CYPRESS SAVINGS ASSOCIATION &lt;CYPSA> 4TH QTR LOSS
  Shr loss 3.26 dlrs vs loss 2.75 dlrs
      Net loss 3,479,744 vs 2,939,619
      Year
      Shr loss 5.58 dlrs vs loss 2.20 dlrs
      Net loss 5,964,454 vs loss 2,341,818
      NOTE: Net includes tax credits of 108,798 dlrs vs 1,445,275
  dlrs in quarter and 838,690 dlrs vs 1,124,805 dlrs in year.
  

