (11) .43 %
14 Type of Reporting Person BD
Schedule 13D
Item 1 Security and Issuer
Advanta Corp Class B, common stock, $.01 par value
CUSIP 007942204
Advanta Corp
Welsh and McKean Roads, P.O. Box 844
Spring House, PA 19477
(215) 647-4000
Item 2 Identity and Background
Howard Amster and Tamra F. Gould are husband and wife. Each has
independent assets and each disclaims any beneficial ownership in the
other's assets.
Howard Amster is a 99% owner of Amster Trading Company and as such
can be deemed the beneficial owner of such entity and may be deemed to
have shared voting and dispositive power over shares by Amster
Trading Company.
Tamra F. Gould is a 100% owner of Gould Trading Company and as such
can be deemed the beneficial owner of such entity and may be deemed
to have shared voting and dispositive power over shares owned by
Gould Trading Company.
Amster Trading Company Charitable Remainder Unitrusts has been 100%
funded by Amster Trading Company. Because Amster Trading Company
has the right to change the trustee of the trusts, it can be deemed to have the
right to shared voting and dispositive power over any security owned by
the trusts. While Amster Trading Company receives certain income distributions
from the trusts, the assets owned by the trusts benefits charitable purposes.
Amster Trading Company disclaims beneficial ownership of the
securities owned by these trusts. William Costaras acts as sole
trustee for the Amster Trading Company Charitable Remainder Unitrusts.
William Costaras disclaims beneficial ownership of the shares
owned by such trusts and disclaims being a member of the group.
Howard Amster and Tamra F. Gould Charitable Remainder Unitrust
has been 100% funded by Howard Amster. Because he has the right
to change the trustee of this trust, he can be deemed to have the right
to shared voting and dispositive power over any security owned by the
trust. While Mr. Amster receives certain income distributions from
the trust during his lifetime, the assets owned by the trust benefits
charitable purposes. Both, Mr. Amster and Ms. Gould disclaim beneficial
ownership of the securities owned by this trust. William Costaras
acts as sole trustee for the Howard Amster and Tamra F. Gould
Charitable Remainder Unitrust. William Costaras disclaims beneficial
ownership of the shares owned by such trust and disclaims being a
member of the group.
Howard M. Amster Charitable Remainder Unitrust has been 100% funded by
Howard Amster. Because he has the right to change the trustee of this
trust, he can be deemed to have the right to shared voting and dispositive
power over any security owned by the trust. While Mr. Amster receives
certain income distributions from the trust during his lifetime, the
assets owned by the trust benefits charitable purposes. Mr. Amster disclaims
beneficial ownership of the securities owned by this trust. William
Costaras acts as sole trustee for the Howard M. Amster Charitable
Remainder Unitrust. William Costaras disclaims beneficial ownership
of the shares owned by such trust and disclaims being a
member of the group.
a) William Costaras as trustee for:
Amster Trading Company Charitable Remainder Unitrusts
Howard Amster and Tamra F. Gould Charitable Remainder Unitrust
Howard M. Amster Charitable Remainder Unitrust
b) 22674 Halburton Road, Beachwood, OH 44122-3971
c) Present principal occupation-Registered Representative
securities firm Ramat Securities Ltd, 23811 Chagrin Blvd #200,
Beachwood, OH 44122-5525
d) William Costaras has not been convicted in any criminal proceedings
(excluding traffic violations or similar misdemeanors if any)
within the last five years.
e) William Costaras has not been a party to any civil proceedings
of a judicial or administrative body of competent jurisdiction
of the type described in Item 2 of Schedule 13D within
the last five years.
Howard Amster is a 100% owner of Pleasant Lake Apts Corp and as such
can be deemed the beneficial owner of such entity and maybe deemed to
have shared voting and dispositive power over shares owned by Pleasant
Lake Apts Corp. Pleasant Lake Apts. Corp is the General Partner of
Pleasant Lake Apts. Limited Partnership.
Howard Amster is an 83% owner of Ramat Securities Ltd. Howard Amster
can be deemed to be a beneficial owner of any securities owned by
Ramat Securities Ltd. Mr. Amster does not control the voting or dispositive
power of any securities owned by Ramat Securities Ltd.
David Zlatin is a 17% owner of Ramat Securities Ltd. David Zlatin
has sole voting and dispositive power of any securities owned by
Ramat Securities Ltd. David Zlatin can by reason of his ownership
in Ramat Securities Ltd can be deemed beneficial owner of any securities
owned by Ramat Securities Ltd. David Zlatin can be deemed to be the
beneficial owner of 11,514 shares. David Zlatin disclaims being a member
of this group and therefore, such 11,514 shares are not included
in this filing.
a) David Zlatin
b) 23811 Chagrin Blvd,#200, Beachwood, OH 44122-5525
c) Present principal occupation-Principal, Ramat Securities Ltd,
securities firm- 23811 Chagrin Blvd #200, Beachwood, OH 44122-5525
d) David Zlatin has not been convicted in any criminal proceedings
(excluding traffic violations or similar misdemeanors, if any) within
the last five years.
e) David Zlatin has not been party to any civil proceedings of a
judicial or administrataive body of competent jurisdiction of the type
described in Item 2 of Schedule 13D within the last five years.
a) Howard Amster
b) 25812 Fairmount Blvd, Beachwood, OH 44122-2214
c) Present principal occupation- Principal, Ramat Securities Ltd,
securities firm- 23811 Chagrin Blvd # 200 Beachwood, OH 44122-5525
d) Howard Amster has not been convicted in any criminal proceedings
(excluding traffic violations or similar misdemeanors, if any) within
the last five years.
e) Howard Amster has not been party to any civil proceedings of a
judicial or administrative body of competent jurisdiction of the type
described in Item 2 of Schedule 13D within the last five years.
f) USA
Amster Trading Company, 25812 Fairmount Blvd, Beachwood, OH 44122
Investments
d) Neither the officers, directors, or shareholders of Amster Trading
Company have been convicted in any criminal proceedings (excluding
traffic violations or similar misdemeanors, if any) within the last
five years.
e) Neither the officers, directors or shareholders of Amster Trading
Company have been a party to any civil proceedings of a judicial or
administrative body of competent jurisdictions of the type described in
Item 2 of Schedule 13D within the last five years.
Amster Trading Company Charitable Remainder Unitrusts
22674 Halburton Road, Beachwood, OH 44122-3971
Charitable Remainder Unitrust
d) Neither the trust or trustee of the Amster Trading Company
Charitable Remainder Unitrusts have been convicted in any criminal
proceedings (excluding traffic violations or similar misdemeanors if
any) within the last five years.
e) Neither the trust or the trustee of the Amster Trading Company
Charitable Remainder Unitrusts have been a party to any civil proceedings
of a judicial or administrative body of competent jurisdiction
of the type described in Item 2 of Schedule 13D within the last five years.
Howard Amster & Tamra F. Gould Charitable Remainder Unitrust
22674 Halburton Road, Beachwood, OH 44122-3971
Charitable Remainder Unitrust
d) Neither the trust or trustee of the Howard Amster & Tamra F. Gould
Charitable Remainder Unitrust have been convicted in any criminal
proceedings (excluding traffic violations or similar misdemeanors if
any) within the last five years.
e) Neither the trust or the trustee of the Howard Amster & Tamra F. Gould
Charitable Remainder Unitrust have been a party to any civil proceedings
of a judicial or administrative body of competent jurisdiction
of the type described in Item 2 of Schedule 13D within the last five years.
Howard M Amster Charitable Remainder Unitrust, 22674 Halburton Road,
Beachwood, OH 44122-3971
Charitable Remainder Unitrust
d) Neither the trust or trustee of the Howard M Amster Charitable
Remainder Unitrust have been convicted in any criminal proceedings
(excluding traffic violations or similar misdemeanors if any)
within the last five years.
e) Neither the trust or the trustee of the Howard M Amster Charitable
Remainder Unitrust have been a party to any civil proceedings of a
jdicial or administrative body of competent jurisdiction
of the type described in Item 2 of Schedule 13D within the last five years.
a) Tamra F. Gould
b) 25812 Fairmound Blvd, Beachwood, OH 44122-2214
c) Present principal occupation- Securities Trader, Tamar Securities,
Broker Dealer, 23811 Chagrin Blvd # 200, Beachwood, OH 44122-5525
d) Tamra F. Gould has not been convicted in any criminal proceedings
(excluding traffic violations or similar misdemeanors if any)
within the last five years.
e) Tamra F. Gould has not been a party to any civil proceedings of a
judicial or administrative body of competent jurisdiction of the
type described in Item 2 of Schedule 13D within the last five years.
Gould Trading Company, 25812 Fairmount Blvd, Beachwood, OH 44122
Investments
d) Neither the officers, directors or shareholders of Gould Trading
Company have been convicted in any criminal proceedings
(excluding traffic violations or similar misdemeanors, if any)
within the last five years.
e) Neither the officers, directors or shareholders of Gould Trading
Company have been a party to any civil proceedings of a judicial or
administrative body of competent jurisdictions of the type described
in Item 2 of Schedule 13D within the last five years.
Pleasant Lake Apts. Corp, 25812 Fairmount Blvd, Beachwood, OH 44122
Investments
d) Neither the officers, directors or shareholders of Pleasant Lake
Apts. Corp have been convicted in any criminal proceedings (excluding
traffic violations or similar misdemeanors, if any)
within the last five years.
e) Neither the officers, directors or shareholders of Pleasant Lake
Apts. Corp have been a party to any civil proceedings of a judicial or
administrative body or competent jurisdiction of the type described
in Item 2 of Schedule 13D within the last five years.
Pleasant Lake Apts. Limited Partnership, 7530 Lucerne Dr # 101
Middleburg Heights, OH 44130
Investments
d) Neither the officers, directors or partners of Pleasant Lake
Apts Limited Partnership have been convicted in any criminal proceedings
(excluding traffic violations or similar misdemeanors, if any)
within the last five years.
e) Neither the officers, directors or partners of Pleasant Lake
Apts. Limited Partnership have been a party to any civil proceedings
of a judicial or administrative body or competent jurisdiction of the
type described in Item 2 of Schedule 13D within the last five years.
Ramat Securities Ltd, 23811 Chagrin Blvd #200, Beachwood, OH 44122
Broker Dealer
d) Neither the members or unitholders of Ramat Securities Ltd have
been convicted in any criminal proceedings (excluding the traffic
violations or similar misdemeanors, if any) within the last five years.
e) Neither the members or unitholders of Ramat Securities Ltd have
been a party to any civil proceedings of a judicial or administrative
body or competent jurisdiction of the type described in Item 2
of Schedule 13D within the last five years.
Item 3. Source and Amount of Funds or Other Consideration
Howard Amster, in his personal and retirement accounts purchased
all Advanta Corp Class B shares with personal funds without
borrowing. The total consideration for the purchases is
$ 3,540,423.70.
Amster Trading Company purchased all Advanta Corp Class B shares
with working capital without borrowing. The total consideration
for the purchases is $ 2,011,154.85.
Amster Trading Company Charitable Remainder Unitrusts purchased
all Advanta Corp Class B shares with trust assets without borrowing.
The total consideration for the purchases is $ 2,003,492.14.
Howard Amster and Tamra F. Gould Charitable Remainder
Unitrust purchased all Advanta Corp Class B shares with trust
assets without borrowing. The total consideration for the
purchases is $ 485,712.55.
Howard M Amster Charitable Remainder Unitrust purchased all Advanta
Corp Class B shares with trust assets without borrowing. The total
consideration for the purchases is $ 249,436.82.
Howard Amster and Tamra F. Gould as tenants in common purchased
all Advanta Corp Class B shares with personal funds without
borrowing. The total considerations for the purchases
is $ 489,927.46.
Tamra F. Gould, in her personal and retirement accounts purchased
all Advanta Corp Class B shares with personal funds without borrowing.
The total consideration for the purchases is $ 286,109.17.
Gould Trading Company purchased all Advanta Corp Class B shares
with working capital without borrowing. The total consideration
for the purchases is $ 673,961.02.
Pleasant Lakes Apts Limited Partnership purchased all Advanta Corp
class B shares with partnership funds without borrowing. The
total consideration of the purchases is $234,377.25.
Ramat Securities Ltd purchased all Advanta Corp Class B shares with
working capital without borrowing. The total consideration for
the purchases is $ 538,109.78.
Item 4 Purpose of Transaction
Howard Amster, Amster Trading Company, Amster Trading Company
Charitable Remainder Unitrusts, Howard Amster & Tamra F. Gould
Charitable Remainder Unitrust, Howard M Amster Charitable
Remainder Unitrust, Howard Amster and Tamra F. Gould as tenants
in common, Tamra F. Gould, Gould Trading Company
Pleasant Lake Apts Limited Partnership and Ramat Securities Ltd.,
acquired their shares for purposes of investment.
There are no present plans or proposals by any of the purchasers of
record or the beneficial owners as reported in this Schedule 13D which
relate to or would result in the following:
a. The acquisition by any person of additional securities of the issuer,
or the disposition of securities of the issuer provided, however, the
reporting person might acquire additional shares or other securities of
the issuer or dispose of some or all of their shares depending upon market
conditions and their personal circumstances;
b. An extraordinary corporate transaction, such as a merger,
reorganization or liquidation, involving the issuer or any of its
subsidiaries;
c. A sale or transfer or a material amount of assets of the issuer or
any of its subsidiaries;
d. Any change in the present board of directors or management of the
issuer, including any plans or proposals to change the number of the terms
of directors or to fill any existing vacancies on the board;
e. Any material change in the present capitalization or dividend policy
of the issuer;
f. Any other material in the issuer's business or corporate structure;
g. Changes in the issuer's charter, bylaws or instruments corresponding
thereto or other actions which may impede the acquisition of control of
the issuer by any person;
h. Causing a class of securities of the issuer to be delisted from a
national securities exchange or cease to be authorized to be quoted in
an inter-dealer quotation system of a registered national securities
association;
i. A class of equity securities of the issuer becoming eligible for
termination of registration pursuant to Section 12(g)(4) of the Act; or
j. Any action similar to any of those enumerated above.
Item 5. Interest in Securities of the Issuer
(a)(b) The aggregate amount owned by the Reporting Persons is
894,324 shares or 5.20 % of the outstanding shares.
Howard Amster in his own name and individual retirement accounts
owns 363,944 shares or 2.12 % of the outstanding shares.
Amster Trading Company owns 169,706 shares or .99 %
of the outstanding shares.
Amster Trading Company Charitable Remainder Unitrusts owns
115,143 shares or 0.67 % of the outstanding shares.
Howard Amster & Tamra F. Gould Charitable Remainder Unitrust
owns 31,653 or 0.18 % of the outstanding shares.
Howard M. Charitable Remainder Unitrust owns 18,300 or
0.1 % of the outstanding shares.
Howard Amster and Tamra F. Gould as tenant in common own
30,800 shares or .18 % of the outstanding shares.
Howard Amster disclaims ownership of 1/2 of these shares.
Tamra F. Gould disclaims ownership of 1/2 of these shares.
Tamra F. Gould in her own name and individual retirement accounts
owns 35,089 shares or 0.2 % outstanding shares.
Gould Trading Company owns 36,589 or 0.21 % of the
outstanding shares.
Pleasant Lake Apts Limited Partnership 20,100 shares
or 0.12 % of the outstanding shares.
Ramat Securities Ltd owns 73,000 shares or
0.43 % of the outstanding shares.
David Zlatin is a 17% owner of Ramat Securities Ltd but disclaims
being personally part of the group as described in Item 2.
c) Description of Transactions
All shares were purchased in the over the counter market
as an open market transaction. ** Except where noted as a
payment in kind income distribution from a remainder unitrust.
<TABLE> <CAPTION>
<S> <C> <C>
Identity Date Shares Price Executing Broker
Howard Amster/& 01/30/98 9,133 29.1375 Everen Securities
his individual 02/11/98 88 29.2763 Everen Securities
retirement 02/12/98 5,589 29.1375 Everen Securities
accounts 02/12/98 5,000 29.1875 Everen Securities
03/02/98 10,100 21.1975 Everen Securities
06/03/98 10,000 18.9765 Everen Securities
08/11/98 22,000 14.3607 Everen Securities
08/12/98 10,000 14.6437 Everen Securities
08/27/98 13,200 9.3047 Everen Securities
09/01/98 800 10.25 Everen Securities
11/18/98 35,000 8.117 Everen Securities
11/19/98 3,400 7.875 Everen Securities
11/20/98 26,000 8.0916 Everen Securities
12/14/98 4,700 7.875 value**Payment in kind
04/15/99 9,000 9.4255 Everen Securities
01/28/00 9,700 13.4111 First Union Sec
01/31/00 1,600 13.625 First Union Sec
02/01/00 8,000 13.5625 First Union Sec
03/07/00 13,000 12.3077 First Union Sec
06/30/00 234 8.59375 value**Payment in kind
08/02/00 8,400 7.968 Bear Stearns
10/10/00 10,000 4.8518 Bear Stearns
10/16/00 7,000 4.6875 Bear Stearns
10/16/00 35,100 4.5033 Bear Stearns
10/17/00 18,400 4,4406 Bear Stearns
10/18/00 33,000 4.3554 Bear Stearns
10/19/00 5,700 4.51 Bear Stearns
10/20/00 6,700 4.577 Bear Stearns
11/03/00 6,000 7.3438 Bear Stearns
11/07/00 14,600 7.0764 Bear Stearns
11/08/00 6,500 7.0913 Bear Stearns
11/09/00 5,000 6.775 Bear Stearns
11/10/00 2,500 6.725 Bear Stearns
11/13/00 8,500 6.3658 Bear Stearns
Amster Trading 06/02/98 588 19.0199 Everen Securities
Company 06/18/98 15,000 18.7333 Everen Securities
06/19/98 1,000 18.8125 Everen Securities
06/22/98 5,000 18.6875 Everen Securities
07/24/98 37,800 16.1265 Everen Securities
08/07/98 5,000 14.70 Everen Securities
04/15/99 17,000 9.4255 Everen Securities
04/16/99 12,500 9.3925 Everen Securities
12/20/99 2,700 13.375 value**Payment in kind
01/25/00 8,000 13.3046 Friedman, Billings
01/27/00 7,600 13.5427 First Union Sec
06/30/00 31,218 8.59375 value**Payment in kind
10/10/00 26,300 4.8518 Bear Stearns
Amster Trading 02/11/98 87 29.2763 Everen Securities
Company Charitable 03/02/98 19,000 21.1975 Everen Securities
Remainder Unitrusts 05/15/98 13,100 19.7165 Everen Securities
06/02/98 11,793 19.0199 Everen Securities
06/05/98 39,963 19.25 Everen Securities
06/23/98 5,000 18.90625 Everen Securities
07/24/98 3,600 16.1265 Everen Securities
08/08/00 12,600 8.6386 First Union Sec
08/17/00 10,000 8.0625 First Union Sec
Howard Amster & Tamra 05/15/98 853 19.7165 Everen Securities
F. Gould Charitable 06/05/98 12,500 19.25 Everen Securities
Remainder Unitrust 01/27/00 5,000 13.5427 First Union Sec
01/28/00 3,300 13.4111 First Union Sec
04/14/00 5,000 11.875 Friedman,Billings
04/14/00 5,000 11.125 First Union Sec
Howard M Amster 07/24/98 11,500 16.1265 Everen Securities
Charitable Remainder 08/27/98 6,800 9.3047 Everen Securities
Unitrust
Howard Amster and 07/23/98 20,800 17.0868 Everen Securities
Tamra F. Gould as 01/20/00 2,500 13.125 First Union Sec
tenants in common 01/25/00 7,500 13.375 First Union Sec
Tamra F. Gould 02/11/98 89 29.2763 Everen Securities
07/24/98 10,000 16.1265 Everen Securities
10/10/00 25,000 4.8518 Bear Stearns
Gould Trading Company 02/11/98 89 29.2763 Everen Securities
06/02/98 10,000 19.0199 Everen Securities
06/03/98 10,000 18.9765 Everen Securities
06/19/98 5,000 18.71875 Everen Securities
07/21/98 9,500 17.50 Everen Securities
08/04/98 2,000 15.00 Everen Securities
Pleasant Lake Apts 07/08/98 5,100 19.5625 Everen Securities
Limited Partnership 04/16/99 5,000 9.50 Everen Securities
08/08/00 10,000 8.6386 Bear Stearns
Ramat Securities Ltd 06/02/98 3,200 18.9375 Bear Stearns
08/17/98 5,000 15.125 Bear Stearns
09/01/98 3,000 9.625 Bear Stearns
09/01/98 5,000 9.7187 Bear Stearns
02/08/00 800 13.4375 Bear Stearns
04/25/00 5,000 12.003 Bear Stearns
10/10/00 10,000 4.864 Bear Stearns
10/10/00 4,000 4.8518 Bear Stearns
10/12/00 16,500 4.9715 Bear Stearns
10/13/00 16,000 4.4352 Bear Stearns
10/24/00 4,500 7.2465 Bear Stearns
</TABLE>
Item 6. Contracts, Arrangements, Understandings or Relationships with
Respect to Securities of the Issuer.
There are no contracts, arrangements, understandings or relationships with
respect to securities of the issuer with any person except as set forth in
items 2, 3, 5 above.
Item 7. Material to be filed as exhibits.
Agreement between Howard Amster and Tamra F. Gould concerning
this Schedule 13D.
Signature After reasonable inquiry and to the best of our knowledge
and belief, we certify that the information set forth in this
statement is true, complete and correct.
Date 11/15/00
Howard Amster
Amster Trading Company
William Costaras, Trustee
Amster Trading Company
Charitable Remainder Unitrusts
William Costaras, Trustee
Howard Amster & Tamra F. Gould
Charitable Remainder Unitrust
William Costaras, Trustee
Howard M Amster Charitable
Remainder Unitrust
Howard Amster & Tamra F. Gould
As Tenants In Common
Tamra F. Gould
Gould Trading Company
Pleasant Lake Apts. Corp
Pleasant Lake Apts.
Limited Partnership
Ramat Securities Ltd
EXHIBIT
AGREEMENT
Howard Amster and Tamra F. Gould hereby agree that the Schedule 13D
to which this Agreement is attached as an exhibit is filed
on behalf of each of them.
Date 11/15/00 Howard Amster
Tamra F. Gould
