CYPRESS SAVINGS ASSOCIATION <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.