RIVERSIDE GROUP INC <RSGI> 4TH QTR Shr 55 cts vs 93 cts Net 1.6 mln vs 2.6 mln Revs 5.3 mln vs 1.2 mln Year Shr 73 cts vs 1.36 dlrs Net 2.0 mln vs 3.0 mln Revs 9.1 mln vs 11.0 mln NOTE:1985 net includes 2.7 mln dlrs gain on disposal of unit. 1986 includes operations of Dependable Insurance Gruop Inc.