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<SEC-DOCUMENT>0000899078-01-000150.txt : 20010319
<SEC-HEADER>0000899078-01-000150.hdr.sgml : 20010319
ACCESSION NUMBER:		0000899078-01-000150
CONFORMED SUBMISSION TYPE:	10-K405
PUBLIC DOCUMENT COUNT:		5
CONFORMED PERIOD OF REPORT:	20001231
FILED AS OF DATE:		20010316

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			DENBURY RESOURCES INC
		CENTRAL INDEX KEY:			0000945764
		STANDARD INDUSTRIAL CLASSIFICATION:	CRUDE PETROLEUM & NATURAL GAS [1311]
		IRS NUMBER:				752815171
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K405
		SEC ACT:		
		SEC FILE NUMBER:	001-12935
		FILM NUMBER:		1570797

	BUSINESS ADDRESS:	
		STREET 1:		5100 TENNYSON PARKWAY, #3000
		CITY:			PLANO
		STATE:			TX
		ZIP:			75024
		BUSINESS PHONE:		9726732000

	MAIL ADDRESS:	
		STREET 1:		17304 PRESTON RD
		STREET 2:		STE 200
		CITY:			DALLAS
		STATE:			TX
		ZIP:			75252

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	NEWSCOPE RESOURCES LTD
		DATE OF NAME CHANGE:	19950627
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K405
<SEQUENCE>1
<FILENAME>0001.txt
<DESCRIPTION>12/31/00 10-K FOR DENBURY RESOURCES INC.
<TEXT>


                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                 2000 FORM 10-K

(Mark One)

|X|  Annual report  pursuant to Section 13 or 15(d) of the  Securities  Exchange
     Act of 1934

                   For the fiscal year ended December 31, 2000

                                       OR

|_|  Transition  report  pursuant  to  Section  13 or  15(d)  of the  Securities
     Exchange Act of 1934

               For the transition period from _________ to________

                         Commission file number 1-12935
                         ------------------------------

                             DENBURY RESOURCES INC.
             (Exact name of Registrant as specified in its charter)



            Delaware                                             75-2815171
  (State or other jurisdiction                                (I.R.S. Employer
of incorporation or organization)                            Identification No.)


        5100 Tennyson Parkway,
        Suite 3000, Plano, TX                                      75024
(Address of principal executive offices)                         (Zip Code)


Registrant's telephone number, including area code:            (972) 673-2000

Securities registered pursuant to Section 12(b) of the Act:

================================================================================
    Title of Each Class                Name of Each Exchange on Which Registered
- --------------------------------------------------------------------------------
Common Stock $.001 Par Value                    New York Stock Exchange
================================================================================

Securities registered pursuant to
    Section 12(g) of the Act:           9% Senior Subordinated Notes due 2008

       Indicate by check mark whether the  registrant  (1) has filed all reports
required to be filed by Section 13 or 15(d) of the  Securities  Exchange  Act of
1934  during  the  preceding  12 months  (or for such  shorter  period  that the
registrant was required to file such reports),  and (2) has been subject to such
filing requirements for the past 90 days. Yes    X     No
                                                ---         ---

      Indicate by check mark if disclosure of delinquent filers pursuant to Item
405 of Regulation S-K is not contained herein, and will not be contained, to the
best of registrant's  knowledge,  in definitive proxy or information  statements
incorporated by reference in Part III of this Form 10-K or any amendment to this
Form 10-K. [X]

     As of March 1, 2001, the aggregate market value of the registrant's  Common
Stock held by non-affiliates was approximately $168,142,000.

     The number of shares  outstanding  of the  registrant's  Common Stock as of
March 1, 2001, was 46,012,608.

                       DOCUMENTS INCORPORATED BY REFERENCE

Document                                             Incorporated as to
1. Notice and Proxy Statement for         1.  Part III, Items 10, 11, 12, and 13
   the Annual Meeting of Shareholders
   to be held May 23, 2001.

2. Annual Report to Shareholders for      2.  Part I, Item 1 and Part II, Items
   the year ended December 31, 2000.          5, 6, 7, 8

<PAGE>


<TABLE>
<CAPTION>

                                                Denbury Resources Inc.
                                            2000 Annual Report on Form 10-K
                                                   Table of Contents

Item                                                                                               Page
- ----                                                                                               ----
                                                        PART I
<S>                <C>                                                                               <C>
1.                 Business...........................................................................3
2.                 Properties.........................................................................8
3.                 Legal Proceedings..................................................................8
4.                 Submission of Matters to a Vote of Security Holders................................8

                                                       PART II

5.                 Market for Common Stock and Related Matters........................................9
6.                 Selected Financial Data............................................................9
7.                 Management's Discussion and Analysis of Financial Condition and
                         Results of Operations........................................................9
7A.                Quantitative and Qualitative Disclosures About Market Risk.........................9
8.                 Financial Statements and Supplementary Data........................................9
9.                 Changes in and Disagreements with Accountants on Accounting
                         and Financial Disclosure.....................................................9

                                                       PART III

10.                Directors and Executive Officers of the Company....................................9
11.                Executive Compensation............................................................10
12.                Security Ownership of Certain Beneficial Owners and Management....................10
13.                Certain Relationships and Related Transactions....................................10

                                                       PART IV

14.                Exhibits, Financial Statement Schedules and Reports on Form 8-K...................10

</TABLE>

                                                          -2-


<PAGE>



                                     PART I

Item 1. Business
- ----------------

The Company

       Denbury  Resources  Inc.  ("Denbury"  or  the  "Company")  is a  Delaware
corporation,  organized under Delaware  General  Corporation Law, engaged in the
acquisition, development, operation and exploration of oil and gas properties in
the  Gulf  Coast  region  of the  United  States,  primarily  in  Louisiana  and
Mississippi.  Denbury's  corporate  headquarters  is  located  at 5100  Tennyson
Parkway,  Suite 3000, Plano,  Texas 75024, and its phone number is 972-673-2000.
At December 31, 2000, the Company had 242 employees,  146 of which were employed
in field operations or at the field offices.

Incorporation and Organization

       Denbury  was  originally  incorporated  in Canada in 1951.  In 1992,  the
Company acquired all of the shares of a United States operating company, Denbury
Management,  Inc. ("DMI"),  and subsequent to the merger the Company sold all of
its Canadian assets.  Since that time, all of the Company's operations have been
in the United States.

       In  April  1999,  the  stockholders  approved  a move  of  the  Company's
corporate  domicile from Canada to the United States as a Delaware  corporation.
Along with the move, the Company's wholly owned subsidiary, DMI, was merged into
the new Delaware  parent company,  Denbury  Resources Inc. This move of domicile
did not have any effect on the operations and assets of the Company.

       The Company has  three active wholly  owned subsidiaries, Denbury Marine,
L.L.C., Denbury Energy Services, Inc. and Denbury Carbonics L.L.C.

Business Strategy

      As part of our corporate strategy, we believe in the following fundamental
principles:

      o   remain focused in specific regions;
      o   acquire  properties  where we believe  additional value can be created
          through a combination of  exploitation,  development,  exploration and
          marketing;
      o   acquire  properties  that  give us a  majority  working  interest  and
          operational control or where we believe we can ultimately obtain it;
      o   maximize the value of our  properties  by  increasing  production  and
          reserves while reducing cost; and
      o   maintain a highly  competitive  team of experienced  and  incentivized
          personnel.

Acquisitions of Oil and Gas Properties

      Information  as to recent  acquisitions  by the Company is set forth under
"Management's  Discussion  and  Analysis of Financial  Condition  and Results of
Operations - 2000  Acquisitions,"  appearing on page 28 of the Annual Report and
under "West Mississippi and Little Creek Field,"  appearing on pages 16 to 19 of
the Annual Report. Such information is incorporated herein by reference.

                                       -3-


<PAGE>



Oil and Gas Operations

      Information  regarding  selected  operating  data and a discussion  of the
Company's  significant  operating areas and the primary  properties within those
three areas are set forth under "Selected  Operating Data," appearing on pages 6
through 8 of the Annual Report,  and the Operations  Sections appearing on pages
10 through 19 of the Annual Report.  Such information is incorporated  herein by
reference.

Oil and Gas Acreage, Productive Wells, Drilling Activity

      Information  regarding oil and gas acreage,  productive wells and drilling
activity are set forth under "Selected  Operating  Data," appearing on page 8 of
the Annual Report.

Title to Properties

       Customarily  in the  oil  and  gas  industry,  only a  perfunctory  title
examination  is  conducted  at the time  properties  believed to be suitable for
drilling  operations  are first  acquired.  Prior to  commencement  of  drilling
operations,  a thorough drill site title examination is normally conducted,  and
curative  work  is  performed  with  respect  to  significant  defects.   During
acquisitions,  title reviews are performed on all  properties;  however,  formal
title  opinions are obtained on only the higher  value  properties.  The Company
believes that it has good title to its oil and natural gas  properties,  some of
which are subject to minor encumbrances, easements and restrictions.

Production

      Information  regarding average production rates, unit sale prices and unit
costs per BOE are set forth  under  "Management's  Discussion  and  Analysis  of
Financial  Condition and Results of Operations"  appearing on pages 27 and 28 of
the Annual Report.

Significant Oil and Gas Purchasers

       Oil  and gas  sales  are  made on a  day-to-day  basis  under  short-term
contracts at the current area market price.  The loss of any purchaser would not
be expected to have a material  adverse  effect upon the  Company.  For the year
ended  December 31, 2000,  the Company sold 10% or more of its net production of
oil and gas to the following  purchasers:  Hunt Refining 24%, Southland Refining
17%, EOTT Energy 16% and Dynegy 10%.

Geographic Segments

       All of the Company's operations are in the United States.

Product Marketing

       The  Company's  ability  to market oil and gas  depends  on many  factors
beyond its control,  including the extent of domestic  production and imports of
oil and gas, the  proximity of the Company's  gas  production to pipelines,  the
available capacity in such pipelines, the demand for oil and gas, the effects of
weather,  and the effects of state and federal regulation.  Denbury's production
is primarily  from developed  fields close to major  pipelines or refineries and
established  infrastructure.  As a  result,  Denbury  has  not  experienced  any
difficulty  to date in  finding a market  for all of its  product  as it becomes
available or in transporting its product to these markets;  however, the Company
cannot  assure  that it will always be able to market all of its  production  or
obtain favorable prices. The Company does not currently believe that the loss of
any of its  oil or gas  purchasers would have  a material adverse  effect on its
operations.

                                       -4-


<PAGE>

Oil Marketing

       Denbury  markets  its oil to a variety of  purchasers,  most of which are
large,  established  companies.  The oil is  generally  sold under a  short-term
contract  with the sales  price  based on an  applicable  posted  price,  plus a
negotiated premium or the NYMEX price less a discount.  This price is determined
on a  well-by-well  basis and the  purchaser  generally  takes  delivery  at the
wellhead.  Mississippi  oil,  which  accounted  for  approximately  94%  of  the
Company's oil  production  in 2000, is primarily  light to medium sour crude and
sells at a  significant  discount to the NYMEX price.  This  discount  ranged by
field from approximately $0.25 to $9.50 per Bbl in 2000 and the average discount
for the Company's  Mississippi oil production was approximately $4.55 per Bbl in
2000. The balance of the oil production, Louisiana oil, is primarily light sweet
crude, which typically sells at a smaller discount to NYMEX.

Natural Gas Marketing

       Virtually  all of Denbury's  natural gas  production is close to existing
pipelines and  consequently,  the Company  generally has a variety of options to
market its natural gas. The Company sells the majority of its natural gas on one
year  contracts  with  prices  fluctuating  month-to-month  based  on  published
pipeline indices with slight premiums or discounts to the index.

Production Price Hedging

       The Company enters into various financial contracts to hedge its exposure
to commodity price risk associated with  anticipated  future oil and natural gas
production.  Information as to these activities is set forth under "Management's
Discussion  and  Analysis of  Financial  Condition  and Results of  Operations -
Market Risk Management",  appearing on pages 35 through 37 of the Annual Report.
Such information is incorporated herein by reference.

Operating Environment

Price Volatility

       The oil and gas  industry is affected  by many  factors  that the Company
generally  cannot control.  Crude oil prices are generally  determined by global
supply and  demand.  After  sinking to a five-year  low at the end of 1993,  oil
prices  began a  recovery  and  climbed  to prices  above $26  during the fourth
quarter 1996. NYMEX crude oil prices ranged from $18 to $22 during most of 1997,
then  began to decline  throughout  1998 to a  year-end  price of  approximately
$12.00 per Bbl, the lowest  level since 1978.  After a weak first  quarter,  oil
prices  increased in 1999 because of  production  cuts by OPEC and other leading
oil exporters,  reduced  inventories and  anticipated  increased  demand.  NYMEX
prices have generally  continued to climb throughout 1999 and 2000, and averaged
approximately $19.00 per Bbl for 1999 and approximately $30.00 per Bbl in 2000.

       Natural gas prices are  influenced by North  American  supply and demand,
which is often  dependent  upon weather  conditions.  Natural gas competes  with
alternative  energy  sources  as a  fuel  for  heating  and  the  generation  of
electricity.  Natural gas prices  fluctuate  primarily  due to weather,  storage
concerns and U.S.  economic growth.  Natural gas prices were high during most of
1996 and 1997,  reaching  ten year  highs.  Gas  prices  declined,  however,  in
December  1997 and  remained  lower  throughout  1998 and  first  quarter  1999,
primarily  because of a mild winter.  Natural gas prices averaged  approximately
$2.35 per Mcf in 1999,  but increased to an average of  approximately  $3.90 per
Mcf during 2000,  primarily due to low storage levels.  As of December 31, 2000,
the NYMEX natural gas prices were almost $10.00 per Mcf, although prices dropped
in the first part of 2001 to between $5.00 and $6.00 per Mcf.

                                       -5-


<PAGE>

       The  revenues,  cash flow and  results of  operations  of the Company are
highly  dependent upon the prices of oil and natural gas.  During the last three
years,  the Company's net income has fluctuated from a loss of $287.1 million in
1998 to net  income  of  $142.2  million  in  2000,  primarily  as a  result  of
significant changes in oil and natural gas prices. In addition,  fluctuations in
commodity  prices have a direct impact on the volumes  of the  Company's  proved
reserves and their value.

Oil and Natural Gas Operations

       The Company's operations are subject to the usual hazards incident to the
drilling  and  operation  of  oil  and  gas  wells,   and  the   processing  and
transportation  of  natural  gas  and  NGLs,  such  as  cratering,   explosions,
uncontrollable  flows of oil,  gas or well  fluids,  fire,  pollution  and other
environmental  risks. In general,  many of these risks increase when drilling at
greater depths under higher  pressure  conditions.  In addition,  certain of the
Company's  operations  are in water and  subject  to the  additional  hazards of
marine operations,  such as capsizing,  collision and damage or loss from severe
weather.  Other  operations  involve the  production,  handling,  processing and
transportation of hazardous substances.  These hazards can cause personal injury
and loss of life,  severe damage to and  destruction  of property and equipment,
environmental  damage and  suspension of operations.  Litigation  arising from a
catastrophic  occurrence in the future at one of the Company's  locations  could
result  in  the  Company  being  named  as a  defendant  in  lawsuits  asserting
potentially  large claims.  In accordance  with  customary  industry  practices,
insurance  is  maintained  for the  Company  against  some,  but not all, of the
consequences  of these risks.  Losses and  liabilities  arising from such events
could  reduce  revenues  and  increase  costs to the  Company  to the extent not
covered by insurance or otherwise already reserved.

Competition and Markets

       The Company  faces  competition  from other oil and gas  companies in all
aspects of its business,  including  acquisition of producing properties and oil
and gas leases,  marketing of oil and gas,  and  obtaining  goods,  services and
labor.  Many of its competitors  have  substantially  larger financial and other
resources.  Factors  that  affect the  Company's  ability  to acquire  producing
properties  include  available funds,  available  information  about prospective
properties and the Company's standards  established for minimum projected return
on  investment.  Gathering  systems  are  the  only  practical  method  for  the
intermediate  transportation of natural gas. Therefore,  competition for natural
gas  delivery  is  presented  by  other  pipelines  and gas  gathering  systems.
Competition is also presented by alternative fuel sources, including heating oil
and other fossil  fuels.  Because of the  long-lived,  high margin nature of the
Company's  oil and gas reserves and  management's  experience  and  expertise in
exploiting these reserves, management believes that it is effective in competing
in the market.

Federal and State Regulations

       There have been, and continue to be, numerous  federal and state laws and
regulations  governing  the oil and gas  industry  that  are  often  changed  in
response to the current political or economic environment.  Compliance with this
regulatory  burden is often  difficult  and  costly  and may  carry  substantial
penalties for  noncompliance.  The following are some specific  regulations that
may affect the Company. The Company cannot predict the impact of these or future
legislative or regulatory initiatives.

                                      -6-

<PAGE>

Regulation of Natural Gas and Oil Exploration and Production

       The  Company's  operations  are subject to various types of regulation at
the federal,  state and local levels. Such regulation includes requiring permits
for  drilling  wells,  maintaining  bonding  requirements  in  order to drill or
operate wells and regulating  the location of wells,  the method of drilling and
casing wells, the surface use and restoration of properties upon which wells are
drilled, the plugging and abandoning of wells and the disposal of fluids used in
connection with operations. The Company's operations are also subject to various
conservation  laws and regulations.  These include the regulation of the size of
drilling and spacing units or proration units and the density of wells which may
be drilled in and the  unitization  or  pooling  of oil and gas  properties.  In
addition, state conservation laws establish maximum rates of production from oil
and gas  wells,  generally  prohibit  the  venting  or flaring of gas and impose
certain requirements regarding the ratability of production. The effect of these
regulations may limit the amount of oil and gas the Company can produce from its
wells and may limit the number of wells or the  locations  at which the  Company
can drill.  The  regulatory  burden on the oil and gas  industry  increases  the
Company's costs of doing business and, consequently,  affects its profitability.
Inasmuch  as such laws and  regulations  are  frequently  expanded,  amended and
reinterpreted,  the  Company is unable to predict  the future  cost or impact of
complying with such regulations.

Federal Regulation of Sales Prices and Transportation

       Currently,  there are no federal,  state or local laws that  regulate the
price for sales of natural gas,  NGLs,  crude oil or  condensate by the Company.
However,  the rates charged and terms and  conditions for the movement of gas in
interstate  commerce  through certain  intrastate  pipelines and production area
hubs are  subject  to  regulation  under  the  Natural  Gas  Policy  Act of 1978
("NGPA").  Pipeline and hub  construction  activities  are, to a limited extent,
also subject to  regulations  under the Natural Gas Act of 1938  ("NGA").  While
these controls do not apply directly to the Company, their effect on natural gas
markets can be significant in terms of  competition  and cost of  transportation
services. Additional proposals and proceedings that might affect the natural gas
industry are considered from time to time by Congress,  FERC,  state  regulatory
bodies and the courts.  The Company cannot predict when or if any such proposals
might become  effective and their effect,  if any, on the Company's  operations.
Historically,  the natural gas industry has been heavily  regulated;  therefore,
there is no  assurance  that the less  stringent  regulatory  approach  recently
pursued by FERC,  Congress and the states will  continue  indefinitely  into the
future.

Gathering Regulations

       State  regulation  of gathering  facilities  generally  includes  various
safety,  environmental  and,  in  some  circumstances,   nondiscriminatory  take
requirements.  Such regulation has not generally been applied against  gatherers
of natural gas,  although  natural gas gathering may receive greater  regulatory
scrutiny in the future.

Federal, State or Indian Leases

       The Company's  operations on federal,  state or Indian oil and gas leases
are subject to numerous restrictions, including nondiscrimination statutes. Such
operations must be conducted  pursuant to certain on-site  security  regulations
and other permits and  authorizations  issued by the Bureau of Land  Management,
Minerals Management Service and other agencies.

Environmental Regulations

       Public  interest  in the  protection  of the  environment  has  increased
dramatically  in  recent  years.  The  trend  of  more  expansive  and  stricter
environmental legislation and regulations could continue. To the extent laws are
enacted or other governmental action is taken that restricts drilling or imposes
environmental protection

                                       -7-


<PAGE>

requirements  that  result in  increased  costs to the oil and gas  industry  in
general, the business and prospects of the Company could be adversely affected.

       Various  federal,  state and  local  laws  regulating  the  discharge  of
materials into the environment,  or otherwise  relating to the protection of the
environment, directly impact oil and gas exploration, development and production
operations,  and  consequently  may impact the Company's  operations  and costs.
These regulations include,  among others, (i) regulations by the EPA and various
state agencies  regarding approved methods of disposal for certain hazardous and
nonhazardous   wastes;   (ii)   the   Comprehensive    Environmental   Response,
Compensation,  and Liability Act, Federal Resource Conservation and Recovery Act
and analogous state laws which regulate the removal or remediation of previously
disposed  wastes  (including  wastes  disposed of or released by prior owners or
operators),  property contamination (including groundwater  contamination),  and
remedial plugging  operations to prevent future  contamination;  (iii) the Clean
Air Act and  comparable  state and local  requirements  which may  result in the
gradual imposition of certain pollution control requirements with respect to air
emissions from the operations of the Company; (iv) the Oil Pollution Act of 1990
which contains numerous  requirements relating to the prevention of and response
to oil spills into waters of the United  States;  (v) the Resource  Conservation
and Recovery Act which is the principal federal statute governing the treatment,
storage  and  disposal  of  hazardous  wastes;  and (vi) state  regulations  and
statutes  governing the handling,  treatment,  storage and disposal of naturally
occurring radioactive material ("NORM").

       Management  believes that the Company is in substantial  compliance  with
applicable  environmental  laws and  regulations.  To date,  the Company has not
expended any material  amounts to comply with such  regulations,  and management
does not  currently  anticipate  that future  compliance  will have a materially
adverse effect on the consolidated  financial  position or results of operations
of the Company.

Estimated  Net  Quantities  of Proved Oil and Gas Reserves and Present  Value of
Estimated Future Net Revenues

       Estimates of net proved oil and gas reserves as of December 31, 2000 have
been prepared by DeGolyer and MacNaughton,  and the estimates as of December 31,
1999 and 1998 were prepared by Netherland,  Sewell and  Associates,  Inc.,  both
independent   petroleum   engineers  located  in  Dallas,   Texas.  See  Note  9
"Supplemental Reserve Information" of the Consolidated  Financial Statements and
pages  6 and 7 of the  Annual  Report  for  disclosure  of  reserve  data.  Such
information is incorporated herein by reference.

Item 2.  Properties
- -------------------

       See Item 1.  Business - "Oil and Gas  Operations."  The Company  also has
various  operating  leases for rental of office  space,  office  equipment,  and
vehicles.  See  Note 7  "Commitments  and  Contingencies"  of  the  Consolidated
Financial Statements for the future minimum rental payments. Such information is
incorporated herein by reference.

Item 3.  Legal Proceedings
- --------------------------

       In the  opinion  of  management,  there  are no  material  pending  legal
proceedings  to which the  Company or any of its  subsidiaries  is a party or of
which any of their  property is the subject.  However,  due to the nature of its
business, certain legal or administrative proceedings arise from time to time in
the ordinary course of its business. See Note 7, "Commitments and Contingencies"
of the Consolidated  Financial Statements for further disclosure regarding legal
proceedings and contingencies. Such information is included herein by reference.

Item 4.  Submission of Matters to a Vote of Security Holders
- ------------------------------------------------------------

       No matters  were  submitted  for a vote of  security  holders  during the
fourth quarter of 2000.

                                       -8-


<PAGE>



                                     PART II

Item 5.  Market for the Common Stock and Related Matters
- --------------------------------------------------------

       Information  as to the  markets in which the  Company's  common  stock is
traded,  the  quarterly  high and low prices for such stock  during the last two
years,  the  restriction  on the payment of dividends with respect to the common
stock, and the approximate number of stockholders of record at February 1, 2001,
is set forth under "Common Stock  Trading  Summary"  appearing on page 61 of the
Annual Report. Such information is incorporated herein by reference.

Item 6.  Selected Financial Data
- --------------------------------

       Selected  Financial  Data for the Company for each of the last five years
are set forth under  "Financial  Highlights"  appearing  on page 2 of the Annual
Report. All such information is incorporated herein by reference.

Item 7. Management's  Discussion and Analysis of Financial Condition and Results
- --------------------------------------------------------------------------------
of Operations
- -------------

       Information as to the Company's financial condition, changes in financial
condition  and  results  of  operations  and  other  matters  is  set  forth  in
"Management's  Discussion  and  Analysis of Financial  Condition  and Results of
Operations,"  appearing  on pages 23  through  38 of the  Annual  Report  and is
incorporated herein by reference.

Item 7A. Quantitative and Qualitative Disclosures About Market Risk
- -------------------------------------------------------------------

       The  information  required  by Item 7A is set forth  under  "Market  Risk
Management" in "Management's  Discussion and Analysis of Financial Condition and
Results of  Operations,"  appearing on pages 35 through 37 of the Annual  Report
and is incorporated herein by reference.

Item 8. Financial Statements and Supplementary Data
- ---------------------------------------------------

       The  Company's  consolidated  financial  statements,   accounting  policy
disclosures,  notes  to  financial  statements,  business  segment  information,
unaudited quarterly  information and independent  auditors' report are presented
on  pages  39  through  60  of  the  Annual  Report.  All  such  information  is
incorporated herein by reference.

Item  9.  Changes  in and  Disagreements  with  Accountants  on  Accounting  and
- --------------------------------------------------------------------------------
Financial Disclosure
- --------------------

       None.

                                    PART III

Item 10. Directors and Executive Officers of the Company
- --------------------------------------------------------

Directors of the Company

       Information  as to the names,  ages,  positions and offices with Denbury,
terms of office,  periods of service,  business  experience during the past five
years and certain other  directorships held by each director or person nominated
to become a director of Denbury will be set forth in the "Election of Directors"
segment of the Proxy

                                      -9-


<PAGE>



Statement ("Proxy  Statement") for the Annual Meeting of Shareholders to be held
May 23, 2001, ("Annual Meeting") and is incorporated herein by reference.

Executive Officers of the Company

       Information  concerning  the  executive  officers of Denbury  will be set
forth in the "Management"  section of the Proxy Statement for the Annual Meeting
and is incorporated herein by reference.

Section 16(a) Beneficial Ownership Reporting Compliance

       Section  16(a)  of the  Securities  Exchange  Act of 1934  and the  rules
thereunder require the Company's  executive officers and directors,  and persons
who  beneficially  own more than ten percent (10%) of a registered  class of the
Company's  equity  securities,  to file  reports  of  ownership  and  changes in
ownership  with the  Securities  and Exchange  Commission  and  exchanges and to
furnish the Company  with  copies.  Based  solely on its review of the copies of
such forms  received by it, or written  representations  from such persons,  the
Company is not aware of any person who failed to file any  reports  required  by
Section 16(a) to be filed for fiscal 2000.

Item 11. Executive Compensation
- -------------------------------

       Information  concerning  remuneration  received  by  Denbury's  executive
officers  and  directors  will be  presented  under the  caption  "Statement  of
Executive  Compensation"  in the Proxy  Statement for the Annual  Meeting and is
incorporated herein by reference.

Item 12. Security Ownership of Certain Beneficial Owners and Management
- -----------------------------------------------------------------------

       Information  as to the number of shares of  Denbury's  equity  securities
beneficially  owned as of March 15, 2001,  by each of its directors and nominees
for  director,  its five most  highly  compensated  executive  officers  and its
directors and executive  officers as a group will be presented under the caption
"Security  Ownership of Certain  Beneficial  Owners and Management" in the Proxy
Statement for the Annual Meeting and is incorporated herein by reference.

Item 13. Certain Relationships and Related Transactions
- -------------------------------------------------------

       Information on related  transactions  will be presented under the caption
"Compensation  Committee Interlocks and Insider Participation" and "Interests of
Insiders in Material Transactions" in the Proxy Statement for the Annual Meeting
and is incorporated herein by reference.

                                     PART IV

Item 14. Exhibits, Financial Statement Schedules and Reports on Form 8-K
- ------------------------------------------------------------------------

(a)  Financial  Statements  and  Schedules.  Financial  statements and schedules
     filed as a part of this report are  presented on pages 39 through 60 of the
     Annual Report and are incorporated herein by reference.


                                      -10-


<PAGE>

Exhibits.  The following exhibits are filed as a part of this report.


Exhibit
  No.     Exhibit
- -------   -------

3(a)      Certificate of Incorporation of Denbury Resources Inc.  filed with the
          Delaware Secretary of  State on April 20, 1999 (incorporated by refer-
          ence as Exhibit 3(a)  of the Registrant's  Form  10-Q for  the quarter
          ended March 31, 1999).

3(b)      Bylaws of Denbury   Resources Inc., a    Delaware corporation, adopted
          April 20, 1999  (incorporated by  reference  as  Exhibit 3(b)  of  the
          Registrant's Form 10-Q for the quarter ended March 31, 1999).

4(a)      Form of Indenture between Denbury Management and Chase  Bank of Texas,
          National Association, as trustee (incorporated by reference as Exhibit
          4(b) of Registrant's Registration Statement on Form S-3 dated February
          19, 1998).

4(b)      First  Supplemental  Indenture  dated  as of  April 21, 1999,  between
          Denbury Resources Inc.,  a Delaware  corporation,  and Chase  Bank  of
          Texas,  National  Association,   as  Trustee,  relating   to   Denbury
          Management, Inc.'s 9% Senior Subordinated Notes due 2008 (incorporated
          by reference to  Exhibit 4(a) of  the  Registrant's Form 10-Q  for the
          quarter ended March 31, 1999).

10(a)     Second Amended and Restated Credit Agreement, dated  October 13, 2000,
          between the Company  and Bank  of  America,  N.A.,  as  Administrative
          Agent, and the  financial  institutions listed on schedule 2.1 therein
          (incorporated by reference to Exhibit 10 of the Registrant's Form 10-Q
          for the quarter ended September 30, 2000).

10(b)**   Denbury Resources Inc. Stock Option Plan (incorporated by reference as
          Exhibit 4(f) of the Registrant's  Registration  Statement on Form S-8,
          No. 333-1006, dated February 2, 1996, and  as  amended  by the  Regis-
          trant's Registration Statements  on Form  S-8,  Nos.  333-27995,  333-
          55999 and 333-70485,  dated May 29, 1997,  June 4, 1998  and  July 12,
          1999, respectively).

10(c)**   Denbury Resources Inc.  Stock Purchase Plan (incorporated by reference
          as Exhibit 4(g)  of the Registrant's  Registration Statement  on  Form
          S-8, No. 333-1006, dated February 2, 1996, and as amended by the Regi-
          strant's Registration  Statements  on Form S-8,  No. 333-70485,  dated
          January 12, 1999 and No. 333-39172, dated June 13, 2000).

10(d)     Form of indemnification  agreement  between Denbury Resources Inc. and
          its officers and directors (incorporated by reference as Exhibit 10 of
          the Registrant's Form 10-Q for the quarter ended June 30, 1999).

10(e)**   Denbury Resources Inc. Directors  Compensation  Plan  (incorporated by
          reference as Exhibit 4 of the Registrant's  Registration  Statement on
          Form S-8,  No. 333-39172,  dated June 13, 2000  and  amended  March 2,
          2001).

10(f)* ** Denbury Resources Severance Protection Plan, dated December 6, 2000.


                                      -11-


<PAGE>

Exhibit
  No.     Exhibit
- -------   -------

10(g)     Stock Purchase  Agreement  between TPG  Partners II,  L.L.C.  and  the
          Company dated as  of December 16, 1998  (incorporated by reference  as
          Exhibit 99.1 of the Registrant's Form 8-K dated December 17, 1998).

13*       Annual Report to Shareholders.

21*       List of Subsidiaries of Denbury Resources Inc.

23*       Consent of Deloitte & Touche LLP.



*  Filed herewith.
** Compensation arrangements.

(b) Reports on Form 8-K.

         (i)      On October 10,  2000,  the Company  filed a Current  Report on
                  Form 8-K that reported under Item 5, "Other  Events," that Ms.
                  Carrie  Wheeler  had been  elected to the  Company's  Board of
                  Directors to fill the vacancy  created by the  resignation  of
                  Mr. David Stanton.

         (ii)     On October 27,  2000,  the Company  filed a Current  Report on
                  Form  8-K  that  reported  under  Item  2,   "Acquisition   or
                  Disposition  of Assets," that the Company had purchased or had
                  signed  purchase and sale agreements for the purchase of $66.5
                  million of oil and natural gas properties located in southwest
                  Louisiana.

         (iii)    On January 26,  2001,  the Company  filed a Current  Report on
                  Form  8-K  that  reported  under  Item  2,   "Acquisition   or
                  Disposition  of Assets," that on January 18, 2001, the Company
                  had signed a purchase  and sale  agreement  to acquire  carbon
                  dioxide  ("CO2")  reserves,  production and associated  assets
                  from a unit of Airgas Inc. for $42 million,  effective January
                  1, 2001.

                                      -12-


<PAGE>

                                   SIGNATURES

         Pursuant to the  requirements  of Section 13 or 15(d) of the Securities
Exchange Act of 1934,  Denbury  Resources Inc. has duly caused this report to be
signed on its behalf by the undersigned, thereunto duly authorized.

                                                   DENBURY RESOURCES INC.


March 16, 2001                                       /s/ Phil Rykhoek
                                          --------------------------------------
                                                        Phil Rykhoek
                                           Chief Financial Officer and Secretary

March 16, 2001                                     /s/ Mark C. Allen
                                         ---------------------------------------
                                                     Mark C. Allen
                                         Chief Accounting Officer and Controller

     Pursuant to the  requirements of the Securities  Exchange Act of 1934, this
report  has been  signed  below by the  following  persons  on behalf of Denbury
Resources Inc. and in the capacities and on the dates indicated.



March 16, 2001                                     /s/ Ronald G. Greene
                                         ---------------------------------------
                                                      Ronald G. Greene
                                            Chairman of the Board and Director



March 16, 2001                                      /s/ Gareth Roberts
                                         ---------------------------------------
                                                       Gareth Roberts
                                         Director, President and Chief Executive
                                                           Officer
                                                (Principal Executive Officer)


March 16, 2001                                        /s/ Phil Rykhoek
                                         ---------------------------------------
                                                        Phil Rykhoek
                                          Chief Financial Officer and Secretary
                                               (Principal Financial Officer)


March 16, 2001                                      /s/ Mark C. Allen
                                         ---------------------------------------
                                                       Mark C. Allen
                                         Chief Accounting Officer and Controller
                                               (Principal Accounting Officer)


March 16, 2001                                     /s/ David I. Heather
                                         ---------------------------------------
                                                      David I. Heather
                                                          Director


March 16, 2001                                  /s/ Wieland F. Wettstein
                                         ---------------------------------------
                                                   Wieland F. Wettstein
                                                         Director

                                      -13-

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10
<SEQUENCE>2
<FILENAME>0002.txt
<DESCRIPTION>EXHIBIT 10 (F) - SEVERANCE PROTECTION PLAN
<TEXT>




                                 EXHIBIT 10 (f)

                                DENBURY RESOURCES
                            SEVERANCE PROTECTION PLAN

                                   ARTICLE I
                              ESTABLISHMENT OF PLAN

     As of the Effective Date,  Denbury  Resources,  Inc. (the "Company") hereby
establishes  a  severance  compensation  plan  known  as the  Denbury  Resources
Severance  Protection  Plan (the  "Plan"),  as set forth in this  document.  For
purposes of the Employee  Retirement  Income  Security  Act of 1974,  as amended
("ERISA"),  the Company  intends the Plan to be a  "Severance  Plan"  within the
meaning of the applicable ERISA regulations.

                                   ARTICLE II
                                   DEFINITIONS

     As used herein,  the  following  words and phrases shall have the following
respective meanings unless the context clearly indicates otherwise.

     Section 2.1  Administrator.  The Board or any  committee  thereof as may be
appointed from time to time by the Board to supervise the  administration of the
Plan.

     Section 2.2 Affiliate.  With respect to a specified  person,  a person that
directly  or  indirectly  through  one  or  more  intermediaries,  controls,  is
controlled by, or is under common control with the specified person.

     Section 2.3 Base Salary. The amount a Participant is entitled to receive as
wages or salary on an annualized basis,  calculated on the basis of their salary
rate on  either  the date  immediately  prior to a Change  in  Control  or their
Termination Date, whichever amount is higher.

     Section 2.4 Board. The Board of Directors of the Company.

     Section 2.5 Bonus  Amount.  An amount equal to fifty  percent  (50%) of the
total amount of bonuses awarded to the Participant during the twenty-four months
prior to the date of the Change in Control.

     Section  2.6  Cause.   An  Employer  shall  have  "Cause"  to  terminate  a
Participant  if  the  Participant   (i)  willfully  and  continually   fails  to
substantially  perform  his  duties  with the  Employer  (other  than a  failure
resulting from the  Participant's  incapacity due to physical or mental illness)
which  failure  continues  for a period of at least  thirty  (30)  days  after a
written notice of demand for  substantial  performance has been delivered to the
Participant  specifying  the  manner  in which  the  Participant  has  failed to
substantially   perform,   or  (ii)  willfully   engages  in  conduct  which  is
demonstrably and materially injurious to the Employer,  monetarily or otherwise;
provided,  however, that no termination of the Participant's employment shall be
for Cause until there shall have been  delivered to the  Participant a copy of a
written notice specifying in detail the particulars of the Participant's conduct
which  violates  either (i) or (ii)  above.  No act,  nor failure to act, on the
Participant's part, shall be considered  "willful" unless he has acted or failed
to act with an absence of good faith and  without a  reasonable  belief that his
action  or  failure  to  act  was  in  the  best   interest  of  the   Employer.
Notwithstanding  anything contained in this Plan to the contrary,  no failure to
perform by the  Participant  after Notice of  Termination  is given by or to the
Participant shall constitute Cause.

                                    EX 10 - 1

<PAGE>



     Section 2.7 Change in Control.  A "Change in Control" shall mean any one of
the following:

          (a)  "Continuing  Directors"  no longer  constitute  a majority of the
     Board; the term  "Continuing  Director" means any individual who has served
     in such capacity for one year or more;

           (b) after the date of adoption of the severance  plan,  any person or
     group of persons acting together as an entity (other than the Texas Pacific
     Group and its Affiliates)  become (i) the beneficial  owners (as defined in
     Rule 13d-3 under the Securities  Exchange Act of 1934, as amended) directly
     or indirectly,  of shares of common stock representing thirty percent (30%)
     or more of the voting power of the Company's  then  outstanding  securities
     entitled generally to vote for the election of the Company's directors, and
     (ii) the largest  beneficial  owner directly or indirectly of the Company's
     then outstanding  securities entitled generally to vote for the election of
     the Company's directors;

           (c) the merger or  consolidation  to which the  Company is a party if
     (i) the stockholders of the Company immediately prior to the effective date
     of such merger or  consolidation  have beneficial  ownership (as defined in
     Rule 13d-3 under the Exchange  Act) of less than forty percent (40%) of the
     combined  voting  power  to  vote  for the  election  of  directors  of the
     surviving  corporation or other entity following the effective date of such
     merger  or  consolidation;  or  (ii)  fifty  percent  (50%)  or more of the
     individuals   constituting   the  members  the  Investment   Committee  are
     terminated due to the Change in Control; or

          (d) the sale of all or substantially all, of the assets of the Company
     or the liquidation or dissolution of the Company.

     Notwithstanding  the  foregoing  provisions  of  this  Section  2.6,  if  a
Participant's  employment  with the Employer is terminated by the Employer other
than for  "Cause"  six  months  prior to the date on which a Change  in  Control
occurs, such termination shall be deemed to have occurred immediately  following
a Change in Control.

     Notwithstanding  anything  herein to the contrary,  under no  circumstances
will a change in the constitution of the board of directors of any Subsidiary, a
change  in  the  beneficial   ownership  of  any   Subsidiary,   the  merger  or
consolidation  of a  Subsidiary  with  any  other  entity,  the  sale  of all or
substantially  all of  the  assets  of any  Subsidiary  or  the  liquidation  or
dissolution of any Subsidiary constitute a "Change in Control" under this Plan.

     Section 2.8 Common Shares means shares of common stock,  $.001 par value of
Denbury Resources Inc.

     Section 2.9 Company. Denbury Resources Inc., a Delaware corporation.

     Section 2.10 Effective  Date. The date the Plan is approved by the Board of
Directors of the Company, or such other date as the Board shall designate in its
resolution approving the Plan.

     Section 2.11 Employer.  The Company and any Subsidiary of the Company which
adopts this Plan as a Participating  Employer. With respect to a Participant who
is not an  employee  of the  Company,  any  reference  under  this  Plan to such
Participant's  "Employer"  shall refer only to the employer of the  Participant,
and in no event shall be construed to refer to the Company as well.

     Section 2.12 Good Reason. "Good Reason" shall mean the occurrence of any of
the following events or conditions:

          (a)  a  change  in  the  Participant's   status,  title,  position  or
     responsibilities (including reporting

                                    EX 10 - 2

<PAGE>



     responsibilities)   which,  in  the  Participant's   reasonable   judgment,
     represents  a  substantial  reduction  of the  status,  title,  position or
     responsibilities as in effect immediately prior thereto;  the assignment to
     the   Participant  of  any  duties  or   responsibilities   which,  in  the
     Participant's  reasonable  judgment,  are  inconsistent  with such  status,
     title,  position or  responsibilities;  or any  removal of the  Participant
     from, or failure to reappoint or reelect him to, any such position with the
     Employer,  including,  but not limited to  corporate  officer  positions or
     positions as a member of the  Investment  Committee,  except in  connection
     with the  termination  of his  employment  for Cause or by the  Participant
     other than for Good Reason;

          (b) a reduction in the Participant's  Base Salary, as such base salary
     may be  increased  from  time to time  thereafter,  or the  failure  by the
     Employer to provide the Participant with compensation and benefits at least
     equal (in terms of benefit  levels  and/or reward  opportunities)  to those
     provided for under each employee  benefit plan,  program and practice as in
     effect  immediately  prior  to the  Change  in  Control  (or  as in  effect
     following the Change in Control,  if greater),  including,  but not limited
     to,  any stock  option  plan,  stock  purchase  plan,  pension  plan,  life
     insurance plan, health and accident plan or disability plan;

           (c) the Employer's  requiring the Participant (without the consent of
     the  Participant) to be based at any place outside a twenty-five  (25) mile
     radius of his place of employment immediately prior to a Change in Control,
     except for reasonably  required travel on the Employer's  business which is
     not materially greater than such travel requirements prior to the Change in
     Control, or, in the event the Participant consents to any relocation beyond
     such 25 mile radius,  the failure by the Employer to pay (or  reimburse the
     Participant) for all reasonable moving expenses incurred by him relating to
     a change of his principal  residence in connection with such relocation and
     to indemnify the  Participant  against any loss (defined as the  difference
     between the actual sale price of such  residence  and the higher of (i) his
     aggregate  investment  in such  residence  or (ii) the fair market value of
     such residence as determined by a real estate  appraiser  designated by the
     Participant and reasonably  satisfactory  to the Employer)  realized on the
     sale of the Participant's  principal  residence in connection with any such
     change of residence;

          (d) any material breach by the Employer of any provision of this Plan;

          (e) any purported  termination  of the  Participant's  employment  for
     Cause by the  Employer  which does not  otherwise  comply with the terms of
     this Plan; or

           (f) in the case of a Change in Control  pursuant  to Section  2.6(d),
     the failure of the Company to obtain the assumption of, or the agreement to
     perform,  this  Agreement by the  purchaser or  purchasers of the Company's
     assets as contemplated in Article VII.

     Section 2.13  Investment  Committee.  Each employee of the Employer who has
been designated by his Employer as a member of the Investment Committee,  as the
membership of such  Committee  may be changed from time to time.  Members of the
Investment  Committee  as of the date of the  Plan's  execution  are  listed  on
Schedule B attached hereto.

     Section 2.14 Management  Group Employee.  Each employee of the Employer who
has been designated by his Employer as a "Management Group Employee",  as may be
designated from time to time by the Board.  Management Group Employees as of the
date of the Plan's execution are listed on Schedule C attached hereto.

     Section 2.15 Notice of  Termination.  A notice which indicates the specific
provisions  in this  Plan  relied  upon as the  basis  for  any  termination  of
employment  which sets forth in  reasonable  detail the facts and  circumstances
claimed to provide a basis for termination of the Participant's employment under
the provision so

                                   EX 10 - 3

<PAGE>



indicated;  no purported  termination of employment  shall be effective  without
such Notice of Termination.

     Section 2.16  Officer.  Each  employee of the Employer  that is a corporate
officer and is so designated from time to time pursuant to the Company's Bylaws.
Officers  as of the date of the  Plan's  execution  are  listed  on  Schedule  A
attached hereto.

     Section  2.17   Participant.   A  Participant  who  meets  the  eligibility
requirements of Article III.

     Section 2.18  Participating  Employer.  A Subsidiary  of the Company  which
adopts this Plan in accordance with Section 8.4 below,  and listed on Schedule D
attached  hereto,  and as may be amended  from time to time  pursuant to Article
VIII of the Plan.

     Section 2.19 Payment Date.  For a  Participant,  the  fifteenth  (15th) day
after the event triggering the right of that Participant to a Severance Benefit.

     Section 2.20 Severance  Benefit.  The benefits  payable in accordance  with
Article IV of the Plan.

     Section 2.21 Severance  Units. A Participant who is neither a member of the
Investment Committee,  nor a Management Group Employee nor Officer shall receive
one (1) Severance Unit, to be used in calculating his Severance Benefit, for (i)
each ten thousand  dollars  ($10,000) of his Base Salary plus Bonus Amount,  and
(ii) each twelve months of employment by the Company or an Employer;  the sum of
any partial  Severance  Units under (i) and (ii) shall be rounded to the nearest
higher whole number of Severance Units. However, the maximum number of Severance
Units  that  may  be  granted  to a  Participant  is  eighteen  (18),  and  each
Participant shall be granted at least four (4) Severance Units.

     Section 2.22 Subsidiary.  Any subsidiary of the Company,  and any wholly or
partially  owned   partnership,   joint  venture,   limited  liability  company,
corporation and other form of investment by the Company.

     Section 2.23 Termination Date. In the case of the Participant's  death, the
Participant's  Termination  Date shall be his date of death. In all other cases,
the Participant's  Termination Date shall be the date specified in the Notice of
Termination subject to the following:

           (a) If the Participant's employment is terminated by the Employer for
     Cause,  the date specified in the Notice of  Termination  shall be at least
     thirty  (30) days from the date the Notice of  Termination  is given to the
     Participant; and

           (b) If the Participant terminates his employment for Good Reason, the
     date  specified in the Notice of  Termination  shall not be more than sixty
     (60) days from the date the Notice of Termination is given to the Employer.

                                   ARTICLE III
                          ELIGIBILITY AND PARTICIPATION

     Section 3.1 Participation. Once a person is employed by their Employer they
shall automatically become a Participant in the Plan.

     Section 3.2 Duration of  Participation.  A Participant  shall cease to be a
Participant in the Plan upon the first to occur of: (i) the date he ceases to be
an employee of the Employer at any time six months prior to a Change in Control,
(ii) the date his  employment is terminated  following a Change in Control under
circumstances

                                    EX 10 - 4

<PAGE>



where he is not entitled to a Severance Benefit under the terms of this Plan, or
(iii)  the date on  which he has  received  all of the  benefits  to which he is
entitled under this Plan.

                                   ARTICLE IV
                               SEVERANCE BENEFITS

     Section 4.1           Right to Severance Benefit.

           (a) After a Change in Control has occurred,  a  Participant  shall be
     entitled to receive  from the  Employer a  Severance  Benefit in the amount
     provided in Sections 4.2 and 4.3 if his employment is terminated during the
     period  beginning  six months  prior to a Change of Control  and ending two
     years after a Change of Control,  for any reason other than (i) termination
     by the Employer for Cause or (ii)  termination by the Participant for other
     than Good Reason.

           (b) A  Participant  shall be entitled to a Severance  Benefit if that
     individual  satisfies all the conditions under the Plan required to qualify
     as a Participant  and he or she is not otherwise  disqualified  or excluded
     from eligibility under the terms of the Plan.

           (c)  Notwithstanding  any  other  provision  of the  Plan,  the sale,
     divestiture or other disposition of a Subsidiary, shall not be deemed to be
     a termination of employment of employees  employed by such Subsidiary,  and
     such  employees  shall not be entitled to benefits  from the Company or any
     Participating   Employer  under  this  Plan  as  a  result  of  such  sale,
     divestiture,  or  other  disposition,  or as a  result  of  any  subsequent
     termination of employment.

     Section 4.2 Amount of Severance Benefit.  If a Participant is entitled to a
Severance  Benefit under Section 4.1, the employer shall pay to the Participant,
on or before the Payment  Date,  an amount in cash equal to one of the following
amounts:

               (1)  for the Company's Chief Executive  Officer and for all other
                    members of the Investment Committee, three (3) times the sum
                    of the Participant's Base Salary and the Bonus Amount;

               (2)  for  all  other   Officers  that  are  not  members  of  the
                    Investment Committee, two and one-half (2-1/2) times the sum
                    of the Participant's Base Salary and the Bonus Amount;

               (3)  for all members of the Management  Group,  two (2) times the
                    sum of the Participant's Base Salary and the Bonus Amount;

               (4)  for all other  employees,  one-twelfth  (1/12) of the sum of
                    the Participant's Base Salary and Bonus Amount multiplied by
                    the Participant's Severance Units.

     Section 4.3 Further  Benefits.  If a Participant is entitled to a Severance
Benefit under Section 4.1, such Participant shall also be entitled to:

           (a) Continuation at Employer's  expense, on behalf of the Participant
     and his dependents and  beneficiaries,  all medical,  dental,  vision,  and
     health  benefits and insurance  coverage  which were being  provided to the
     Participant  at the time of  termination of employment for a period of time
     subsequent to the Participant's  termination of employment.  This period of
     time shall be equal to fifty percent (50%) of the

                                    EX 10 - 5

<PAGE>



     number of months of compensation represented by the Participants' Severance
     Benefit,  with the  number of months of  compensation  to be based upon the
     Participant's  monthly  Base Salary  immediately  prior to the  Termination
     Date.  The  benefits  provided  in this  Section  4.3(a)  shall  be no less
     favorable to the Participant, in terms of amounts and deductibles and costs
     to him,  than  the  coverage  provided  the  Participant  under  the  plans
     providing  such  benefits  at the  time  of  termination  of  Participant's
     employment.  An Employer may pay the employee's  cost of benefits  provided
     pursuant to  Consolidated  Omnibus  Budget  Reconciliation  Act of 1986 and
     allowed under the  Employer's  benefit plans for the  applicable  period of
     time in order to satisfy its obligation under this provision.

           (b) The  Employer's  obligation  hereunder to provide a benefit shall
     terminate if the Participant obtains comparable coverage under a subsequent
     employer's benefit plan. For purposes of the preceding  sentence,  benefits
     will not be comparable  during any waiting period for  eligibility for such
     benefits or during any period during which there is a preexisting condition
     limitation on such  benefits.  The Employer also shall pay a lump sum equal
     to the amount of any additional  income tax payable by the  Participant and
     attributable  to the  benefits  provided  under  subparagraph  (a) of  this
     Section at the time such tax is imposed upon the Participant. At the end of
     the period of coverage  set forth  above,  the  Participant  shall have the
     option to have  assigned to him at no cost to the  Participant  and with no
     apportionment of prepaid  premiums,  any assignable  insurance owned by the
     Employer and relating specifically to the Participant,  and the Participant
     shall be entitled to all health and similar benefits that are or would have
     been made available to the Participant under law.

     Section  4.4  Mitigation  or  Set-off  of Amounts  Payable  Hereunder.  The
Participant shall not be required to mitigate the amount of any payment provided
for in this Article IV by seeking other  employment or otherwise,  nor shall the
amount  of any  payment  provided  for in  this  Article  IV be  reduced  by any
compensation  earned  by the  Participant  as the  result of  employment  by the
Company or any successor after the Payment Date or by another employer after the
Termination Date, or otherwise.  The Employer's obligations hereunder also shall
not be  affected  by any  set-off,  counterclaim,  recoupment,  defense or other
claim, right or action which the Employer may have against the Participant.

     Section  4.5  Company  Guarantee  of  Severance  Benefit.  In the  event  a
Participant  becomes  entitled to receive from the Employer a Severance  Benefit
under  this  Article  IV above  and such  Employer  fails to pay such  Severance
Benefit,  the Company  shall assume the  obligation of such Employer to pay such
Severance  Benefit.  In  consideration  of  the  Company's   assumption  of  the
obligation to pay such Severance  Benefit  provided under this Plan, the Company
(as the source of payment of benefits under the Plan) shall be subrogated to any
recovery  (irrespective of whether there is recovery from the third party of the
full  amount of all claims  against  the third  party) or right to  recovery  of
either a  Participant  or his legal  representative  against the Employer or any
person or entity. The Participant or his legal representative shall cooperate in
doing what is  reasonably  necessary  to assist the Company in  exercising  such
rights, including but not limited to notifying the Company of the institution of
any claim  against a third  party and  notifying  the third  party and the third
party's  insurer,  if any,  of the  Company's  subrogation  rights.  Neither the
Participant  nor his  legal  representative  shall do  anything  after a loss to
prejudice such rights. In its sole discretion, the Company reserves the right to
prosecute an action in the name of the  Participant or his legal  representative
against any third parties  potentially  liable to the  Participant.  The Company
shall have the absolute  discretion to settle subrogation claims on any basis it
deems warranted and appropriate under the circumstances. If a Participant or his
legal  representative  initiates a lawsuit against any third parties potentially
liable  to the  Participant,  the  Company  shall  not be  responsible  for  any
attorney's fees or court costs that may be incurred in such liability claim. The
Company shall be entitled, to the extent of any payments made to or on behalf of
a  Participant  or a  dependent  of the  Participant,  to be paid first from the
proceeds of any  settlement or judgment that may result from the exercise of any
rights  of  recovery  asserted  by or on behalf  of a  Participant  or his legal
representative  against any person or entity legally  responsible for the injury
for which such  payment was made.  The right is also hereby given the Company to
receive  directly  from the  Employer or any third  party(ies),  attorney(s)  or
insurance company(ies) an amount equal to the amount paid to or on behalf of the
Participant.

                                    EX 10 - 6

<PAGE>



     Section  4.6  Agreement  to  Plan,  Election  of  Severance  Benefits.   By
acceptance  of any Severance  Benefit from the Plan,  the  Participant  shall be
deemed to have agreed to adhere to all terms of the Plan. A  Participant  who is
entitled to severance  benefits under an employment  agreement with the Employer
may elect,  in  writing  within ten (10) days  after his  Termination  Date,  to
receive the severance  benefits  provided under this Plan in lieu of, but not in
addition  to,  such other  severance  benefits  as may be provided by such other
agreement.  In the event that no election is made, the Participant  shall forego
his right to receive the severance benefits provided under this Plan.

     Section 4.7 Forfeiture of Severance  Benefits.  A Participant shall forfeit
any and all entitlement to any Severance Benefit if the Administrator determines
that the Participant has failed to fulfill any requirement of the Plan.

     Section 4.8 Payment after Death.  If a  Participant  dies before his or her
Severance Benefits have been paid in full, the remaining Severance Benefits will
be  paid  to the  beneficiaries  named  in  such  Participant's  last  will  and
testament,  or if no will or beneficiary exist then to such Participant's  heirs
at law. The Plan shall be discharged  fully and  completely to the extent of any
payment made to any such beneficiaries or heirs at law.

                                    ARTICLE V
                            TERMINATION OF EMPLOYMENT

     Section  5.1  Written  Notice  Required.   Any  purported   termination  of
employment, either by the Employer or by the Participant,  shall be communicated
by written Notice of Termination to the other.


                                   ARTICLE VI
                       ADDITIONAL PAYMENTS BY THE COMPANY

     Section 6.1 Gross-Up Payment.  In the event it shall be determined that any
payment or  distribution of any type by the Employer to or for the benefit of an
Officer, whether paid or payable or distributed or distributable pursuant to the
terms of this Plan or otherwise (the "Total Payments"),  would be subject to the
excise tax imposed by Section  4999 of the  Internal  Revenue  Code of 1986,  as
amended (the  "Code") or any  interest or penalties  with respect to such excise
tax (such  excise  tax,  together  with any such  interest  and  penalties,  are
collectively referred to as the "Excise Tax", then the Officer shall be entitled
to receive an additional  payment (a "Gross-Up  Payment") in an amount such that
at the time of payment by the Officer of all taxes (including  additional excise
taxes under said  Section  4999 and any  interest,  and  penalties  imposed with
respect to any taxes) imposed upon the Gross-Up Payment,  the Officer shall have
an amount of the Gross-Up Payment equal to the Excise Tax imposed upon the Total
Payments.  The Company  shall pay the  Gross-Up  Payment to the  Officer  within
twenty  (20)  business  days after the  Payment  Date or the  Termination  Date,
whichever is applicable.

     Section 6.2 Determination By Accountant.  All determinations required to be
made under this Article VI, including whether a Gross-Up Payment is required and
the amount of such Gross-Up Payment, shall be made by the independent accounting
firm  retained by the Company on the date of Change in Control (the  "Accounting
Firm"), which shall provide detailed supporting calculations both to the Company
and the  Officer  within  fifteen  (15)  business  days of the  Payment  Date or
Termination Date, whichever is applicable,  or such earlier time as is requested
by the Company.  If the Accounting Firm determines that no Excise Tax is payable
by the  Officer,  it shall  furnish  the  Officer  with an  opinion  that he has
substantial  authority  not to report any Excise Tax on his  federal  income tax
return.  Any  determination  by the  Accounting  Firm shall be binding  upon the
Company and the Officer.  As a result of the  uncertainty in the  application of
Section  4999  of the  Code  at the  time of the  initial  determination  by the
Accounting Firm hereunder, it is possible that a Gross-Up Payment which will not
have been

                                    EX 10 - 7

<PAGE>



made by the Company should have been made ("Underpayment"),  consistent with the
calculations  required  to be made  hereunder.  In the  event  that the  Company
exhausts  its  remedies  pursuant to Section 6.3 and the Officer  thereafter  is
required  to make a  payment  of any  Excise  Tax,  the  Accounting  Firm  shall
determine  the  amount  of the  Underpayment  that  has  occurred  and any  such
Underpayment  shall be promptly paid by the Company to or for the benefit of the
Officer.

     Section 6.3 Notification  Required. The Officer shall notify the Company in
writing of any claim by the Internal Revenue Service that, if successful,  would
require the payment by the Company of the Gross-Up  Payment.  Such  notification
shall be given as soon as  practicable  but no later than ten (10) business days
after the  Officer  knows of such  claim and shall  apprise  the  Company of the
nature of such claim and the date on which such claim is  requested  to be paid.
The Officer shall not pay such claim prior to the  expiration of the thirty (30)
day period  following  the date on which it gives such notice to the Company (or
such shorter period ending on the date that any payment of taxes with respect to
such claim is due). If the Company  notifies the Officer in writing prior to the
expiration  of such  period that it desires to contest  such claim,  the Officer
shall:

          (a) give the  Company  any  information  reasonably  requested  by the
     Company relating to such claim,

          (b) take such action in connection  with  contesting such claim as the
     Company shall reasonably  request in writing from time to time,  including,
     without  limitation,  accepting legal  representation  with respect to such
     claim by an attorney reasonably selected by the Company,

          (c) cooperate  with the Company in good faith in order to  effectively
     contest such claim,

           (d) permit the Company to participate in any proceedings  relating to
     such claim, provided, however, that the Company shall bear and pay directly
     all  costs and  expenses  (including  additional  interest  and  penalties)
     incurred in connection  with such contest and shall  indemnify and hold the
     Officer harmless,  on an after-tax basis, for any Excise Tax or income tax,
     including interest and penalties with respect thereto,  imposed as a result
     of  such  representation  and  payment  of  costs  and  expenses.   Without
     limitation  on the  foregoing  provisions  of this Section 6.3, the Company
     shall control all proceedings taken in connection with such contest and, at
     its sole option,  may pursue or forgo any and all  administrative  appeals,
     proceedings,  hearings and conferences with the taxing authority in respect
     of such claim and may, at its sole option, either direct the Officer to pay
     the  tax  claimed  and  sue for a  refund,  or  contest  the  claim  in any
     permissible  manner,  and the Officer agrees to prosecute such contest to a
     determination  before any  administrative  tribunal,  in a court of initial
     jurisdiction  and in one or more  appellate  courts,  as the Company  shall
     determine;  provided,  however,  that if the Company directs the Officer to
     pay such claim and sue for a refund,  the Company  shall advance the amount
     of such  payment  to the  Officer,  on an  interest-free  basis  and  shall
     indemnify and hold the Officer  harmless,  on an after-tax basis,  from any
     Excise Tax or income tax,  including  interest or  penalties  with  respect
     thereto,  imposed  with  respect  to such  advance  or with  respect to any
     imputed income with respect to such advance;  and further provided that any
     extension  of the statute of  limitations  relating to payment of taxes for
     the taxable year of the Officer with respect to which such contested amount
     is  claimed  to  be  due  is  limited  solely  to  such  contested  amount.
     Furthermore,  the  Company's  control  of the  contest  shall be limited to
     issues with respect to which a Gross-Up Payment would be payable  hereunder
     and the Officer shall be entitled to settle or contest, as the case may be,
     any other issue raised by the Internal  Revenue Service or any other taxing
     authority.

     Section 6.4  Repayment.  If,  after the receipt by the Officer of an amount
advanced by the Company pursuant to Section 6.3, the Officer becomes entitled to
receive any refund with respect to such claim, the Officer

                                    EX 10 - 8

<PAGE>



shall (subject to the Company's  complying with the requirements of Section 6.3)
promptly  pay to the  Company  the  amount  of such  refund  (together  with any
interest paid or credited thereon after taxes applicable thereto). If, after the
receipt by the Officer of an amount advanced by the Company  pursuant to Section
6.3, a  determination  is made that the  Officer  shall not be  entitled  to any
refund with respect to such claim and the Company does not notify the Officer in
writing of its intent to contest such denial of refund  prior to the  expiration
of thirty days after such determination, then such advance shall be forgiven and
shall not be required to be repaid and the amount of such advance  shall offset,
to the extent thereof, the amount of Gross-Up Payment required to be paid.

                                   ARTICLE VII
                              SUCCESSORS TO COMPANY

     Section 7.1 Successors.  This Plan shall bind any successor (whether direct
or  indirect,  by  purchase,  merger,  consolidation  or  otherwise)  to  all or
substantially  all of the business  and/or  assets of the  Company,  in the same
manner and to the same  extent that the Company  would be  obligated  under this
Plan if no succession had taken place. In the case of any transaction in which a
successor would not, by the foregoing provision or by operation of law, be bound
by  this  Plan,  the  Company  shall  require  such   successor   expressly  and
unconditionally  to assume and agree to perform the Company's  obligations under
this Plan,  in the same manner and to the same extent that the Company  would be
required  to  perform  if no such  succession  had taken  place.  Failure of the
Company  to  obtain  such  agreement  prior  to the  effectiveness  of any  such
succession  shall be a breach  hereof  and  shall  entitle  the  Participant  to
compensation  from the  Company in the same  amount and on the same terms as the
Participant  would be  entitled  hereunder  if the  Participant  terminated  his
employment  for Good  Reason,  except  that for  purposes  of  implementing  the
foregoing,  the date on which any such  succession  becomes  effective  shall be
deemed the  Termination  Date.  As used  herein,  "the  Company"  shall mean the
Company as hereinbefore  defined and any successor to its business and/or assets
as aforesaid  which  executes and  delivers the  agreement  provided for in this
Section 7.1 or which  otherwise  becomes  bound by all the terms and  provisions
hereof by operation of law.

                                  ARTICLE VIII
                      DURATION, AMENDMENT, PLAN TERMINATION
                          AND ADOPTION BY SUBSIDIARIES

     Section 8.1 Duration.  This Plan shall continue in effect until  terminated
in accordance with Section 8.2. If a Change in Control  occurs,  this Plan shall
continue  in full force and effect,  and shall not  terminate  or expire,  until
after all Participants who have become entitled to a Severance Benefit hereunder
shall have received all of such benefits in full.

     Section 8.2 Amendment and Termination.  The Plan and its attached Schedules
may be terminated or amended in any respect by resolution  adopted by two-thirds
of the Board;  provided,  however,  that no such amendment or termination of the
Plan may be made if such amendment or  termination  would  adversely  affect any
right of a Participant  who became a  Participant  prior to the later of (i) the
date of adoption of any such  amendment or  termination,  or (ii) the  effective
date of any such amendment or termination;  and, provided further, that the Plan
no  longer  shall be  subject  to  amendment,  change,  substitution,  deletion,
revocation  or  termination  in any  respect  whatsoever  following  a Change in
Control.

     Section 8.3 Form of Amendment.  The form of any amendment or termination of
the Plan shall be a written  instrument  signed by a duly authorized  officer or
officers of the Company, certifying  that the amendment or  termination has been
approved by the Board.

                                    EX 10 - 9

<PAGE>


     Section 8.4 Adoption by  Subsidiaries.  Any  Subsidiary of the Company may,
with the approval of the Board of Directors of the Company,  adopt and become an
Employer  under  this  Plan  by  executing  and  delivering  to the  Company  an
appropriate  instrument  agreeing to be bound as an Employer by all of the terms
of the Plan with respect to its eligible employees.  The adoptive instrument may
contain such changes and  amendments in the terms and  provisions of the Plan as
adopted by such  Subsidiary as may be desired by such  Subsidiary and acceptable
to the Company. The adoptive instrument shall specify the effective date of such
adoption of the Plan and shall become as to such  adopting  Subsidiary a part of
this Plan.

                                   ARTICLE IX
                          CLAIMS AND APPEAL PROCEDURES

     Section  9.1 Claims  Procedure.  With  respect  to any claim for  Severance
Benefits under the Plan, the Administrator  will issue a decision on whether the
claim is denied or granted  within  fifteen (15) days after receipt of the claim
by the Administrator,  unless special circumstances require an extension of time
for  processing  the claim,  in which case a decision will be rendered not later
than  twenty  (20)  days  after  receipt  of the  claim.  Written  notice of the
extension  will be furnished to the  Participant  prior to the expiration of the
initial  fifteen  (15) day period and will  indicate  the special  circumstances
requiring an extension of time for  processing  the claim and will  indicate the
date the Administrator expects to render its decision. If the claim is denied in
whole or in part, the decision in writing by the Administrator shall include the
specific  reasons for the denial and  reference to the Plan  provisions on which
the denial is based.  The  decision  also  shall  include a  description  of any
additional  information which the Participant needs to submit in order to refile
the claim,  along with an  explanation  of why such  additional  information  is
necessary and how the procedure  for  reviewing  claims works.  If the notice of
denial is not furnished in accordance with the above procedure,  the claim shall
be deemed  denied and the  Participant  is  permitted to proceed with the review
procedure.

     Section 9.2 Appeals Procedure.  If his claim is denied in whole or in part,
an Participant may appeal in writing a denial of the claim, in part or in whole,
and request a review by the  Administrator.  The appeal must be submitted within
sixty (60) days after  notice of the denial of the claim.  The  Participant  may
request in writing to review  copies of pertinent  Plan  documents in connection
with the  appeal.  The  Administrator  will  review  the  appeal  and notify the
Participant of the final decision  within fifteen (15) days after  receiving the
request for review unless the Administrator requires an extension due to special
circumstances,  in which case the final decision will be made within twenty (20)
days after the Administrator  receives the request for review. The notice of the
final  decision must include the specific  reasons for the decision and specific
references  to the  pertinent  Plan  provisions  on  which  the  Administrator's
decision is based.

     Section 9.3 Exclusive Initial Remedy. No action may be brought for benefits
provided by this Plan or to enforce any right  hereunder until after a claim has
been  submitted to and  determined  by the  Administrator  and all appeal rights
under the Plan have been  exhausted.  Thereafter,  the  Participant may bring an
action for benefits provided by this Plan or to enforce any right hereunder. The
Participant's  beneficiary  should follow the same claims procedure in the event
of the Participant's death.

                                    ARTICLE X
                               PLAN ADMINISTRATION

     Section  10.1 In General.  The general  administration  of the Plan and the
duty to carry out its  provisions  shall be vested in the  Administrator,  which
shall be the "Plan Administrator" as that term is defined in

                                    EX 10 - 10

<PAGE>



section 3(16)(A) of ERISA. The Plan and Severance  Benefits under the Plan shall
be administered by the Administrator appointed from time to time by the Company.
The Administrator may, in its discretion,  secure the services of other parties,
including  agents  and/or  employees  to  carry  out  the  day-to-day  functions
necessary  to  an  efficient   operation  of  the  Plan.   The   Administrator's
interpretations, decisions, requests and exercises of power and responsibilities
shall  not be  subject  to review by  anyone  and shall be final,  binding,  and
conclusive upon all persons.  The Administrator  shall, in its sole and absolute
discretion,  have the exclusive right to interpret all of the terms of the Plan,
to determine  eligibility for coverage and benefits,  to resolve  disputes as to
eligibility,  type, or amount of benefits, to correct any errors or omissions in
the form or  operation  of the Plan,  to make  such  other  determinations  with
respect to the Plan, and to exercise such other powers and  responsibilities  as
shall be  provided  for in the Plan or as shall be  necessary  or  helpful  with
respect thereto.  The Administrator under and pursuant to this Plan shall be the
named  fiduciary  for  purposes of section  402(a) of ERISA with  respect to all
powers  and  duties  expressly  or  implicitly  assigned  to it  hereunder.  Any
determination  or  decision  by the  Company  made under or with  respect to any
provision of the Plan shall be in the  Company's  sole and absolute  discretion,
shall  not be  subject  to review by  anyone  and  shall be final,  binding  and
conclusive upon all persons.

     Section  10.2  Reimbursement  and  Compensation.  The  Administrator  shall
receive no  compensation  for its  services  as  Administrator,  but it shall be
entitled to reimbursement for all sums reasonably and necessarily expended by it
in the performance of such duties.

       Section 10.3 Rulemaking Powers. The Administrator shall have the power to
make reasonable and uniform rules and regulations required in the administration
of the Plan, to make all determinations necessary for the Plan's administration,
except  those  determinations  which the Plan  requires  others to make,  and to
construe and interpret  the Plan wherever  necessary to carry out its intent and
purpose and to facilitate its administration.

                                   ARTICLE XI
                           SOURCE OF SEVERANCE PAYMENT

        Section 11.1 No Separate Fund  Established All Severance  Benefits shall
be paid in cash from the  general  funds of the Company or an  Employer,  and no
special or separate  fund shall be  established.  Nothing  contained in the Plan
shall  create  or be  construed  to  create a trust  of any  kind,  and  nothing
contained in the Plan nor any action  taken  pursuant to the  provisions  of the
Plan shall create or be construed to create a fiduciary relationship between the
Company or an employer and a Participant, beneficiary, employee or other person.
To the extent  that any person  acquires a right to receive  Severance  Benefits
from the Company or an Employer  under the Plan,  such right shall be no greater
than the right of any unsecured general creditor of the Company or Employer. For
purposes of the Code, the Company intends this Plan to be an unfunded, unsecured
promise to pay on the part of the Company.  For  purposes of ERISA,  the Company
intends the Plan to be a "severance  plan" within the meaning of the  applicable
ERISA regulations.

                                   ARTICLE XII
                                  MISCELLANEOUS

        Section 12.1  Participant's  Legal Expenses.  The Company agrees to pay,
upon written  demand  therefor by the  Participant,  fifty  percent (50%) of all
legal fees and expenses which the Participant  may reasonably  incur in order to
collect amounts to be paid or obtain benefits to be provided to such Participant
under the Plan, plus in each case interest at the "applicable  Federal rate" (as
defined  in  Section  1274(d)  of the  Code).  In any such  action  brought by a
Participant  for  damages  or to  enforce  any  provisions  hereof,  he shall be
entitled  to seek both  legal and  equitable  relief  and  remedies,  including,
without limitation, specific performance of the Company's

                                    EX 10 - 11

<PAGE>



obligations hereunder, in his sole discretion.  However, in any instance where a
Participant  receives,  as the result of a final,  nonappealable  judgment  of a
court of competent  jurisdiction  or a mutually  agreed upon settlement with the
Company,  Severance  Benefits greater than those first offered by the Company or
its successor to the Participant, then the Company shall pay one hundred percent
(100%) of all such legal fees and expenses incurred by the Participant.

        Section 12.2 Employment Status. This Plan does not constitute a contract
of employment  or impose on the Employer any  obligation to retain a Participant
as an  employee,  to  change  the  status  of a  Participant's  employment  as a
Management Group Employee or in any other position,  or to change any employment
policies of the Employer.

        Section   12.3   Validity   and   Severability.    The   invalidity   or
unenforceability  of any  provision of the Plan shall not affect the validity or
enforceability  of any other  provision of the Plan,  which shall remain in full
force and effect,  and any prohibition or  unenforceability  in any jurisdiction
shall  not  invalidate  or  render  unenforceable  such  provision  in any other
jurisdiction.

       Section 12.4 The Participant's  Heirs, etc. This Agreement shall inure to
the  benefit  of and be  enforceable  by the  Participant's  personal  or  legal
representatives,  executors,  administrators,  successors,  heirs, distributees,
devisees and  legatees.  If the  Participant  should die while any amounts would
still be payable  to him  hereunder  as if he had  continued  to live,  all such
amounts,  unless otherwise provided herein, shall be paid in accordance with the
terms hereof to his designee or, if there be no such designee, to his estate.

     Section 12.5 Governing Law. The validity, interpretation,  construction and
performance  of the Plan shall in all  respects  be  governed by the laws of the
State of Texas.

       Section 12.6 Choice of Forum. A Participant  shall be entitled to enforce
the  provisions of this Plan in any state or federal court located in the Dallas
County, Texas, in addition to any other appropriate forum.

       Section  12.7  Notice.  For the  purposes  hereof,  notices and all other
communications  provided  for herein  shall be in writing and shall be deemed to
have been duly given when  delivered or mailed by United  States  registered  or
certified mail,  return receipt  requested,  postage  prepaid,  addressed to the
Company at its principal place of business and to the Participant at his address
as shown on the  records  of the  Employer,  provided  that all  notices  to the
Company shall be directed to the attention of the Chief Executive Officer of the
Company with a copy to the Secretary of the Company, or to such other in writing
in  accordance  herewith,  except  that  notices of change of  address  shall be
effective only upon receipt.

       Section  12.8  Alienation.  No  benefit,  right or interest of any person
under the Plan will be  subject to  alienation,  anticipation,  sale,  transfer,
assignment,  pledge,  encumbrance  or  charge,  seizure,  attachment  or  legal,
equitable  or  other  process  or be  liable  for  or  subject  to,  the  debts,
liabilities or other obligations of such persons,  except as otherwise  required
by law. No Participant,  dependent or their  beneficiary shall have any right or
claim to benefits from the Plan, except as specified in the Plan.

       Section 12.9  Pronouns.  A pronoun or adjective in the  masculine  gender
includes the feminine gender,  and the singular includes the plural,  unless the
context clearly indicates otherwise.

       IN WITNESS WHEREOF,  Denbury  Resources Inc. has caused these presents to
be executed by its duly authorized officer on the 6th day of December, 2000.



                                By:  /s/ Ronald G. Greene
                                     -------------------------------------------
                                     Name: Ronald G. Greene
                                     Title: Chairman of the Board



                                By:   /s/ Phil Rykhoek
                                      ------------------------------------------
                                      Name: Phil Rykhoek
                                      Title: Secretary & Chief Financial Officer

                                   EX 10 - 12

<PAGE>



                                   SCHEDULE A

                       "Officers", as of December 6, 2000

                  Gareth Roberts                     Ron Gramling
                  Phil Rykhoek                       Lynda Perrard
                  Mark Worthey                       Tracy Evans
                  Mark Allen

                                    EX 10 - 13

<PAGE>



                                   SCHEDULE B

                 "Investment Committee", as of December 6, 2000

                                 Gareth Roberts
                                 Phil Rykhoek
                                 Mark Worthey
                                 Tracy Evans






                                    EX 10 - 14

<PAGE>



                                   SCHEDULE C

                   "Management Group", as of December 6, 2000

                                   Kerry Allen
                                   George Pecorino
                                   Jim Sinclair






                                    EX 10 - 15

<PAGE>



                                   SCHEDULE D

                "Participating Employers", as of December 6, 2000

                                      None






                                    EX 10 - 16

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-13
<SEQUENCE>3
<FILENAME>0003.txt
<DESCRIPTION>EXHIBIT 13 - ANNUAL REPORT TO SHAREHOLDERS
<TEXT>




                                   EXHIBIT 13

PAGE 2, PAGES 6 THROUGH 8 INCLUSIVE, PAGES 10 THROUGH 12 INCLUSIVE, PAGES 14
THROUGH 16 INCLUSIVE,  AND PAGES 18 THROUGH 20 INCLUSIVE OF THE COMPANY'S ANNUAL
REPORT TO  SHAREHOLDERS  FOR THE YEAR ENDED  DECEMBER  31, 2000,  BUT  EXCLUDING
PHOTOGRAPHS  AND   ILLUSTRATIONS  SET  FORTH  ON  THESE  PAGES,  NONE  OF  WHICH
SUPPLEMENTS  THE TEXT AND WHICH ARE NOT  OTHERWISE  REQUIRED TO BE  DISCLOSED IN
THIS ANNUAL REPORT ON FORM 10-K.





                                       -1-





<PAGE>



<TABLE>
<CAPTION>


                                                    FINANCIAL HIGHLIGHTS



                                                                       YEAR ENDED DECEMBER 31,                   AVERAGE
                                                   --------------------------------------------------------       ANNUAL
AMOUNTS IN THOUSANDS OF U.S. DOLLARS UNLESS NOTED    2000       1999        1998        1997       1996         GROWTH (2)
- --------------------------------------------------------------------------------------------------------------------------
<S>                                              <C>           <C>        <C>         <C>        <C>               <C>
PRODUCTION (DAILY)
     Oil (Bbls)                                      15,219     12,090      13,603       7,902      4,099           39%
     Gas (Mcf)                                       37,078     27,948      36,605      36,319     24,406           11%
     BOE (6:1)                                       21,399     16,748      19,704      13,955      8,167           27%
REVENUE (NET OF ROYALTIES)                          179,372     81,575      81,883      85,333     52,880           36%
UNIT SALES PRICE
     Oil (per Bbl)                                    23.50      13.08       10.29       17.25      18.98            5%
     Gas (per Mcf)                                     3.57       2.34        2.31        2.68       2.73            7%
CASH FLOW FROM OPERATIONS (1)                       111,555     31,619      30,096      56,607     34,140           34%
NET INCOME (LOSS)                                   142,227      4,614    (287,145)     14,903      8,744          101%
AVERAGE COMMON SHARES OUTSTANDING                    45,823     39,928      25,926      20,224     13,104           37%
PER SHARE
     Cash flow from operations (1)
        Basic                                          2.43       0.79        1.16        2.80       2.61           -2%
        Diluted                                        2.41       0.79        1.15        2.64       2.39            0%
     Net income (loss)
        Basic                                          3.10       0.12      (11.08)       0.74       0.67           47%
        Diluted                                        3.07       0.12      (11.08)       0.70       0.63           49%
OIL AND GAS CAPITAL INVESTMENTS                     134,021     54,967     102,652     305,427     86,857           11%
TOTAL ASSETS                                        457,379    252,566     212,859     447,548    166,505           29%
LONG-TERM LIABILITIES                               202,428    154,976     226,436     256,637      7,481          128%
STOCKHOLDERS' EQUITY (DEFICIT)                      216,165     72,428     (32,265)    160,223    142,504           11%
PROVED RESERVES
     Oil (MBbls)                                     70,667     51,832      28,250      52,018     15,052           47%
     Gas (MMcf)                                     100,550     50,438      48,803      77,191     74,102            8%
     MBOE (6:1)                                      87,425     60,238      36,383      64,883     27,403           34%
     Discounted future cash flow - 10%            1,158,969    462,870     115,019     361,329    316,098           38%
PER BOE DATA (6:1)
     Revenue                                          22.90      13.34       11.38       16.75      17.69            7%
     Lease operating expenses                         (4.94)     (4.25)      (3.49)      (3.54)     (3.57)           8%
     Production taxes                                 (1.02)     (0.60)      (0.56)      (0.82)     (0.94)           2%
- -----------------------------------------------------------------------------------------------------------------------
       Production netback                             16.94       8.49        7.33       12.39      13.18            6%
     Administrative expense                           (1.09)     (1.21)      (1.02)      (1.30)     (1.50)          -8%
     Net cash interest (expense) income               (1.54)     (2.22)      (2.13)       0.02      (0.26)          56%
     Current income taxes and other                   (0.07)      0.11           -           -          -            -
- -----------------------------------------------------------------------------------------------------------------------
CASH FLOW FROM OPERATIONS (1)                         14.24       5.17        4.18       11.11      11.42            6%
- -----------------------------------------------------------------------------------------------------------------------

<FN>
(1) Exclusive of the net change in non-cash working capital balances.
(2) Computed using 1996 as a base year.
</FN>
</TABLE>

Reporting Format

Unless  otherwise  noted, the disclosures in this report have (i) dollar amounts
presented in U.S.  dollars,  (ii) production  volumes expressed on a net revenue
interest basis, and (iii) gas volumes converted to equivalent barrels at 6:1.

                                      -2-


<PAGE>

                            SELECTED OPERATING DATA

OIL AND GAS RESERVES

Estimates  of our net proved oil and gas  reserves as of December  31, 2000 have
been prepared by DeGolyer and MacNaughton,  and the estimates as of December 31,
1999 and 1998 were prepared by Netherland,  Sewell and  Associates,  Inc.,  both
independent  petroleum  engineers  located in Dallas,  Texas.  The reserves were
prepared  using constant  prices and costs in accordance  with the guidelines of
the Securities and Exchange Commission ("SEC"),  based on the prices received on
a  field-by-field  basis as of  December  31 of each year.  The  reserves do not
include any value for probable or possible reserves which may exist, nor do they
include any value for undeveloped  acreage.  The reserve estimates represent our
net revenue interest in our properties.

Our proved  non-producing  reserves  primarily  relate to  additional  potential
producing  zones  that  are  currently  behind  pipe.  Since a  majority  of our
properties are in areas with multiple pay zones, these properties typically have
both proved producing and proved non-producing reserves.

Waterfloods at Heidelberg  Field and tertiary (CO2) floods at Little Creek Field
make up 69% of our proved  undeveloped oil reserves.  We consider these reserves
to be lower risk than most proved undeveloped  reserves that require drilling as
there is minimal  reservoir  risk  associated  with these  reserves  because the
reservoirs have previously produced.  They are classified as undeveloped because
they require  additional  capital  expenditures in order to obtain the reserves.
The remaining 31% of our undeveloped oil reserves are generally reserves located
up-dip to  producing  formations.  Most of our proved  undeveloped  natural  gas
reserves are located in the Selma Chalk formation at Heidelberg  (26%), the Marg
Idio formation at Thornwell  Field (22%) and in our offshore High Island 521 and
286 blocks (36%). The High Island properties should begin producing in the first
or second  quarter of 2001 and were  considered  undeveloped  as of December 31,
2000 as they were not ready for production at that time. We plan to develop most
of the Heidelberg and Thornwell undeveloped reserves in 2001.

<TABLE>
<CAPTION>

                                                                           Year Ended December 31,
                                                               -------------------------------------------
                                                                     2000            1999           1998
                                                               -------------    ------------   -----------
<S>                                                             <C>              <C>             <C>
ESTIMATED PROVED RESERVES:
    Oil (MBbls)................................................      70,667          51,832         28,250
    Natural gas (MMcf).........................................     100,550          50,438         48,803
    Oil equivalent (MBOE)......................................      87,425          60,238         36,383
PERCENTAGE OF TOTAL MBOE:
    Proved producing...........................................         57%             41%            39%
    Proved non-producing.......................................         18%             25%            38%
    Proved undeveloped.........................................         25%             34%            23%
REPRESENTATIVE OIL AND GAS PRICES: (1)
    Oil - NYMEX................................................ $     26.80      $    25.60      $   12.00
    Natural gas - NYMEX Henry Hub..............................        9.78            2.12           2.15
PRESENT VALUES:(2)
    Discounted estimated future net cash flow before
        income taxes ("PV10 Value") (thousands)................ $ 1,158,969(3)   $  462,870      $ 115,019
    Standardized measure of discounted estimated future net
        cash flow after income taxes (thousands)............... $   841,299      $  448,374      $ 115,019
<FN>
- ---------------
(1)  The oil prices as of each  respective  year-end  were based on NYMEX prices
     per Bbl and  NYMEX  Henry  Hub  ("NYMEX")  prices  per  MMBtu,  with  these
     representative  prices  adjusted  by field  to  arrive  at the  appropriate
     corporate net price.
(2)  Determined  based on year-end  unescalated  prices and costs in  accordance
     with the guidelines of the SEC, discounted at 10% per annum.
(3)  For  comparative  purposes,  we also  prepared a December  31, 2000 reserve
     report using the same prices as used in the 1999 report.  The PV10 value in
     this report was $559 million.
</FN>
</TABLE>

                                      -6-

<PAGE>


                                FIELD SUMMARIES

Denbury operates in two primary core areas, Louisiana and Mississippi. Our seven
largest fields  constitute  approximately  85% of our total proved reserves on a
BOE basis and 77% on a PV10 Value  basis.  Within  these seven  fields we own an
average 91% working interest and operate 94% of the wells. The  concentration of
value in a relatively small number of fields allows us to benefit  substantially
from any operating  cost  reductions or production  enhancements  we achieve and
allows us to  effectively  manage  the  properties  from our two  primary  field
offices in Houma, Louisiana and Laurel, Mississippi.

<TABLE>
<CAPTION>

                                                                                          2000
                               Proved Reserves as of December 31, 2000 (1)       Average Daily Production
                          ------------------------------------------------------ ------------------------
                                                                                                            Average Net
                              Oil     Natural Gas  BOE's        BOE   PV10 Value       Oil    Natural Gas     Revenue
                            (MBbls)      (MMcf)   (000's)   % of Total  (000's)     (Bbls/d)    (Mcf/d)     Interest(2)
- ------------------------------------------------------------------------------------------------------------------------
<S>                       <C>       <C>         <C>       <C>         <C>          <C>          <C>           <C>
Louisiana
   Lirette...............       413      23,962    4,407       5.0%   $  170,490       136        9,611         62%
   Thornwell  (3)........       274      14,444    2,681       3.1%      123,794        84        5,815         49%
   Other Louisiana.......     1,124      19,839    4,430       5.1%      160,100       627       14,857         36%
                          --------- ----------- --------  ---------   ----------   -------      -------       -----
    Total Louisiana......     1,811      58,245   11,518      13.2%      454,384       847       30,283         42%
                          --------- ----------- --------  ---------   ----------   -------      -------       -----
Offshore Gulf of Mexico
   High Island 521.......        13       7,832    1,318       1.5%       61,556         -            -         19%
   Other offshore........        45       5,517      965       1.1%       33,051        12        1,037         23%
                          --------- ----------- --------  ---------   ----------   -------      -------       -----
    Total offshore.......        58      13,349    2,283       2.6%       94,607        12        1,037         22%
                          --------- ----------- --------  ---------   ----------   -------      -------       -----
Eastern Mississippi
   Heidelberg............    44,254      24,022   48,257      55.2%      369,517     6,685        3,752         80%
   Eucutta...............     6,360         454    6,436       7.3%       56,295     2,207          149         76%
   King Bee..............     2,956           -    2,956       3.4%       22,144       738            -         58%
   Other E. Mississippi..     6,678       3,358    7,238       8.3%       70,040     2,660        1,432         65%
                          --------- ----------- --------  ---------   ----------   -------      -------       -----
    Total E. Mississippi.    60,248      27,834   64,887      74.2%      517,996    12,290        5,333         75%
                          --------- ----------- --------  ---------   ----------   -------      -------       -----
Western Mississippi
   Little Creek..........     8,291           -    8,291       9.5%       83,390     2,018            -         83%
   Other.................       116           -      116       0.1%          974         -            -         83%
                          --------- ----------- --------  ---------   ----------   -------      -------       -----
    Total W. Mississippi.     8,407           -    8,407       9.6%       84,364     2,018            -         83%
                          --------- ----------- --------  ---------   ----------   -------      -------       -----
Other....................       143       1,122      330       0.4%        7,618        52          425           -
                          --------- ----------- --------  ---------   ----------   -------      -------       -----

Company Total............    70,667     100,550   87,425     100.0%   $1,158,969    15,219       37,078         68%
                          ========= =========== ========  =========   ==========   =======      =======       =====

<FN>

(1)    The reserves were prepared using constant  prices and costs in accordance
       with  the  guidelines  of the  SEC  based  on the  prices  received  on a
       field-by-field  basis as of December  31,  2000.  The prices at that date
       were a NYMEX oil price of $26.80  per Bbl  adjusted  by field and a NYMEX
       natural gas price average of $9.78 per MMBtu also adjusted by field.

(2)    Only  includes  wells in which the Company  has a working  interest as of
       December 31, 2000.

(3)    Thornwell  Field was  acquired  during  the fourth  quarter of 2000.  The
       average  production during the period it was owned by the Company was 335
       Bbls/d and 23,133 Mcf/d.

</FN>
</TABLE>


                                       -7-


<PAGE>
                               OIL AND GAS ACREAGE

   The following  table sets forth  Denbury's  acreage  position at December 31,
2000:
<TABLE>
<CAPTION>
                                           Developed                            Undeveloped
                              ----------------------------------     ---------------------------------
                                    Gross               Net                Gross               Net
                              --------------     ---------------     ---------------     -------------
<S>                                   <C>                 <C>                 <C>               <C>
Louisiana....................         24,322              15,999              26,337            15,819
Mississippi..................         31,568              26,098              37,684            24,249
Offshore Gulf Coast..........         30,000              10,027               5,000             2,500
                              --------------     ---------------     ---------------     -------------
            Total............         85,890              52,124              69,021            42,568
                              ==============     ===============     ===============     =============
</TABLE>

                                PRODUCTICE WELLS

       This  table sets  forth  both the gross and net  productive  wells of the
Company at December 31, 2000:

<TABLE>
<CAPTION>
                                        Producing Oil                    Producing Gas
                                            Wells                           Wells                           Total
                                 ---------------------------     ---------------------------     ----------------------------
                                    Gross             Net           Gross            Net            Gross             Net
                                 -----------      ----------     -----------     -----------     -----------      -----------
<S>                              <C>              <C>            <C>             <C>             <C>              <C>
Louisiana..................          41              15.4            60              26.8           101               42.4
Mississippi................         367             278.3            42              27.9           409              306.2
Offshore Gulf Coast........           -                 -             6               1.4             6                1.4
                                 -----------      ----------     -----------     -----------     -----------      -----------
       Total...............         408             293.7           108              56.1           516              350.0
                                 ===========      ==========     ===========     ===========     ===========      ===========
</TABLE>

                               DRILLING ACTIVITY

       The following table sets forth the results of drilling  activities during
each of the three fiscal years in the period ended December 31, 2000.


<TABLE>
<CAPTION>

                                                                           Year Ended December 31,
                                                  ---------------------------------------------------------------
                                                          2000                  1999                 1998
                                                  --------------------   ------------------   -------------------
                                                    Gross       Net       Gross      Net       Gross       Net
                                                  ---------   --------   --------  --------   --------   --------
<S>                                               <C>         <C>        <C>       <C>        <C>        <C>
Exploratory Wells: (1)
     Productive (2)........................          3          1.1        3         1.0        -          -
     Nonproductive (3).....................          1          0.2        1         1.0        1          0.4
Development Wells: (1)
     Productive (2)........................         38         26.5       12        11.9       33         26.7
     Nonproductive (3)(4)..................          2          0.2        -         -          1          0.8
                                                  --------   --------   --------  --------   --------   --------
           Total...........................         44         28.0       16        13.9       35         27.9
                                                  ========   ========   ========  ========   ========   ========
<FN>

(1)  An  exploratory  well is a well drilled  either in search of a new,  as-yet
     undiscovered  oil or gas reservoir or to greatly extend the known limits of
     a previously discovered  reservoir.  A developmental well is a well drilled
     within the presently proved productive area of an oil or gas reservoir,  as
     indicated  by  reasonable   interpretation  of  available  data,  with  the
     objective of completing in that reservoir.

(2)  A productive well is an exploratory or development well found to be capable
     of  producing  either  oil or  gas  in  sufficient  quantities  to  justify
     completion as an oil or gas well.

(3)  A  nonproductive  well is an exploratory or development  well that is not a
     producing well.

(4)  During 2000 and 1999,  an  additional  12 and 4 wells,  respectively,  were
     drilled for water injection purposes.
</FN>
</TABLE>

                                      -8-

<PAGE>

                       OPERATIONS SECTION OF ANNUAL REPORT

[Graphic Omitted]

South Louisiana and Offshore
- ----------------------------

         Denbury operates on the land and marshes of South Louisiana,  including
state  waters.  During  2000,  we began an expansion  into the federal  offshore
waters as a natural  extension of our  activities  onshore.  The geology in both
areas is  similar,  and both rely  heavily on the use of 3D seismic to  identify
potential  reservoirs.  Denbury owns  interests  in 107 wells,  both onshore and
offshore,  and  operates  83 of these wells  (77%) from its  regional  office in
Houma,  LA. This region  produces most of the Company's  natural gas,  averaging
50.6 MMcf/d net to Denbury in the 4th quarter of 2000,  approximately 84% of our
total gas production.  We anticipate  future  increases in our capital budget in
this region as we attempt to increase the  percentage of natural gas  production
company-wide.

         The majority of our onshore  fields lie in the Houma  embayment area of
Terrebonne Parish, including Lirette Field, one of our seven largest fields. The
advent of 3D  seismic  data in these  geologically  complex  areas has  become a
valuable tool in exploration and development. We currently own or have a license
to work over 550 square miles of 3D data, and plan to expand our data ownership.
This  data,  the  first  3D  seismic  to be  shot in  these  swampy  areas,  was
instrumental  in our  drilling  of two  successful  step out wells at Lirette in
1999,  and one very  successful  exploration  well in 2000.  This well, the Leon
Hebert Heirs #1 (formally  the Fina Fee #1),  averaged 7.0 MMcf/d and 125 Bbls/d
net to the Company  during the month of January  2001.  During 2001,  we plan to
drill four  additional  wells in the  Terrebonne  Parish  area using the same 3D
interpretation techniques.

         Late in 2000,  we  purchased  a  majority  interest  in 15 gas wells at
Thornwell  Field in Cameron  and Jeff Davis  Parishes.  This field  produced  an
average of 25.1 MMcfe/d net to our interest

                                      -10-

<PAGE>

[Graphic Omitted]


during the fourth quarter of 2000. Our primary interest in purchasing this field
was the substantial upside potential that exists in continued development of the
existing producing zones, and the exploration potential of several deeper zones.
These  prospects are all defined by a recent 110 square mile 3D seismic  survey.
Denbury  intends to be very active in this area in 2001,  with current  plans to
drill at least seven wells.

         Our focus offshore is exclusively on the Gulf of Mexico shelf using the
same 3D seismic techniques that we have applied onshore.  By the end of 2000, we
had acquired or committed to acquire  approximately 500 square miles of 3D data.
Using this data,  by the end of 2000 we had  acquired  interests in nine acreage
blocks in the federal offshore waters by leasing primary term blocks,  obtaining
farmouts,  and acquiring producing properties.  As of February 28, 2001, Denbury
has participated in a total of five offshore wells at the High Island blocks 286
and 521,  all of which  were  successful.  Four of the  wells  are  expected  to
commence  production  during  the first  half of 2001 and the fifth  well in the
second half, with an estimated  aggregate rate net to us of seven to ten MMcf/d.
Our  working  interest  in these  wells  ranges  from 25% to 50%.  We have  also
identified  four  additional  prospects  in the area that we plan to  develop in
2001.

         Significant  future activity is planned in the West Cameron area, where
at least 10 exploration and development opportunities have been identified. Most
of these are lower  risk  projects  around  existing  fields,  but  several  are
exploration prospects with unrisked targets of up to 20 Bcf.

[Graphic Omitted]

                                       -11-

<PAGE>

[Graphic Omitted]


Heidelberg and East Mississippi
- -------------------------------

       In the Eastern part of the Mississippi  salt basin,  Denbury operates 366
wells in 20 fields  from its office in Laurel,  MS.  These  fields  produced  an
average  of 12,676  Bbls/d and 7.5 MMcf/d  during the 4th  quarter of 2000.  The
largest field in the region,  and the  Company's  largest  field,  is Heidelberg
Field,  which for the fourth quarter of 2000 produced an average of 7,978 BOE/d.
We have been  active in this area since the  Company was founded in 1990 and are
by far the largest  producer  in the basin.  Our  strategy  has been to increase
reserves and production in and around existing fields. The fields in this region
are  characterized  by structural traps that generate  prolific  production from
stacked or multiple pay sands. As such, they provide  opportunities  to increase
reserves through infield drilling, performing recompletions, making improvements
in  production  efficiency,  and in some  cases,  by  water  flooding  producing
reservoirs.  Most of our wells  produce  large  amounts of saltwater and require
large pumps,  which  increase  the  operating  costs per barrel  relative to our
properties  in  Louisiana  that  are  predominantly  gas  producers.  We plan to
continue  our  basic  strategy  in  the  region,   supplemented   by  additional
waterflooding   (secondary  recovery)  and  eventually  carbon  dioxide  ("CO2")
flooding (tertiary recovery).

       We plan to study the feasibility of CO2 flooding in our East  Mississippi
fields.  We are already  actively using this technology at Little Creek Field in
West  Mississippi,  and initial tests indicate that this  technique  should also
work in the fields in Eastern Mississippi. However CO2 flooding in the East will
probably be a few years away, as it requires the construction of a pipeline from
our CO2 source to the eastern part of the state,  plus the construction of other
facilities.

       Our primary  interests at Heidelberg  Field were acquired from Chevron in
December  of  1997.  This  field  was  discovered  in 1944 and has  produced  an
estimated 194 MMBbls of oil and 37 Bcf of gas since its discovery.  The Field is
a large  salt-cored  anticline that is divided into western and eastern segments
due to subsequent  faulting.  Production is from a series of normally  pressured
Cretaceous and Jurassic Age sandstone formations situated between 3,500 feet and
11,500  feet.  There  are  11  producing  formations  in  the  Heidelberg  Field




                                      -12-

<PAGE>

[Graphic Omitted]


containing 40 individual  reservoirs,  with the majority of the past and current
production coming from the Eutaw and Christmas sands at depths of 4,000 to 5,000
feet.

       We continue  to employ the latest  technological  advances in  artificial
lift, open-hole and cased-hole logging techniques, and most recently,  hydraulic
fracturing techniques.  The average daily production has increased at Heidelberg
each quarter since we took over  operations in January of 1998. When we acquired
the  property,  production  was  approximately  2,800 BOE/d.  As a result of our
subsequent  development work,  production for 1998, 1999 and 2000 averaged 3,760
BOE/d, 5,708 BOE/d and 7,310 BOE/d,  reaching 7,978 BOE/d for the fourth quarter
of 2000.

       We currently  operate five  waterflood  units at Heidelberg;  four on the
east side and one expanded unit on the west. These waterflood units produce from
the  shallow   (approximately  4,400  feet)  Eutaw  formation.   The  cumulative
production  from these five units since their initial  discovery is estimated at
71.4 million barrels,  or approximately  24% of the original oil estimated to be
in place.  We believe that properly  designed and executed  waterflood  programs
should increase the recovery factor to 40%, similar to our expectations from the
nearby analogous Eucutta Field. All five of the waterflood units were responding
to injection by July 2000.

       During 2000, we accelerated  our development of the Selma Chalk formation
in Heidelberg,  which produces gas at a depth of 3700 feet.

                                      -14-

<PAGE>


Previous  operators only partially  developed this formation in order to provide
fuel gas for the rest of the field. Using modern hydraulic fracturing techniques
we have  been able to  increase  the gas  production  at  Heidelberg  to over 10
MMcf/d.  This  six-fold  increase  in natural  gas  production  was  obtained by
drilling 14 wells at a total cost of approximately $4 million. We currently plan
to drill 15 wells in 2001, which will  effectively  reduce the well spacing down
to 40 acres in East Heidelberg. To date, we have not seen any pressure depletion
from existing  wells after new wells have been drilled.  Based on the results in
similar  fields in  Mississippi,  it may be possible to further  reduce the well
spacing down to 20-acres, which would allow for an additional 40 wells.

       Several  additional  zones  below  the  Eutaw  formation,  including  the
Christmas,  Tuscaloosa,  Paluxy,  Rodessa,  Hosston, Cotton Valley and Smackover
formations, have produced a combined 80 MMBbls and 20 Bcf from inception through
late 2000. We believe that there may be the potential to add additional reserves
by extending  existing  reservoirs,  locating new  reservoirs  and  implementing
additional  waterfloods  within the  Heidelberg  Field area.  The wells  drilled
during 2000 were positioned to delineate recently discovered  reservoirs,  while
providing   additional   production  or  injection   opportunities  for  planned
waterfloods.

         Denbury has pursued the same strategy at its other  significant  fields
in East Mississippi;  Eucutta, Quitman, Davis, Sandersville and King Bee Fields.
After we acquired  each of these oil fields,  we  initiated a rework  program to
increase  production and reserves.  Davis Field, one of our oldest fields, is an
example of our strategy in Mississippi.  This field was producing  approximately
600 Bbls/d and had reserves of  approximately  1.8 MMBbls when we acquired it in
1993.  Since then, the field has produced at various rates,  with a monthly high
of  approximately  1,700 Bbls/d,  and a fourth  quarter 2000 average rate of 524
Bbls/d.  Reserves at the end of 2000 were 1.2 MMBbls,  about  two-thirds  of the
estimated 1993 reserve  quantities,  while over the seven years we have produced
more than 1.8 MMBbls.

[Graphic Omitted]
                                      -15-

<PAGE>

[Graphic Omitted]

West Mississippi and Little Creek Field
- ---------------------------------------

       Denbury began its  activities in this part of the basin in September 1999
with the purchase of Little Creek Field, now our 5th largest field based on PV10
values at December  31,  2000.  In February  2001,  we acquired CO2 reserves and
producing  wells near Jackson,  Mississippi,  which include a 183-mile  pipeline
that  transports the CO2 to Little Creek Field in the  southwestern  part of the
state. This acquisition will allow us to expand our tertiary CO2 gas flooding at
Little Creek Field and potentially, at other fields in the area.

       Carbon  dioxide   injection  for  tertiary   recovery  purposes  is  used
extensively  in  the  Permian  Basin  Region  of  West  Texas,  because  of  the
availability  of large  reserves of CO2 . Carbon  dioxide  injection is the most
efficient  tertiary  recovery  mechanism for crude oil, but its  application  is
limited by the  availability  of large  quantities of the gas, which to date has
been restricted to West Texas and Mississippi. The carbon dioxide acts as a type
of solvent for the oil,  removing it from the  formation as the CO2 is produced.
For example,  in a typical oil field,  between 40-50% of the oil in place can be
extracted  by primary and  secondary  (waterflooding)  recovery.  An  additional
amount of oil (17% at Little  Creek)  can be  recovered  by  injecting  CO2 into
certain wells and then recovering oil and CO2 from other wells.

       In Mississippi,  CO2 reserves have been discovered around Jackson dome, a
volcanic  intrusive  which was  emplaced  about 60 million  years  ago.  The CO2
reserves in this area are found in structural




                                      -16-


<PAGE>

[Graphic Omitted]

traps in the  Buckner,  Smackover  and  Norphlet  formations  at depths of about
15,000 feet.  Some  estimates have suggested that there are 12 Tcf of usable CO2
in this area.  Our  acquisition  includes  10  producing  CO2 wells,  which were
originally  drilled  by Shell to  supply  CO2 to  Little  Creek  Field,  with an
estimated one Tcf of proved CO2 reserves.  Today, some of that CO2 production is
sold to other commercial users and we use the rest for our tertiary activities.

       Part of the  rationale  behind our  purchase of Little Creek Field was to
gain  experience  in CO2  tertiary  recovery,  which we knew  could  potentially
benefit our  properties  in Eastern  Mississippi,  particularly  Heidelberg  and
Eucutta Fields.  Not only have we gained  experience,  but we have  sufficiently
increased  our proved  reserves  and  production  rates to a degree  that we are
comfortable  expanding our tertiary  recovery  activities in the area.  However,
before we could do that, we needed to assure  ourselves  that the carbon dioxide
would be available  when needed and at a reasonable and  determinable  cost. For
that reason, we purchased the carbon dioxide reserves and pipeline.

       The Western part of Mississippi  has produced over 245 cumulative  MMBbls
of light sweet crude oil from  Tuscaloosa  sandstones at a depth of about 10,000
feet. The application of a theoretical recovery factor of 17% of original oil in
place suggests that about 80-100 MMBbls of additional  reserves may be available
in fields in this part of the state. Obviously, a great deal of work is required
before  these  reserves  can be recorded as proved  reserves,  such as acquiring
properties,  leasing,  reworking and redrilling wells and installing  production
facilities;  however, preliminary indications suggest that there is considerable
potential for us in this part of Mississippi.

                                      -18-

<PAGE>

       Little Creek Field was discovered in 1958, and by 1962 the field had been
unitized and waterflooding had commenced.  The pilot phase of CO2 flooding began
in 1974 and the first two phases (which are merely  distinct areas of the field)
of the  field-wide  flooding  began in  1985.  In 2000,  Denbury  completed  the
development  of a third  phase and  initiated  the CO2  injection  into a fourth
phase.  Our plans in 2001 are to initiate  injection into the fifth phase and to
further  expand  phase  III.  Currently  there  are 37  producing  wells  and 17
injection wells at Little Creek. Based on the results of the two earliest phases
of CO2 flooding at Little  Creek,  tertiary  recovery has increased the ultimate
recovery factor in that portion of the field by  approximately  17%, as compared
to approximately  20% for primary recovery and 18% for secondary  recovery.  The
field has produced a cumulative  57 MMBbls of light sweet crude and we currently
estimate that an additional 9 MMBbls will be recovered.

       During 2000, we acquired a 3D seismic survey covering Little Creek Field.
This survey identified areas of the field that were previously  considered to be
non-productive.  We  anticipate  that the  combination  of the 3D survey and the
benefits of CO2 flooding will allow us to expand the current  productive area of
Little Creek Field,  and to develop other fields  within the immediate  area. We
have  identified  several  additional  fields covered by the 3D survey that will
benefit  from CO2  flooding  and that can be  developed  using the Little  Creek
facilities.

       Production  from Little  Creek Field  averaged  2,206 BOE/d in the fourth
quarter  of 2000.  We  expect  the  production  from  Little  Creek to  increase
throughout  2001 and peak during 2003 at an estimated net rate of 3,500 to 4,500
BOE/d.

[Graphic Omitted]

                                      -19-


<PAGE>





                             SELECTED ABBREVIATIONS

Bbl                 One stock tank barrel,  of 42 U.S.  gallons  liquid  volume,
                    used  herein  in  reference  to crude  oil or  other  liquid
                    hydrocarbons.

Bbls/d              Barrels of oil produced per day.

Bcf                 One billion cubic feet of natural gas.

BOE                 One barrel of oil  equivalent  using the ratio of one barrel
                    of crude oil,  condensate or natural gas liquids to 6 Mcf of
                    natural gas.

BOE/d               BOEs produced per day.

Btu                 British  thermal  unit,  which is the heat required to raise
                    the  temperature  of a one-pound  mass of water from 58.5 to
                    59.5 degrees Fahrenheit.

MBbls               One   thousand   barrels  of  crude  oil  or  other   liquid
                    hydrocarbons.

MBOE                One thousand BOEs.

MBtu                One thousand Btus.

Mcf                 One  thousand  cubic feet of natural gas.

Mcf/d               One thousand  cubic feet of natural gas produced per day.

MMBbls              One million  barrels of  crude oil  or  other  liquid hydro-
                    carbons.

MMBOE               One million BOEs.

MMBtu               One million Btus.

MMcf                One million cubic feet of natural gas.

PV10 Value          When used with respect to oil and natural gas reserves, PV10
                    Value  means  the  estimated  future  gross  revenue  to  be
                    generated  from the  production of proved  reserves,  net of
                    estimated  production and future  development  costs,  using
                    prices and costs in effect at the determination date, before
                    income taxes,  and without  giving  effect to  non-property-
                    related  expenses,  discounted  to a present  value using an
                    annual   discount  rate  of  10%  in  accordance   with  the
                    guidelines of the Securities and Exchange Commission.

Proved Developed    Reserves  that  can  be  expected  to be  recovered  through
Reserves            existing   wells  with   existing  equipment  and  operating
                    methods.


Proved Reserves     The  estimated  quantities  of crude  oil,  natural  gas and
                    natural gas liquids which  geological and  engineering  data
                    demonstrate  with reasonable  certainty to be recoverable in
                    future years from known reservoirs  under existing  economic
                    and operating conditions.

Tcf                 One trillion cubic feet of natural gas.

                                      -20-


<PAGE>



           Management's Discussion and Analysis of Financial Condition
                            and Results of Operations

       Denbury  is  a  growing  independent  oil  and  gas  company  engaged  in
acquisition,  development  and  exploration  activities  in the U.S.  Gulf Coast
region.  The Company is the largest oil and natural gas producer in Mississippi,
holds key operating  acreage onshore Louisiana and has a growing presence in the
offshore  Gulf of Mexico  areas.  The  Company  increases  the value of acquired
properties  through  a  combination  of  exploitation,   drilling,   and  proven
engineering extraction processes. Denbury's corporate headquarters is in Dallas,
Texas,  and it has two primary  field  offices  located in Houma,  Louisiana and
Laurel, Mississippi.

CAPITAL RESOURCES AND LIQUIDITY

       ELEMENTS OF INCREASED CASH FLOW. As more fully  described  under "Results
of  Operations"  below,  as a result of improved  product  prices and  increased
production,  the Company posted record earnings and cash flow from operations in
2000, up sharply from these results for 1999 and 1998.

       HIGHER  COMMODITY  PRICES.  NYMEX oil prices have  improved from the 1998
year-end price of  approximately  $12.00 per Bbl to an average of  approximately
$19.00 per Bbl for 1999 and an average of approximately  $30.25 per Bbl for 2000
(as compared to a net  corporate  average  price  received of $25.89 per Bbl for
2000  before the impact of  hedging).  Natural  gas prices  have also  increased
dramatically,  particularly  during  2000,  from a NYMEX price of  approximately
$2.15 per Mcf at year-end 1998 to an average of  approximately  $2.35 per Mcf in
1999 and an average of  approximately  $3.90 per Mcf for 2000 (as  compared to a
net corporate average price received of $4.45 per Mcf for 2000 before the impact
of hedging).  As of December 31, 2000,  the NYMEX natural gas prices were almost
$10.00 per Mcf,  although  they dropped back to between  $5.00 and $6.00 per Mcf
during February 2001.

<TABLE>
<CAPTION>

Graph depicting the NYMEX crude oil price postings by month from January 1997
through December 2000:

<S>     <C>     <C>     <C>     <C>     <C>     <C>     <C>     <C>     <C>     <C>     <C>
Jan-97  Feb-97  Mar-97  Apr-97  May-97  Jun-97  Jul-97  Aug-97  Sep-97  Oct-97  Nov-97  Dec-97
 25.18   22.17   20.97   19.73   20.87   19.22   19.66   19.95   19.78   21.28   20.22   18.32

Jan-98  Feb-98  Mar-98  Apr-98  May-98  Jun-98  Jul-98  Aug-98  Sep-98  Oct-98  Nov-98  Dec-98
 16.73   16.08   15.05   15.47   14.93   13.67   14.08   13.38   14.98   14.46   12.96   11.24

Jan-99  Feb-99  Mar-99  Apr-99  May-99  Jun-99  Jul-99  Aug-99  Sep-99  Oct-99  Nov-99  Dec-99
 12.49   12.02   14.68   17.30   17.77   17.92   20.10   21.28   23.79   22.67   24.77   26.09

Jan-00  Feb-00  Mar-00  Apr-00  May-00  Jun-00  Jul-00  Aug-00  Sep-00  Oct-00  Nov-00  Dec-00
 26.88   29.37   30.06   25.64   28.95   31.46   30.05   31.17   33.76   32.90   34.40   28.35

</TABLE>


       INCREASED PRODUCTION. In addition, the Company's average daily production
has increased for the seventh consecutive  quarter,  setting new company records
for both the fourth  quarter  and fiscal  2000 (see  "Results  of  Operations  -
Production").

       LARGER  PROVED  RESERVES.  Along  with  the  growth  in  production,  the
Company's proved reserve quantities increased 45% between 1999 and 2000, with an
even  larger  increase  in reserve  values due to higher  commodity  prices (see
"Results of Operations - Depletion,  Depreciation  and Site  Restoration"  for a
discussion of the changes in proved reserves).

                              Bank Credit Facility

       Between September 1999 and October 2000, the Company  did not  borrow any
funds on its bank credit  facility and repaid $6.5 million during the first nine
months of 2000. In the fourth quarter of 2000, the Company  borrowed $61 million
under its bank credit facility to fund  acquisitions (see "Results of Operations
- - 2000  Acquisitions")  and the cost of "puts" or  floors  purchased  to hedge a
portion  of the  Company's  production  for  2001  and 2002  (see  "Market  Risk
Management"). With the excess cash flow

                                      -23-


<PAGE>



Graph depicting  the Company's  bank debt  by quarter  for 2000  (in millions of
dollars):

1st Qtr   2nd Qtr   3rd Qtr   4th Qtr
 27.5      23.5      21.0      74.0


generated from these acquisitions,  strong commodity prices and reduced spending
in the fourth  quarter of 2000 due to unforeseen  delays,  the Company repaid $8
million to its banks in late December 2000, leaving the Company with outstanding
bank  borrowings  of $74 million as of December  31, 2000,  and total  long-term
debt, including the Company's Senior Subordinated Notes, of $199 million.

       The  Company's   bank  credit   facility   provides   for  a  semi-annual
redetermination  of the borrowing  base on April 1st and October 1st. On October
13, 2000, the Company amended and restated its bank credit facility with Bank of
America,  as agent for a group of seven other banks. This amendment (i) extended
the  maturity of the credit line for one  additional  year to December 31, 2003,
(ii)  increased the interest rate on the loan by increasing the LIBOR margin for
Eurodollar loans by 0.25%,  (iii) reduced the number of banks in the line by one
and  re-allocated  the loan among the remaining eight banks,  and (iv) increased
the Company's  conforming  borrowing base from $60 million to $110 million.  The
total borrowing base of $110 million was not changed at that time.

       In December  2000, at the request of the Company,  the banks  conducted a
redetermination  of the  Company's  credit  facility and increased the borrowing
base from $110 to $150 million.  An  additional  $21 million was borrowed on the
bank credit line on February 2, 2001 to partially fund a $42 million acquisition
of carbon dioxide reserves,  producing wells, facilities and a 183-mile pipeline
(the "CO2 Acquisition").  In late February 2001, $8 million was repaid,  leaving
the Company  with $87  million of total bank debt and $63  million of  available
credit as of March 1, 2001.

       In keeping with its fiscal policy during the last two years,  the Company
plans  to  continue  to  reserve  its  credit  line   primarily   for  potential
acquisitions.  The next scheduled borrowing base  redetermination  will be as of
April 1, 2001.  The  Company  anticipates  that the  borrowing  base will either
increase or remain unchanged as a result of the additional collateral and assets
provided  by the CO2  Acquisition,  although  the  borrowing  base can always be
reduced at the banks'  discretion  and is based in part,  upon external  factors
over which the Company has no control.


Graph comparing the Company's 2000  development and exploration  expenditures to
its cash flow, by quarter for 2000 (in millions of dollars):

                              1st Qtr   2nd Qtr   3rd Qtr   4th Qtr
Expenditures                   14.6      21.7      22.8      14.6
Cash flow from operations      19.6      21.3      27.5      43.2


                         Capital Spending and Resources

       Although the Company's total debt has risen from $152.5  million at year-
end 1999 to $212 million as of March 1, 2001, the Company's leverage in relation
to its cash flow from  operations  (before the change in working  capital items)
has decreased. Denbury's debt-to-cash-flow ratio was 1.2 to 1 comparing its debt
as of March 1,  2001 to the  annualized  fourth  quarter  of 2000 cash flow from
operations, a significant improvement from the debt-to-cash-flow ratio of 2.9 to
1 a year earlier, computed in the same manner.

       The  Company's  capital  budget  for  2001,  excluding  acquisitions,  is
currently  set at $150  million,  which  includes  approximately  $10 million of
projects that were carried over from 2000. Approximately 20% of the

                                      -24-


<PAGE>



2001  expenditures are targeted for Heidelberg Field, 15% for Little Creek Field
and other CO2 floods,  15% for the recently  acquired  Thornwell  Field, 17% for
offshore  activities,  and the balance for various  other  fields.  Of the total
budget,  approximately 17% is related to exploratory drilling,  seismic or other
exploratory type expenditures. During 2001, the Company plans to follow a fiscal
policy  similar  to that  followed  in 1999 and 2000,  whereby  it will keep its
capital  expenditures at, or less than, cash flow from  operations.  The Company
reviews its budget on a quarterly  basis and thus may adjust its spending levels
if there are significant changes in cash flow.

       Due to high  commodity  prices and the resultant  cash flow,  the Company
increased its budget three times during 2000. These adjustments were made to add
additional  projects and to adjust for continually  increasing costs. Due to the
increased  levels of activity in the  industry,  the cost of goods and  services
have continued to  rise, and they  have become harder to obtain. Thus, a portion
of the projects  budgeted in the fourth quarter were delayed and moved into 2001
due to delays in obtaining  equipment and services.  Subject to the availability
of equipment  and personnel  and assuming  that  commodity  prices and cash flow
remain strong, it is likely that the Company will add additional projects to its
budget  during  2001 as  current  budget  totals are below  projected  cash flow
levels.  In addition,  with costs  continuing to rise, it is probable that there
will be some increases in the budget solely due to cost inflation.

       At the Company's  current  capital  spending  levels and with the current
level of  commodity  prices,  the Company  anticipates  that during 2001 it will
increase its average  production rate  approximately 34% when compared to 2000's
average  production.  The Company  has  purchased  "puts" or floors  which cover
approximately   80%  of  its  expected   2001   production   (see  "Market  Risk
Management"),  which  helps  assure  that a majority  of the  Company's  capital
program can be  implemented  and that it can achieve a minimum rate of return on
its recent  acquisitions,  provided  that its other  assumptions  related to the
recent acquisitions are correct. Therefore,  although the level of the Company's
projected  cash  flow  is  highly  variable  and  difficult  to  predict  due to
volatility in product prices, the success of its drilling and developmental work
and other  factors,  the  Company  currently  does not expect  its 2001  capital
spending  program  to use all of the cash flow  generated  from  operations  and
expects to use the excess cash flow to reduce  bank debt during the year,  or to
partially fund any acquisitions.

       The  Company  is  also  continuing  to  pursue   acquisitions  which,  if
accomplished,  should be accretive to the Company's operating results. There can
be no assurance that suitable  acquisitions  will be identified in the future or
that such  acquisitions  will be successful in achieving  desired  profitability
objectives.  Though the Company has a significant  inventory of development  and
exploration  projects  in-house,  on a  long-term  basis the  Company  will need
acquisitions  to replace its  production.  The Company's  future growth could be
limited  or even  eliminated  if the  Company  is  unable to  complete  suitable
acquisitions  or is unable to fund such  acquisitions  for an extended period of
time.

                           Sources and Uses of Funds

       During 2000, the Company spent approximately $73.7 million on exploration
and development activities and approximately $60.3 million on acquisitions.  The
exploration and development  expenditures  included  approximately $37.8 million
spent  on  drilling,  $8.5  million  of  geological,   geophysical  and  acreage
expenditures and $27.4 million spent on facilities and


Graph depicting the  Company's capital expenditures  during the last three years
(in millions of dollars):

                         1998      1999      2000
                         -----     -----     -----
Development               89.0     34.5       73.7
Acquisitions              13.7     20.5       60.3
                         -----     -----     -----
Total                    102.7     55.0      134.0
                         =====     =====     =====


                                      -25-


<PAGE>

recompletion  costs. These exploration and development  expenditures were funded
by cash flow from operations. The acquisitions were funded by both cash flow and
net  incremental  bank debt of $46.5  million (see also "Results of Operations -
2000 Acquisitions").

       During 1999, the Company spent approximately $34.5 million on exploration
and development activities and approximately $20.5 million on acquisitions.  The
exploration and development  expenditures  included  approximately  $8.6 million
spent  on  drilling,  $5.7  million  of  geological,   geophysical  and  acreage
expenditures and $20.2 million spent on facilities and recompletion costs. These
exploration and development expenditures were funded primarily by cash flow from
operations.  The acquisitions were funded by both cash flow and incremental bank
debt of $17.9 million.

       During 1998, the Company spent approximately $89.0 million on exploration
and development activities and approximately $13.7 million on acquisitions.  The
exploration and development  expenditures  included  approximately $53.0 million
spent  on  drilling,  $17.8  million  of  geological,  geophysical  and  acreage
expenditures and $18.2 million spent on recompletion  costs.  These expenditures
were  funded by bank debt  ($60.0  million),  cash flow from  operations  ($20.3
million)  and  cash  and  other  sources  ($22.4  million).  Of the  total  1998
expenditures  of  $102.7  million,  approximately  26%  or  $27  million  of the
development  expenditures were directed to long-term projects such as production
facilities,  waterflood  units,  and undeveloped  properties such as acreage and
seismic that were not expected to benefit the Company until 1999 or beyond.

       2001 CO2  ACQUISITION.  In February  2001,  the Company  acquired  carbon
dioxide  reserves,  production  and  associated  assets  for  $42  million.  The
acquisition  included ten producing CO2 wells and production  facilities located
near Jackson,  Mississippi,  and a 183-mile 20-inch  pipeline which is currently
transporting  CO2 to  Denbury's  tertiary  recovery  operations  at Little Creek
Field,  as well as to  commercial  customers.  As of March 1, 2001,  Denbury was
using  approximately  30  million  cubic  feet of CO2  per  day in its  tertiary
recovery  operations at Little Creek and selling  approximately 40 million cubic
feet of CO2 per day to commercial  customers in other  industries.  Ownership of
the CO2 and the related benefits of assured  availability and determinable cost,
make it easier for the Company to expand its  tertiary  recovery  operations  to
areas  around  Little Creek  Field,  and perhaps in time,  to other parts of the
state. The operating  results from these assets will be accounted for separately
from the Company's oil and gas operations.

RESULTS OF OPERATIONS

                                Operating Income

        During 2000, the Company set records for production,  revenue, cash flow
and net income.  This was made possible  primarily due to record high  commodity
prices and, to a lesser  extent,  due to record  production  levels.  Certain of
these statistics are set forth in the following chart.

                                      -26-


<PAGE>

<TABLE>
<CAPTION>

                                                                            Year Ended December 31,
- -----------------------------------------------------------------------------------------------------------
                                                                    2000              1999            1998
- -----------------------------------------------------------------------------------------------------------
<S>                                                        <C>               <C>              <C>
AVERAGE DAILY PRODUCTION VOLUME
     Bbls                                                          15,219            12,090          13,603
     Mcf                                                           37,078            27,948          36,605
     BOE(1)                                                        21,399            16,748          19,704

OPERATING REVENUES AND EXPENSES (THOUSANDS)
     Oil sales                                             $      130,898    $       57,713   $      51,080
     Natural gas sales                                             48,474            23,862          30,803
- -----------------------------------------------------------------------------------------------------------
          Total oil and natural gas revenues                      179,372            81,575          81,883
- -----------------------------------------------------------------------------------------------------------
      Lease operating costs                                        38,676            26,029          25,113
      Production taxes                                              8,051             3,662           4,049
- -----------------------------------------------------------------------------------------------------------
          Total production expenses                                46,727            29,691          29,162
- -----------------------------------------------------------------------------------------------------------

     Production netback                                    $      132,645    $       51,884   $      52,721
===========================================================================================================

UNIT PRICES-INCLUDING IMPACT OF HEDGES(2)
     Oil price per Bbl                                     $        23.50    $       13.08    $       10.29
     Gas price per Mcf                                               3.57             2.34             2.31

UNIT PRICES-EXCLUDING IMPACT OF HEDGES(2)
     Oil price per Bbl                                     $        25.89    $       15.03    $       10.29
     Gas price per Mcf                                               4.45             2.42             2.32
- -----------------------------------------------------------------------------------------------------------
NETBACK PER BOE (1)
     Oil and natural gas revenues                          $        22.90    $       13.34    $       11.38
- -----------------------------------------------------------------------------------------------------------

     Lease operating costs                                           4.94             4.25             3.49
     Production taxes                                                1.02             0.60             0.56
- -----------------------------------------------------------------------------------------------------------
          Total production expenses                        $         5.96    $        4.85    $        4.05
- -----------------------------------------------------------------------------------------------------------
<FN>
(1)  Barrel of oil equivalent using the ratio of one barrel of oil to six Mcf of
     natural  gas  ("BOE").
(2)  See also "Market Risk  Management"  below for  information  concerning  the
     Company's hedging transactions.

</FN>
</TABLE>

       PRODUCTION. In the fourth quarter of 2000, production volumes reached the
highest quarterly rate in the Company's history at 26,296 BOE/d. The 2000 annual
average of 21,399 BOE/d also set a new record high. The prior  quarterly high of
21,927  BOE/d  occurred in the second  quarter of 1998,  after which  production
volumes  decreased because of the sharp decline in oil prices in 1998, which led
to (i)  shutting in  uneconomic  wells,  (ii)  declines in existing  production,
particularly  from  horizontal  wells,  and (iii)  postponement  of several  oil
development projects due to low oil prices. These declines continued through the
first quarter of 1999,  after which oil prices began to increase and the Company
resumed its development  program. In addition,  in early 1999, the Company began
to experience a production  response from its Heidelberg  waterflood  units that
had been initiated during the prior years.  Since the first quarter of 1999, the
Company's average daily production has increased each quarter.



                                      -27-


<PAGE>

Graph depicting the Company's average daily production by quarter from 1997
through 2000 (MBOE per day):

                              1997                          1998
                  ---------------------------    ---------------------------
                    Q1     Q2     Q3     Q4        Q1     Q2     Q3     Q4
                  -----   ----   ----   -----    -----   ----   ----   -----
Oil                 7.2    7.5    8.1    8.7      14.7   15.6   12.8   11.3
Natural Gas         5.1    5.9    6.1    7.2       6.7    6.3    6.6    4.8
                  -----   ----   ----   -----    -----   ----   ----   -----
   Total           12.3   13.4   14.2   15.9      21.4   21.9   19.4   16.1
                  =====   ====   ====   =====    =====   ====   ====   =====


                              1999                          2000
                  ---------------------------    ---------------------------
                    Q1     Q2     Q3     Q4        Q1     Q2     Q3     Q4
                  -----   ----   ----   -----    -----   ----   ----   -----
Oil                10.3   11.5   12.5   14.0      14.4   14.8   15.4   16.3
Natural Gas         5.1    4.5    4.5    4.5       4.7    4.8    5.1   10.0
                  -----   ----   ----   -----    -----   ----   ----   -----
   Total           15.4   16.0   17.0   18.5      19.1   19.6   20.5   26.3
                  =====   ====   ====   =====    =====   ====   ====   =====


       The Company's recent  production  increases have primarily  resulted from
development and exploitation work on the Company's largest fields, combined with
occasional  acquisitions.  Since its December 1997 $202 million  acquisition  of
Heidelberg Field from Chevron,  the Company's largest acquisitions have been the
$4.9  million  acquisition  of King Bee  Field in May 1999,  the  $12.3  million
acquisition  of  Little  Creek  Field in  August  1999,  and the  $56.5  million
acquisitions  of Thornwell,  Porte Barre and Iberia Fields in the fourth quarter
of  2000  (see  "2000  Acquisitions"  below).  These  acquisitions   contributed
approximately  1,850 BOE/d (40%) of the 4,651 BOE/d  production  volume increase
between 1999 and 2000 and contributed  approximately  1,000 BOE/d of incremental
production in 1999.  The remaining  increase has resulted from  development  and
exploitation work, with the most significant  increases in the Company's largest
fields, Heidelberg, Lirette, and Little Creek Fields.

       The  Company  has  increased  production  each  quarter  on  its  largest
acquisition to date,  Heidelberg  Field.  At the time of acquisition in December
1997, this property was producing  approximately  2,800 BOE/d.  Production under
Denbury's  ownership has subsequently  averaged 3,760, 5,708 and 7,310 BOE/d for
1998,  1999 and 2000.  During 1998 the primary  emphasis  was to  implement  the
field's largest waterflood unit, the East Heidelberg Waterflood Unit, plus other
developmental drilling.  During 1999, the Company began to see response from its
waterflood efforts.  Production on the East Heidelberg Waterflood Unit went from
approximately 250 Bbls/d in the summer of 1998 to approximately  1,425 Bbls/d in
1999,  and to an  average of 1,775  Bbls/d for 2000.  The  Company  added  other
waterflood  units there  during 1999 and 2000 and also has expanded its drilling
for natural gas at Heidelberg in the Selma Chalk formation since the second half
of 1999.  As a result of this,  the natural gas  production  at  Heidelberg  has
increased  from 0.5  MMcf/d in 1998 to 1.0  MMcf/d in 1999 and to 3.8  MMcf/d in
2000.

       Another  significant  increase in production has come from Lirette Field,
which  increased  approximately  217 BOE/d between 1999 and 2000,  from 1,521 to
1,738 BOE/d,  although the increase was more pronounced in the fourth quarter of
2000.  During the fourth quarter of 2000,  production at Lirette  averaged 2,812
BOE/d after  production  commenced in late  September 2000 from a new discovery,
the Leon Hebert Heirs #1 (formerly the Fina Fee #1).

       Production  at Little Creek Field has also  increased  each quarter since
the Company  acquired it in August 1999. At the time of acquisition,  this field
was producing  approximately 1,350 BOE/d. The production has gradually increased
each  quarter to a 2,206  BOE/d  average  for the fourth  quarter of 2000 and an
annual  average of 2,018 BOE/d for 2000. The Company is continuing to expand its
tertiary  recovery  operations at Little Creek and  anticipates  that production
will continue to increase at this field until 2002 or 2003.

       2000  ACQUISITIONS.  During  the  fourth  quarter  of 2000,  the  Company
completed $56.5 million of acquisitions in the Thornwell, Porte Barre and Iberia
Fields located in  Southwestern  Louisiana.  The current daily  production  from
these  acquisitions is approximately 80% natural gas. These  acquisitions  added
estimated  net proved  reserves  of  approximately  23.4  billion  cubic feet of
natural gas equivalents (3.9 MMBOE) and contributed 1,162 BOE/d to the Company's
average production rate for 2000 and approximately



                                      -28-

<PAGE>

4,626 BOE/d to the 2000 fourth quarter average production  volumes.  In order to
help  protect its rate of return on these  acquisitions,  the Company  purchased
price floors (i.e. puts) at a cost of $2.5 million covering  approximately  100%
of the Company's forecasted proven natural gas production for 2001 and 2002 from
these fields (see "Market Risk Management").

       REVENUE.  Oil and natural gas revenues more than doubled between 1999 and
2000, after being relatively unchanged from 1998 to 1999. Between 1999 and 2000,
revenues  increased  120% as both  commodity  prices  and  production  increased
substantially.  Approximately  77% of the revenue increase between 1999 and 2000
is  attributable  to the  increase  in oil and natural gas prices and 23% of the
revenue  increase is attributable  to the Company's  higher  production  levels.
Between  1998 and  1999,  production  decreased  15%,  but oil and  natural  gas
revenues  declined less than 1% due to a 27% ($2.79 per Bbl) increase in the net
oil price, and a slight increase in natural gas prices.

Graph depicting the Company's average net oil price by year (dollars per Bbl):

     1998      1999      2000
     ----      ----      ----

     10.29     15.03     25.89


       Oil and natural gas revenues and net product prices were also impacted by
hedging gains and losses during the three years.  During 2000,  the Company lost
$13.3  million  ($2.39 per Bbl) on its oil hedges and $11.9  million  ($0.88 per
Mcf) on its natural gas hedges.  All of these hedges  expired as of December 31,
2000, and the Company does not currently have any hedges other than price floors
or  "puts"  in 2001 or  beyond.  Included  in the 1999 net oil  price is an $8.6
million  loss on oil  hedging  ($1.95  per Bbl).  The  Company  also  realized a
$126,000  loss on its natural gas hedges and expensed  $672,000  that it paid to
reduce the amount of its gas hedge for November  1999 through  December  2000 by
six MMBtu/d (see also "Market Risk Management").

Graph depicting the Company's average net gas price by year (dollars per Mcf):

     1998      1999      2000
     ----      ----      ----

     2.31      2.34      3.57



       OPERATING EXPENSES.  Between 1999 and 2000, the total of production taxes
and operating expenses increased 57% (23% on a per BOE basis),  primarily due to
an increase in production  taxes related to higher product prices,  the addition
of Little  Creek  Field  during  the third  quarter  of 1999  (which  has higher
operating  costs per barrel due to tertiary  recovery  operations),  and overall
increases  in the  number of wells and in the cost of  equipment  and  services.
Operating  costs at Little  Creek Field  averaged  $12.45 and $11.89 per BOE for
1999 and 2000,  almost double the average for such costs on the Company's  other
properties.  Operating  expenses  are  expected  to remain  high on this  field,
particularly  for the next year or two, as the Company is initiating  additional
phases  of  tertiary  recovery.  Over the life of the  property,  the  operating
expenses  are expected to average  approximately  $2 to $4 per BOE less than the
current  levels as the Company should be able to recover and recycle more carbon
dioxide in the future.  Overall,  production and operating expenses are expected
to  continue  to  increase  during  2001 due to the  rising  costs of goods  and
services in the industry.

       Between  1998 and 1999  operating  expenses  were  relatively  unchanged,
although the cost per BOE increased 20% between the two years due to declines in
average production levels.  Increases were more pronounced in the fourth quarter
of 1999,  when  operating  costs  averaged  $5.56 per BOE. This increase was the
result of several wells being returned to production,  an increase in production
taxes related to higher product  prices,  and the addition of Little Creek Field
during the third quarter of 1999.

                                      -29-

<PAGE>

       Operating  expenses  per BOE on the  Heidelberg  Field have been  between
$5.00 and $6.50 per BOE since the Company  acquired  the field in late 1997.  At
the time of  acquisition,  operating  expenses on the field were averaging $6.38
per BOE.  Since that time,  operating  expenses have averaged  $5.04,  $5.12 and
$6.33 per BOE for 1998, 1999 and 2000, respectively.  The initial savings were a
result of general cost saving measures,  the shut-in of wells during the drop in
oil  prices  in  1998,  and  increased  productivity  per well  through  overall
production increases. These savings were offset in 2000 by the increased cost of
waterflood  operations  as several wells were  returned to  production,  shut-in
wells were put back on production, the number of productive wells increased, and
goods and services became more costly as commodity prices have increased.

                      General and Administrative Expenses

       On a BOE basis,  G&A expenses  decreased 10% between 1999 and 2000 due to
increased  production levels, even though net G&A expense increased 16%. Between
1998 and 1999,  G&A expenses  increased 19% on a BOE basis,  largely  related to
decreases in production levels, as the net G&A expense between the two years was
almost  identical.  In  general,  G&A  expenses  have  increased  along with the
Company's growth.

<TABLE>
<CAPTION>

                                                               Year Ended December 31,
- ------------------------------------------------------------------------------------------------
G&A Expenses                                            2000              1999            1998
- ------------------------------------------------------------------------------------------------
<S>                                              <C>                 <C>             <C>
Gross G&A expense (thousands)                    $       24,941      $   20,119      $    18,962
State franchise taxes                                       467             346              785
Operator overhead charges                               (13,684)        (10,278)          (9,749)
Capitalized exploration expense                          (3,202)         (2,812)          (2,657)
- ------------------------------------------------------------------------------------------------
     Net G&A expense                             $        8,522      $    7,375      $     7,341
- ------------------------------------------------------------------------------------------------

Average G&A expense per BOE                      $         1.09      $     1.21      $      1.02

Employees as of December 31                                 242             220              205
- ------------------------------------------------------------------------------------------------
</TABLE>

       Generally, the Company was very active during the first part of 1998, but
then significantly reduced its field expenditures and activity during the second
half of 1998 due to the  decline in oil prices.  The  activity  level  gradually
resumed  in 1999 as oil  prices  rebounded.  Between  1998 and 1999,  the single
largest component of the increase in gross G&A expenses was the reinstatement of
a bonus  accrual in the third  quarter  of 1999,  as no bonus  accrual  was made
during  the  last  half of  1998 or the  first  half  of 1999  due to  depressed
commodity prices and corresponding poor financial results.  Also contributing to
the G&A  increases  in 1999  were  higher  consultant  fees as a  result  of the
increased  activity and higher rent expense as a result of an increase in office
space and the expiration of a below-market  lease in May 1999. These same items,
as well as a general increase in activity level,  caused a 24% increase in gross
expenses  between 1999 and 2000. In addition,  overall costs have also increased
across the entire  industry  as demand for  personnel,  goods and  services  has
increased.

       Another  significant  factor  affecting  net G&A expense is the amount of
well  overhead  charged  during  the  period.   The  respective  well  operating
agreements  allow the Company,  when it is the  operator,  to charge a specified
overhead rate during the drilling  phase and to charge a monthly fixed  overhead
rate for each  producing  well.  As a result of the  resumption  of  development
activity in 1999 as compared to 1998,  this  recovery of G&A  increased to $10.3
million in 1999 from $9.7 million in 1998. In 2000,  the amount  recovered  from
operator's  overhead charges increased even further to $13.7 million as a result
of acquisitions and increased  drilling  activity.  As a result, net G&A expense
increased only 16% between 1999 and 2000 even though gross G&A expense increased
24%.

                                      -30-


<PAGE>



                                      Interest and Financing Expenses

<TABLE>
<CAPTION>

                                                                    Year Ended December 31,
- ---------------------------------------------------------------------------------------------------------
Amounts in Thousands Except Per BOE Data                     2000               1999              1998
- ---------------------------------------------------------------------------------------------------------
<S>                                                   <C>                <C>                <C>
Interest expense                                      $        15,255    $       15,795     $      17,534
Non-cash interest expense                                        (945)             (834)             (627)
- ---------------------------------------------------------------------------------------------------------
Cash interest expense                                          14,310            14,961            16,907
Interest and other income                                      (2,279)           (1,415)           (1,623)
- ---------------------------------------------------------------------------------------------------------
     Net cash interest expense                        $        12,031    $       13,546     $      15,284
- ---------------------------------------------------------------------------------------------------------

Average net cash interest expense per BOE             $          1.54    $         2.22     $        2.13

Average debt outstanding                              $       160,884    $      172,010     $     205,087

Average interest rate (1)                                         8.9%              8.7%              8.2%
- ---------------------------------------------------------------------------------------------------------
<FN>

(1) Includes commitment fees but excludes amortization of debt issue costs.

</FN>
</TABLE>


       In 1999,  the Company  began the year with $225 million of total debt and
further  increased this to $234.6 million by the end of the first quarter.  This
debt was reduced by $100 million in April 1999 with the  proceeds  from the sale
of common shares to affiliates of the Texas Pacific Group.  An additional  $17.9
million was borrowed during the second and third quarters to fund  acquisitions,
bringing  total bank debt to $27.5  million as of December  31,  1999,  or total
outstanding  debt of $152.5  million  after  inclusion of the $125 million of 9%
Senior Subordinated Notes issued in 1998. The net result was an average level of
debt that was 16% lower in 1999 than in 1998.  This was  partially  offset by an
increase in interest rates during the year,  resulting in an overall decrease of
11% in net cash interest  expense.  On a BOE basis,  net cash  interest  expense
increased slightly (4%) between 1998 and 1999 as a result of the overall decline
in production between the two years.

     During 2000, the Company made small  reductions in its bank debt during the
first three quarters,  reducing total debt outstanding from $152.5 million as of
December 31, 1999 to $146 million as of  September  30, 2000.  During the fourth
quarter of 2000, the Company borrowed $61 million to fund property  acquisitions
(see "2000  Acquisitions"  above) and to purchase  floors or "puts" for 2001 and
2002 (see "Market Risk Management"). In December 2000 the Company paid back $8.0
million of its bank debt,  ending the year with $199 million of  long-term  debt
outstanding.  The net  effect was a 6%  average  lower  level of debt in 2000 as
compared to 1999,  although  the debt was at slightly  higher  average  interest
rates. The Company generated  $864,000 of incremental  interest and other income
during 2000 as a result of the higher cash flow levels which also helped  reduce
the net cash interest expense.  Overall, the Company had an 11% reduction in net
cash interest  expense between 1999 and 2000 with a 31% reduction on a BOE basis
due to the increase in production levels during 2000.

                                      -31-


<PAGE>



                  Depletion, Depreciation and Site Restoration

       Depletion,  depreciation and amortization ("DD&A") decreased between 1998
and 1999 as a result of the reduced oil and gas property  basis  resulting  from
the full cost pool  writedowns  in 1998 and the  increase in reserve  quantities
during 1999. Conversely,  DD&A expense increased between 1999 and 2000 primarily
as a result of the  acquisitions  made during 2000 at a higher than average cost
per BOE.

<TABLE>
<CAPTION>

                                                                      Year Ended December 31,
- --------------------------------------------------------------------------------------------------------
Amounts in Thousands Except Per BOE Data                        2000             1999           1998
- --------------------------------------------------------------------------------------------------------
<S>                                                         <C>              <C>             <C>
Depletion and depreciation                                  $     34,530     $     24,277    $    50,820
Site restoration provision                                           560              384            419
Depreciation of other fixed assets                                 1,124              854            995
- --------------------------------------------------------------------------------------------------------
     Total DD&A                                             $     36,214     $     25,515    $    52,234
- --------------------------------------------------------------------------------------------------------

Average DD&A cost per BOE                                   $       4.62     $       4.17    $      7.26
Writedown of oil and gas properties                                    -                -        280,000
- --------------------------------------------------------------------------------------------------------
</TABLE>

       As a result of higher  oil  prices,  the  Company's  proved  oil  reserve
quantities and values changed  significantly between year-end 1998 and 1999. Oil
price impacts reserve quantities due to the effect on a well's economic life and
the  economics  of proved  undeveloped  locations.  The oil  prices  used in the
December 31, 1998  reserve  report were based on a NYMEX oil price of $12.00 per
Bbl,  with  these  representative  prices  adjusted  by field to  arrive  at the
appropriate  corporate net price in accordance  with the rules of the Securities
and Exchange  Commission  ("SEC").  The oil prices used in the December 31, 1999
reserve  report were based on a NYMEX oil price of $25.60 per Bbl, as  adjusted.
The  dramatic  change in  year-end  oil  prices  caused an  increase  in reserve
quantities  in 1999 solely due to prices of 15.8 million BOE. In addition to the
increased  reserves due to prices, the Company also added 14.2 MMBOE during 1999
from acquisitions, other development work, and upward revisions. In summary, the
Company's  total proved  reserves  increased 65%, from 36.4 MMBOE as of December
31, 1998 to 60.2 MMBOE as of December  31,  1999,  a  significant  factor in the
reduction  of DD&A.  When coupled  with the full cost pool  writedowns  in 1998,
which  lowered the cost basis of the  Company's  oil and gas  properties,  these
factors  resulted  in a decrease in DD&A from $7.26 per BOE in 1998 to $4.17 per
BOE in 1999.

       Between  1999 and 2000,  the NYMEX oil price used for the reserve  report
only slightly increased from $25.60 as of December 31, 1999 to $26.80 per Bbl as
of December 31, 2000,  although  natural gas prices  increased almost five fold,
from $2.12 per Mcf in 1999 to $9.78 in 2000.  However,  since the economic lives
of most of the Company's  natural gas  properties are generally not as sensitive
to changes in commodity  price,  this change in price only  increased the proved
reserve  quantities by 730,000 BOE between the two  respective year-ends. During
2000, the Company also added 34.9 MMBOEs from  acquisitions,  other  development
work, and upward  revisions.  Consequently,  the Company's  total proved reserve
quantities  increased  45% from 60.2 MMBOE as of December 31, 1999 to 87.4 MMBOE
as of December 31, 2000.

       The DD&A  rate  increase  from  $4.17 per BOE in 1999 to $4.62 per BOE in
2000 was  primarily  a result of the  acquisition  of  properties  in the fourth
quarter  of  2000  at a  higher  than  average  cost  per BOE  (see  also  "2000
Acquisitions" above). Due to high commodity prices, the average acquisition cost
in 2000 of $11.94 per BOE was  significantly  higher than the Company's  average
historical  acquisition  or finding  cost per BOE and higher  than the 1999 DD&A
rate per BOE. Even though these acquisitions had a high cost per BOE, the

                                      -32-


<PAGE>



Company  expects a good rate of return on these  properties.  In  addition,  the
Company has protected its downside by purchasing price floors to protect against
certain  levels  of  unforeseen  commodity  price  weakness  (see  "Market  Risk
Management").

       Fluctuations  in  commodity  prices  also  significantly  impact  reserve
values.  Under full cost accounting  rules, the Company is required each quarter
to perform a ceiling test calculation. In determining the limitation on property
carrying  values,  SEC  accounting  rules require the  discounting  of estimated
future net revenues before income taxes from its proved reserves at 10% per year
using unescalated current prices ("PV10 Value"). The PV10 Value of the Company's
proved  reserves was $115  million as of December  31, 1998,  $463 million as of
December 31, 1999,  and $1.16  billion as of December 31, 2000 ($559  million at
December 31, 2000 using December 31, 1999 prices).  Due to the significant  drop
in PV10 Value in 1998, the Company had full cost pool writedowns of $280 million
in 1998.  With the increase in commodity  prices in 1999 and 2000,  no writedown
was necessary during either of those years.

       The  Company  also  provides  for  the  estimated  future  costs  of well
abandonment  and  site  reclamation,  net  of  any  anticipated  salvage,  on  a
unit-of-production  basis.  This  provision  is included in DD&A expense and has
increased each year along with an increase in the number of properties  owned by
the Company.

                                  Income Taxes

       As a result of the  pre-tax  loss of $302.8  million  for the year  ended
December 31, 1998, a normal  deferred  income tax  provision for 1998 would have
resulted in a $96.4 million net deferred tax asset.  The Company fully  impaired
its $96.4  million net deferred tax asset based upon  management's  view at that
time  that it was more  likely  than not that the  Company  would not be able to
generate  sufficient  taxable  income to realize the benefit of its net deferred
tax asset.

       For the year ended  December 31, 1999,  a normal  deferred tax  provision
would have resulted in a deferred income tax provision of $1.7 million. However,
the Company  utilized a portion of its deferred tax asset and its  corresponding
valuation  allowance to offset this provision,  leaving a net deferred tax asset
as of December 31, 1999 of $95.1 million. Since the Company continued to believe
at that time that it was more likely than not that future  taxable  income would
not be sufficient to realize the benefit from the Company's deferred tax assets,
the deferred tax asset was left fully impaired.

       For the year ended  December 31, 2000,  the Company had taxable income of
$27.6  million,  but was able to offset this  income with its tax net  operating
loss carryforwards ("NOLs").  However, the Company did incur $558,000 of current
income tax expense during 2000  which related to alternative  minimum taxes that
could not be offset by NOLs.

     For the year ended  December 31, 2000,  a normal tax  provision  would have
resulted in income tax expense of $27.7 million. However, the Company utilized a
portion of its deferred tax assets and its corresponding  valuation allowance to
offset this provision.  The Company also  re-evaluated the remaining  balance of
$67.9  million  relating to its net  deferred tax asset as of December 31, 2000.
The  Company  concluded  that it is more  likely  than  not that  there  will be
sufficient  future  taxable income to be able to realize the tax benefits of its
deferred tax asset,  resulting in a deferred  tax benefit of $67.9  million.  In
reaching this conclusion,  the Company  considered  current  production  levels,
current  expectations  regarding  near-term oil and gas prices,  current hedging
positions,  anticipated capital expenditures, the estimated reversal of book and
tax temporary  differences,  available tax planning strategies and the Company's
expectations regarding future taxable income.

                                      -33-


<PAGE>



This  results in a net  deferred  tax asset  balance as of December  31, 2000 of
$67.9 million, none of which is impaired.

<TABLE>
<CAPTION>

                                                                        Year Ended December 31,
- --------------------------------------------------------------------------------------------------------
Amounts in Thousands Except Per Unit Amounts                        2000          1999           1998
- --------------------------------------------------------------------------------------------------------
<S>                                                            <C>              <C>           <C>
Current income tax expense                                     $        558     $       -     $        -
Deferred income tax benefit                                         (67,852)            -        (15,620)
- --------------------------------------------------------------------------------------------------------
     Total income tax benefit                                  $    (67,294)    $       -     $  (15,620)
- --------------------------------------------------------------------------------------------------------
Average income tax benefit per BOE                             $      (8.59)    $       -     $    (2.17)

Net operating loss carryforwards                                    112,690       139,859        118,619
- --------------------------------------------------------------------------------------------------------
Net deferred tax asset                                         $     67,852     $  95,137     $   96,402
Valuation allowance                                                       -       (95,137)       (96,402)
- --------------------------------------------------------------------------------------------------------
     Total net deferred tax asset                              $     67,852     $       -     $        -
- --------------------------------------------------------------------------------------------------------
</TABLE>


Results of Operations

As a result of the decline in product  prices in 1998 and an  associated  $280.0
million non-cash writedown  of its oil and natural gas  properties,  the Company
had a net loss of $287  million  in 1998.  Between  1998 and 1999,  even  though
production was down,  improved  product prices coupled with the reduced DD&A per
BOE resulted in net income of $4.6 million for the year as outlined below.  Cash
flow from  operations,  before  changes in working  capital  balances,  was only
slightly higher (5%) in 1999 as compared to 1998, as the improved product prices
were almost offset by the decreased  production level. Between 1999 and 2000, as
a result of the significant  increases in both  production and commodity  prices
and the deferred tax benefit,  net income and cash flow increased  dramatically.
Each of the factors that  contributed to this increase are more fully  discussed
in the preceding paragraphs.

Graph depicting the  Company's cash flow  from operations by  quarter, excluding
the change in working capital items (in millions of dollars):

          1998                     1999                         2000
- -----------------------    ---------------------       ----------------------
 Q1    Q2    Q3    Q4      Q1    Q2    Q3    Q4         Q1    Q2    Q3    Q4
- ----   ---   ---   ---     ---   ---   ---  ----       ----  ----  ----  ----
11.5   9.1   6.8   2.8     2.5   6.6   9.5  13.0       19.6  21.3  27.5  43.2


<TABLE>
<CAPTION>

                                                                           Year Ended December 31,
- -----------------------------------------------------------------------------------------------------------
Amounts in Thousands Except Per Share Amounts                      2000            1999            1998
- -----------------------------------------------------------------------------------------------------------
<S>                                                            <C>            <C>              <C>
Net income (loss)                                              $    142,227   $        4,614   $  (287,145)
Net income (loss) per common share:
   Basic                                                       $       3.10   $         0.12   $    (11.08)
   Diluted                                                             3.07             0.12        (11.08)
Cash flow from operations (1)                                  $    111,555   $       31,619   $    30,096
- -----------------------------------------------------------------------------------------------------------
<FN>

(1)  Represents cash flow provided by operations, exclusive of the net change in
     non-cash working capital balances.
</FN>
</TABLE>

                                      -34-


<PAGE>

The following table  summarizes the cash flow, DD&A and results of operations on
a BOE basis for the comparative periods.  Each of the individual  components are
discussed above.

<TABLE>
<CAPTION>

                                                                          Year Ended December 31,
- ---------------------------------------------------------------------------------------------------------
Per BOE Data                                                         2000           1999          1998
- ---------------------------------------------------------------------------------------------------------
<S>                                                               <C>             <C>           <C>
  Oil and natural gas revenue                                     $   22.90       $  13.34      $  11.38
  Lease operating costs                                               (4.94)         (4.25)        (3.49)
  Production taxes                                                    (1.02)         (0.60)        (0.56)
- ---------------------------------------------------------------------------------------------------------
       Production netback                                             16.94           8.49          7.33
  General and administrative expense                                  (1.09)         (1.21)        (1.02)
  Net cash interest expense                                           (1.54)         (2.22)        (2.13)
  Current income taxes and other non-cash items                       (0.07)          0.11             -
- ---------------------------------------------------------------------------------------------------------
       Cash flow from operations (1)                                  14.24           5.17          4.18
  DD&A                                                                (4.62)         (4.17)        (7.26)
  Deferred income taxes                                                8.66              -          2.17
  Writedown of oil and natural gas properties                             -              -        (38.93)
  Other non-cash items                                                (0.12)         (0.25)        (0.09)
- ---------------------------------------------------------------------------------------------------------
      Net income (loss)                                           $   18.16       $   0.75      $ (39.93)
- ---------------------------------------------------------------------------------------------------------
<FN>

(1)  Represents cash flow provided by operations, exclusive of the net change in
     non-cash working capital balances.

</FN>
</TABLE>

                             Market Risk Management

       The  Company  uses  fixed and  variable  rate debt to  partially  finance
budgeted  expenditures.  These  agreements  expose the  Company  to market  risk
related  to  changes  in  interest  rates.  The  Company  does not hold or issue
derivative financial instruments for trading purposes.

       The  following  table  presents  the  carrying  and  fair  values  of the
Company's  debt  along  with  average  interest  rates.  The  fair  value of the
Company's bank debt is considered to be the same as the carrying value since the
interest rate is based on floating  short-term interest rates. The fair value of
the subordinated debt is based on quoted market prices.

<TABLE>
<CAPTION>

                                                           Expected Maturity Dates
- -----------------------------------------------------------------------------------------------------------------------
                                                                                                   Total         Fair
Amounts in Thousands                              2001-2002      2003     2004-2007     2008       Value        Value
- -----------------------------------------------------------------------------------------------------------------------
<S>                                                <C>        <C>         <C>        <C>          <C>         <C>
Variable rate debt:
     Bank debt...............................      $      -   $ 74,000    $       -  $        -   $  74,000   $  74,000
       The average interest rate on the bank debt at December 31, 2000 is 7.9%.

Fixed rate debt:
     Subordinated debt.......................      $      -   $      -    $       -  $  125,000   $ 125,000   $ 108,400
       The interest rate on the subordinated debt is a fixed rate of 9%.
</TABLE>


                                      -35-

<PAGE>



       The Company  also enters into  various  financial  contracts to hedge its
exposure to commodity  price risk  associated  with  anticipated  future oil and
natural gas production.  These  contracts  consist of price ceilings and floors,
no-cost collars and fixed price swaps.

       As of December  31,  1998,  the Company had no-cost  financial  contracts
("collars") in place that hedged a total of 40 MMcf/d through August 1999 and 30
MMcf/d  thereafter  through  December  2000.  The first set of  contracts  had a
weighted average ceiling price of  approximately  $2.95 per MMBtu and the second
set of contracts  had a ceiling price of $2.58 per MMBtu.  Both  contracts had a
floor  price of $1.90 per  MMBtu.  During the first  half of 1999,  the  Company
collected  $603,000 on these contracts,  but paid out $729,000 during the second
half of the year.  During the second half of 1999,  the Company also retired six
MMcf/d of the 30  MMcf/d  collar at a cost of  approximately  $672,000.  The net
out-of-pocket  cost  during  1999  on the  natural  gas  collars  was  $798,000,
including  the cost of the  buyouts.  During  2000,  the Company  paid out $11.9
million relating to these natural gas collars,  reducing the net average natural
gas price it received by $0.88 per Mcf.  All of the natural gas collars  expired
as of December 31, 2000.

       During  March and April  1999,  the Company  entered  into two collars to
hedge a portion of its oil production. The first contract was a fixed price swap
for 3,000  Bbls/d for the period of April  through  December  1999 at a price of
$14.24 per Bbl.  The second  contract was a collar to hedge 3,000 Bbls/d for the
period of May 1999  through  December  2000 with a floor price of $14.00 per Bbl
and a ceiling  price of $18.05 per Bbl.  The  Company  paid  approximately  $8.6
million on these  contracts  during 1999,  which  lowered the  effective net oil
price received by the Company for the year by $1.95 per barrel. During 2000, the
Company paid out $13.4 million  relating to these oil collars,  reducing the net
average oil price it received by $2.39 per Bbl.  All of the oil collars  expired
as of December 31, 2000.

       In the  aggregate,  the  Company  paid out a net  amount of $9.4  million
during 1999 and $25.3 million during 2000 on its commodity hedges.  All of these
contracts expired as of December 31, 2000.

       For the years 2001 and 2002, the Company  acquired puts or floors in 2000
to hedge a portion of its anticipated oil and natural gas production.  For 2001,
the Company  acquired a $22.00 floor on 12,800  Bbls/d and a $2.80 floor on 37.5
MMBtu/d  for  an  aggregate   cost  of  $2.6  million,   which   together  cover
approximately  75%  of  the  Company's  anticipated  production,  excluding  the
anticipated production from the acquisitions made in the fourth quarter of 2000.
At the time of signing the purchase and sale  agreements on these  acquisitions,
the  Company  purchased  puts or floors on the  anticipated  proven  natural gas
production  from these  properties  during 2001 and 2002. The floors relating to
the  acquisitions  cost a total of  approximately  $2.5 million and have varying
volume and price floors each quarter  for 2001 and 2002.  The price  floors vary
by quarter,  but have a weighted  average  price of $3.51 for 2001 and $3.23 for
2002.  The volumes on the floors also vary by quarter,  with a weighted  average
volume of 23.0  MMBtu/d for 2001 and 7.8 MMBtu/d for 2002.  If the prices on the
futures  market were to decline or increase 10% from those in effect at December
31,  2000,  there would be no cash flow impact to the Company as a result of the
put options. The Company has recorded the cost of these floors in either current
or long-term other assets in its  Consolidated  Balance Sheet as of December 31,
2000,  depending on their expiration dates. The fair value of these positions as
of December  31, 2000 was $6.7  million.  The  following  table lists all of the
individual floors in place as of December 31, 2000.

                                      -36-


<PAGE>



<TABLE>
<CAPTION>


                         Volume      Floor                                              Volume     Floor
             Period      Per Day     Price                              Period         Per Day     Price
          -----------------------------------                       ------------------------------------
<S>      <C>               <C>        <C>                             <C>                 <C>      <C>
 Oil Options or "puts" (Bbls/d):                             Gas Options or "puts" (MMBtu/d):
           2001            12,800     $22.00                          Q1 - 2002           5.3      $3.65
                                                                      Q1 - 2002           6.7      $3.07
 Gas Options or "puts" (MMBtu/d):                                     Q2 - 2002           3.8      $3.40
           2001              37.5      $2.80                          Q2 - 2002           4.4      $3.04
                                                                      Q3 - 2002           2.9      $3.38
         Q1 - 2001           11.5      $4.25                          Q3 - 2002           3.5      $2.99
         Q1 - 2001           15.1      $3.52                          Q4 - 2002           2.1      $3.38
         Q2 - 2001           10.5      $3.95                          Q4 - 2002           2.5      $2.93
         Q2 - 2001           13.9      $3.23
         Q3 - 2001           10.0      $3.70
         Q3 - 2001           13.0      $3.07
         Q4 - 2001            7.9      $3.56
         Q4 - 2001           10.4      $2.94

</TABLE>


                    Recently Issued Accounting Pronouncements

     In June 1998, the Financial Accounting Standards Board ("FASB") issued SFAS
No. 133,  "Accounting for Derivative  Instruments and Hedging  Activities." This
statement   establishes   accounting  and  reporting  standards  for  derivative
instruments and hedging activities. It requires that every derivative instrument
be  recorded on the balance  sheet as either an asset or  liability  measured at
fair value. The statement  requires that changes in the derivative's  fair value
be recognized  currently in earnings unless specific hedge  accounting  criteria
are met. If hedge accounting criteria are met, the change in a derivative's fair
value (for a cash flow hedge) is deferred in stockholders' equity as a component
of  comprehensive  income to the extent the hedge is effective.  These  deferred
gains and losses are  recognized in income in the period in which the hedge item
and hedging  instrument are settled.  The ineffective  portions of hedge returns
are recognized currently in earnings.

     SFAS No. 137,  issued in August 1999,  postponed for one year the mandatory
effective  date for SFAS No.  133,  to January 1, 2001.  In June 2000,  the FASB
issued SFAS No. 138, "Accounting for Certain Derivative  Instruments and Certain
Hedging Activities," as an amendment to SFAS No. 133.

     All derivatives  within the Company have been  identified.  The Company has
designated,  documented and assessed the hedging relationships, all of which are
cash flow  hedges.  Adoption  by the Company of this  accounting  standard as of
January 1, 2001 resulted in the recognition of $1.6 million of derivative assets
with a cumulative effect increase to other comprehensive income of approximately
$1.0 million after tax for the transition adjustment as of January 1, 2001.

                           Forward-Looking Information

     The  statements  contained in this Annual  Report on Form 10-K that are not
historical  facts,  including,  but not  limited  to,  statements  found in this
Management's  Discussion  and  Analysis of  Financial  Condition  and Results of
Operations,  are forward-looking  statements, as that term is defined in Section
21E of the  Securities  and  Exchange  Act of 1934,  as amended,  that involve a
number of risks and  uncertainties.  Such forward-looking  statements may  be or
may  concern,  among other  things,  capital  expenditures,  drilling  activity,
acquisition plans and proposals and dispositions,  development activities,  cost
savings, production efforts and

                                      -37-


<PAGE>



volumes, hydrocarbon reserves, hydrocarbon prices, liquidity, regulatory matters
and competition.  Such  forward-looking  statements generally are accompanied by
words   such  as  "plan,"   "estimate,"   "expect,"   "predict,"   "anticipate,"
"projected,"  "should,"  "assume,"  "believe"  or other  words  that  convey the
uncertainty of future events or outcomes.  Such  forward-looking  information is
based upon management's current plans,  expectations,  estimates and assumptions
and is subject to a number of risks and uncertainties  that could  significantly
affect current plans,  anticipated  actions,  the timing of such actions and the
Company's  financial  condition  and results of  operations.  As a  consequence,
actual results may differ materially from expectations, estimates or assumptions
expressed in or implied by any  forward-looking  statements made by or on behalf
of the  Company.  Among the factors  that could cause  actual  results to differ
materially are:  fluctuations of the prices received or demand for the Company's
oil and natural gas, the uncertainty of drilling results and reserve  estimates,
operating hazards, acquisition risks, requirements for capital, general economic
conditions,  competition  and government  regulations,  as well as the risks and
uncertainties  discussed in this annual report,  including,  without limitation,
the portions referenced above, and the uncertainties set forth from time to time
in the Company's other public reports, filings and public statements.

                                      -38-


<PAGE>



                          Independent Auditors' Report

To the Stockholders of Denbury Resources Inc.

We have audited the consolidated  balance sheets of Denbury Resources Inc. as of
December  31,  2000  and  1999  and  the  related  consolidated   statements  of
operations,  stockholders' equity (deficit) and cash flows for each of the three
years in the period  ended  December  31,  2000.  These  consolidated  financial
statements   are  the   responsibility   of  the   Company's   management.   Our
responsibility  is  to  express  an  opinion  on  these  consolidated  financial
statements based on our audits.

We conducted our audits in accordance with auditing standards generally accepted
in the  United  States of  America.  Those  standards  require  that we plan and
perform the audit to obtain  reasonable  assurance  about  whether the financial
statements are free of material misstatement.  An audit includes examining, on a
test basis,  evidence  supporting  the amounts and  disclosures in the financial
statements.  An audit also includes assessing the accounting principles used and
significant  estimates  made by  management,  as well as evaluating  the overall
financial  statement  presentation.   We  believe  that  our  audits  provide  a
reasonable basis for our opinion.

In our opinion,  such consolidated  financial  statements  present fairly in all
material respects, the financial position of the Company as of December 31, 2000
and 1999 and the  results of its  operations  and its cash flows for each of the
three years in the period ended December 31, 2000, in conformity with accounting
principles generally accepted in the United States of America.

/s/ Deloitte & Touche LLP

Dallas, Texas
February 22, 2001

                                      -39-


<PAGE>



Consolidated Balance Sheets

<TABLE>
<CAPTION>


AMOUNTS IN THOUSANDS OF U.S. DOLLARS                                               DECEMBER 31,
                                                                          ------------------------------
                                                                                2000            1999
                                                                          -------------    -------------
                                          ASSETS
CURRENT ASSETS
<S>                                                                       <C>              <C>
   Cash and cash equivalents...........................................   $      22,293    $      11,768
   Accrued production receivables......................................          37,527           15,836
   Trade and other receivables.........................................           5,739            2,942
   Other current assets................................................           4,305                -
   Deferred tax asset..................................................          28,126                -
                                                                          -------------    -------------
           Total current assets   .....................................          97,990           30,546
                                                                          -------------    -------------

PROPERTY AND EQUIPMENT (USING FULL COST ACCOUNTING)

   Oil and natural gas properties......................................         746,062          587,412
   Unevaluated oil and natural gas properties..........................          13,810           41,371
   Less accumulated depletion and depreciation.........................        (452,358)        (417,828)
                                                                          -------------    -------------
           Net property and equipment..................................         307,514          210,955
                                                                          -------------    -------------

OTHER ASSETS...........................................................          12,149           11,065

NONCURRENT DEFERRED TAX ASSET..........................................          39,726                -
                                                                          -------------    -------------

           TOTAL ASSETS................................................   $     457,379    $     252,566
                                                                          =============    =============
                           LIABILITIES AND STOCKHOLDERS' EQUITY

CURRENT LIABILITIES

   Accounts payable and accrued liabilities............................   $      26,628    $      18,042
   Oil and gas production payable......................................          12,158            7,120
                                                                          -------------    -------------
           Total current liabilities...................................          38,786           25,162
                                                                          -------------    -------------

LONG-TERM LIABILITIES

   Long-term debt......................................................         199,000          152,500
   Provision for site reclamation costs................................           2,770            1,820
   Other...............................................................             658              656
                                                                          -------------    -------------
           Total long-term liabilities.................................         202,428          154,976
                                                                          -------------    -------------

STOCKHOLDERS' EQUITY

   Preferred stock, $.001 par value, 25,000,000 shares authorized; none
       issued and outstanding..........................................               -                -
   Common stock, $.001 par value, 100,000,000 shares authorized;
       45,979,981 and 45,718,486 shares issued and outstanding at
       December 31, 2000 and December 31, 1999, respectively...........              46               46
   Paid-in-capital in excess of par....................................         329,339          327,829
   Accumulated deficit.................................................        (113,220)        (255,447)
                                                                          -------------    -------------
           Total stockholders' equity..................................         216,165           72,428
                                                                          -------------    -------------

           TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY..................   $     457,379    $     252,566
                                                                          =============    =============
</TABLE>

                 See Notes to Consolidated Financial Statements.

                                      -40-


<PAGE>

Consolidated Statements of Operations
<TABLE>
<CAPTION>


                                                                            YEAR ENDED DECEMBER 31,
                                                                 -------------------------------------------
AMOUNTS IN THOUSANDS EXCEPT PER SHARE AMOUNTS (U.S. DOLLARS)         2000            1999           1998
                                                                 -------------    -----------   ------------
<S>                                                              <C>              <C>           <C>
REVENUES
     Oil, natural gas and related product sales................. $     179,372    $    81,575   $     81,883
     Interest income and other..................................         2,279          1,415          1,623
                                                                 -------------    -----------   ------------
           Total revenues.......................................       181,651         82,990         83,506
                                                                 -------------    -----------   ------------

EXPENSES
     Lease operating costs......................................        38,676         26,029         25,113
     Production taxes...........................................         8,051          3,662          4,049
     General and administrative.................................         8,055          7,029          6,556
     Interest...................................................        15,255         15,795         17,534
     Depletion and depreciation.................................        36,214         25,515         52,234
     Franchise taxes............................................           467            346            785
     Writedown of oil and natural gas properties................             -              -        280,000
                                                                 -------------    -----------   ------------
            Total expenses......................................       106,718         78,376        386,271
                                                                 -------------    -----------   ------------

Income (loss) before income taxes...............................        74,933          4,614       (302,765)
Income tax benefit..............................................        67,294              -         15,620
                                                                 -------------    -----------   ------------

NET INCOME (LOSS)............................................... $     142,227    $     4,614   $   (287,145)
                                                                 =============    ===========   ============

NET INCOME (LOSS) PER COMMON SHARE
     Basic...................................................... $        3.10    $      0.12   $     (11.08)
     Diluted....................................................          3.07           0.12         (11.08)


WEIGHTED AVERAGE COMMON SHARES OUTSTANDING
     Basic......................................................        45,823         39,928         25,926
     Diluted....................................................        46,352         39,987         25,926

</TABLE>








                 See Notes to Consolidated Financial Statements.

                                      -41-


<PAGE>



Consolidated Statements of Cash Flows
<TABLE>
<CAPTION>

                                                                                YEAR ENDED DECEMBER 31,
                                                                     ----------------------------------------
AMOUNTS IN THOUSANDS OF U.S. DOLLARS                                       2000         1999           1998
                                                                     ------------ -------------  ------------

CASH FLOW FROM OPERATING ACTIVITIES:
<S>                                                                  <C>          <C>            <C>
   Net income (loss)..............................................   $    142,227 $       4,614  $   (287,145)
       Adjustments needed to reconcile to net cash flow provided
         by operations:
       Depletion and depreciation.................................         36,214        25,515        52,234
       Deferred income taxes......................................        (67,852)            -       (15,620)
       Writedown of oil and natural gas properties................              -             -       280,000
       Other......................................................            966         1,490           627
                                                                     ------------ -------------  ------------
                                                                          111,555        31,619        30,096
   Changes in working capital items relating to operations:

       Accrued production receivables.............................        (21,691)      (10,341)        3,197
       Trade and other receivables................................         (2,797)       13,448        (1,028)
       Other assets...............................................         (5,109)            -             -
       Accounts payable and accrued liabilities...................          8,586         4,472       (11,046)
       Oil and gas production payable.............................          5,038         2,002          (934)
       Other liabilities..........................................            390             -             -
                                                                     ------------ -------------  ------------
NET CASH PROVIDED BY OPERATING ACTIVITIES.........................         95,972        41,200        20,285
                                                                     ------------ -------------  ------------

CASH FLOW USED FOR INVESTING ACTIVITIES:

       Oil and natural gas expenditures...........................        (73,736)      (34,479)      (88,978)
       Acquisition of oil and natural gas properties..............        (60,285)      (20,488)      (13,674)
       Net purchases of other assets..............................         (1,629)       (1,381)       (1,145)
       Increase in cash restricted for future site reclamation....           (322)       (2,347)            -
       Disposition of oil and gas properties......................          2,932           400             -
                                                                     ------------ -------------  ------------
NET CASH USED FOR INVESTING ACTIVITIES............................       (133,040)      (58,295)     (103,797)
                                                                     ------------ -------------  ------------

CASH FLOW FROM FINANCING ACTIVITIES:

       Bank repayments............................................        (14,500)     (100,000)     (200,000)
       Bank borrowings............................................         61,000        27,500        60,000
       Issuance of subordinated debt..............................              -             -       125,000
       Net proceeds from issuance of common stock.................          1,491       100,079        94,657
       Costs of debt financing....................................           (398)         (765)       (3,402)
       Other......................................................              -             -           (20)
                                                                     ------------ -------------  ------------
NET CASH PROVIDED BY FINANCING ACTIVITIES.........................         47,593        26,814        76,235
                                                                     ------------ -------------  ------------

NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS..............         10,525         9,719        (7,277)

Cash and cash equivalents at beginning of year....................         11,768         2,049         9,326
                                                                     ------------ -------------  ------------

CASH AND CASH EQUIVALENTS AT END OF YEAR..........................   $     22,293 $      11,768  $      2,049
                                                                     ============ =============  ============

SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:

        Cash paid during the year for interest....................   $     13,936 $      15,805  $     11,821
        Cash paid during the year for income taxes................            275             -             -

</TABLE>

                 See Notes to Consolidated Financial Statements.

                                      -42-


<PAGE>



Consolidated Statement of Changes in Stockholders' Equity (Deficit)

<TABLE>
<CAPTION>

                                                                         PAID-IN          RETAINED
                                                                       CAPITAL IN         EARNINGS
                                               COMMON STOCK             EXCESS OF       (ACCUMULATED
                                            ($.001 PAR VALUE)              PAR            DEFICIT)          TOTAL
                                       ----------------------------   -------------   -----------------  -----------
DOLLAR AMOUNTS IN THOUSANDS OF U.S.
        DOLLARS                            Shares         Amount
                                       --------------  ------------
<S>                                    <C>             <C>            <C>             <C>                <C>
BALANCE - JANUARY 1, 1998                  20,388,683  $         20   $     133,119   $          27,084  $   160,223
                                       --------------  ------------   -------------   -----------------  -----------
Issued pursuant to employee stock
    option plan........................       132,256             -             954                   -          954
Issued pursuant to employee stock
    purchase plan......................       101,561             -           1,139                   -        1,139
Conversion of warrants.................       625,000             1           4,624                   -        4,625
Public placement of common stock.......     5,554,180             6          87,933                   -       87,939
Net loss...............................             -             -               -            (287,145)    (287,145)
                                       --------------  ------------   -------------   -----------------  -----------
BALANCE - DECEMBER 31, 1998                26,801,680            27         227,769            (260,061)     (32,265)
                                       --------------  ------------   -------------   -----------------  -----------

Issued pursuant to employee stock
    purchase plan......................       363,930             -           1,544                   -        1,544
Sale of common stock to TPG............    18,552,876            19          98,516                   -       98,535
Net income.............................             -             -               -               4,614        4,614
                                       --------------  ------------   -------------   -----------------  -----------
BALANCE - DECEMBER 31, 1999                45,718,486            46         327,829            (255,447)      72,428
                                       --------------  ------------   -------------   -----------------  -----------

Issued pursuant to employee stock
    option plan........................        40,458             -             186                   -          186
Issued pursuant to employee stock
     purchase plan.....................       218,493             -           1,305                   -        1,305
Issued pursuant to directors
     compensation plan.................         2,544             -              19                   -           19
Net income.............................             -             -               -             142,227      142,227
                                       --------------  ------------   -------------   -----------------  -----------
BALANCE - DECEMBER 31, 2000                45,979,981  $         46   $     329,339   $        (113,220) $   216,165
                                       ==============  ============   =============   =================  ===========

</TABLE>





                 See Notes to Consolidated Financial Statements.

                                      -43-


<PAGE>


Notes to Consolidated  Financial  Statements
Years Ended December 31, 2000, 1999 and 1998

                     NOTE 1. SIGNIFICANT ACCOUNTING POLICIES

                      Organization and Nature of Operations

Denbury Resources Inc.  ("Denbury" or the "Company") is a Delaware  corporation,
organized under Delaware  General  Corporation  Law, engaged in the acquisition,
development,  operation and exploration of oil and gas  properties.  The Company
operates as one business segment,  with its operating  activities related to the
exploration,  development and production of oil and natural gas in the U.S. Gulf
Coast region.

                    Principles of Reporting and Consolidation

The consolidated  financial  statements  herein have been prepared in accordance
with generally accepted accounting  principles ("GAAP") in the United States and
include  the  accounts of the  Company  and its  subsidiaries,  all of which are
wholly owned.  All material  intercompany  balances and  transactions  have been
eliminated.

                         Oil and Natural Gas Operations

A) CAPITALIZED COSTS. The Company follows the full-cost method of accounting for
oil and  natural  gas  properties.  Under  this  method,  all costs  related  to
acquisitions,  exploration  and  development of oil and natural gas reserves are
capitalized and accumulated in a single cost center  representing  the Company's
activities undertaken exclusively in the United States. Such costs include lease
acquisition  costs,  geological and geophysical  expenditures,  lease rentals on
undeveloped  properties,  costs of  drilling both  productive and non-productive
wells and general and  administrative  expenses  directly related to exploration
and  development  activities and do not include any costs related to production,
general  corporate  overhead  or  similar  activities.  Proceeds  received  from
disposals are credited against accumulated costs except when the sale represents
a significant disposal of reserves, in which case a gain or loss is recognized.

B) DEPLETION  AND  DEPRECIATION.  The costs  capitalized,  including  production
equipment,  are depleted or depreciated on the unit-of-production  method, based
on proved oil and natural gas reserves as  determined by  independent  petroleum
engineers.  Oil and natural gas reserves are converted to equivalent units based
upon the relative energy content which is six thousand cubic feet of natural gas
to one barrel of crude oil.

C) SITE  RECLAMATION.  Estimated  future  costs  of well  abandonment  and  site
reclamation,  including the removal of production facilities at the end of their
useful life, are provided for on a unit-of-production  basis. Costs are based on
engineering  estimates of the anticipated method and extent of site restoration,
valued at year-end  prices,  net of estimated  salvage value,  and in accordance
with the current  legislation and industry  practice.  The annual  provision for
future site reclamation costs is included in depletion and depreciation  expense
and reported under long-term  liabilities in the Consolidated  Balance Sheets as
"Provision for site reclamation costs."

D) CEILING TEST. The net capitalized costs of oil and gas properties are limited
to the lower of  unamortized  cost or the cost center  ceiling.  The cost center
ceiling is defined as the sum of (i) the present  value of estimated  future net
revenues from proved reserves (discounted at 10%), based on unescalated year-end
oil and  natural  gas  prices;  (ii)  plus  the  cost of  properties  not  being
amortized;  (iii) plus the lower of cost or  estimated  fair  value of  unproved
properties  included in the costs being  amortized,  if any;  (iv) less  related
income tax effects.

E) JOINT INTEREST OPERATIONS. Substantially all of the Company's oil and natural
gas  exploration  and production  activities are conducted  jointly with others.
These financial statements reflect only the Company's  proportionate interest in
such  activities  and any amounts due from other  partners are included in trade
receivables.



                                      -44-


<PAGE>


Notes to Consolidated Financial Statements
Years Ended December 31, 2000, 1999 and 1998


                                 Restricted Cash

At December 31, 2000 and 1999,  the Company had  approximately  $2.7 million and
$2.3 million,  respectively,  of restricted  cash held in escrow for future site
reclamation  costs.  This  restricted  cash is included  in Other  Assets in the
Consolidated Balance Sheets.

                       Net Income (Loss) Per Common Share

Basic net income or loss per common share is computed by dividing the net income
or loss  attributable to common  stockholders by the weighted  average number of
shares of common stock outstanding during the period. Diluted net income or loss
per common share is calculated in the same manner, but also considers the impact
to net income and common shares for the potential  dilution from stock  options,
stock warrants and any other outstanding convertible securities.

The following is a reconciliation  of the numerator and denominator used for the
computation of basic and diluted net income or loss per common share.

<TABLE>
<CAPTION>

                                                             YEAR ENDED DECEMBER 31,
                                                  ---------------------------------------------
AMOUNTS IN THOUSANDS EXCEPT PER SHARE DATA              2000            1999           1998
                                                  -------------   -------------   -------------
<S>                                               <C>             <C>             <C>
Net income (loss)...............................  $     142,227   $       4,614   $   (287,145)
                                                  =============   =============   =============

Weighted average common shares - basic..........         45,823          39,928         25,926

Effect of diluted securities:
        Stock options...........................            529              59              -
                                                  -------------   -------------   -------------
Weighted average common shares - diluted........         46,352          39,987         25,926
                                                  =============   =============   =============

Net income (loss) per common share
        Basic...................................  $        3.10   $        0.12   $     (11.08)
        Diluted.................................           3.07            0.12         (11.08)
                                                  =============   =============   =============
</TABLE>

For the years ended December 31, 2000 and 1999, approximately 1.6 million shares
of common  stock under  options  were  excluded  from the diluted net income per
share computation as the exercise price exceeded the average market price of the
Company's common stock. Warrants representing 75,000 shares of common stock were
also  excluded  from the 1999  diluted net income per share  computation  as the
exercise price exceeded the average market price of the Company's  common stock.
For the year ended December 31, 1998, all dilutive securities were excluded from
the  calculation  of diluted  loss per share,  as their  effect  would have been
anti-dilutive.

                             Statement of Cash Flows

For  purposes of the  Statement  of Cash Flows,  cash  equivalents  include time
deposits,   certificates  of  deposit  and  all  liquid  debt  instruments  with
maturities at the date of purchase of three months or less.

                               Revenue Recognition

Revenue is recognized at the time oil and natural gas is produced and sold.  Any
amounts  due from  purchasers  of oil and  natural  gas are  included in accrued
production receivables.

The Company follows the "sales method" of accounting for its oil and natural gas
revenue,  whereby the Company recognizes sales revenue on all oil or natural gas
sold to its purchasers, regardless of whether the sales are proportionate to the
Company's  ownership in the  property.  A receivable  or liability is recognized
only to the extent  that the  Company has an  imbalance  on a specific  property
greater than the expected remaining proved reserves. As of December 31, 2000 and
1999, the Company's  aggregate oil and natural gas imbalances  were not material
to its consolidated financial statements.

                                      -45-


<PAGE>


Notes to Consolidated Financial Statements
Years Ended December 31, 2000, 1999 and 1998


The Company  recognizes revenue and expenses of purchased  producing  properties
commencing  from the closing or agreement  date,  at which time the Company also
assumes control.

                                  Income Taxes

Income taxes are accounted for using the liability  method under which  deferred
income taxes are recognized for the tax consequences of "temporary  differences"
by  applying  enacted   statutory  tax  rates  applicable  to  future  years  to
differences  between the financial  statement carrying amounts and the tax basis
of existing assets and liabilities. The effect on deferred taxes for a change in
tax rates is  recognized  in income in the period that  includes  the  enactment
date.

                              Comprehensive Income

Effective January 1, 1998, the Company adopted Statement of Financial Accounting
Standards  ("SFAS") No. 130,  "Reporting  Comprehensive  Income." This statement
establishes  standards for reporting of comprehensive  income and its components
in the financial  statements.  For the years ended  December 31, 2000,  1999 and
1998,  there were no  differences  between net income  (loss) and  comprehensive
income.

                Financial Instruments with Off-Balance-Sheet Risk
                        and Concentrations of Credit Risk

The Company's  product price hedging  activities  are described in Note 6 to the
consolidated   financial   statements.   The  Company   enters  into   financial
transactions  to  hedge  anticipated  future  production.  Hedge  accounting  is
utilized when there is a high degree of correlation  between price  movements in
the derivative and the underlying item designated as being hedged. The impact of
changes  in the  market  value of the  financial  transactions,  which  serve as
hedges,  is deferred until the related  physical  transaction is completed.  The
changes,  when recognized,  are included in oil and gas revenues. If a financial
transaction  that has been accounted for as a hedge is closed before the date of
the anticipated future  transaction,  the accumulated change in the value of the
financial  transactions  is deferred until the related  physical  transaction is
completed.  In the event it becomes likely that an anticipated  transaction will
not occur or that adequate  correlation  no longer exists,  hedge  accounting is
terminated and future changes in the fair value of the derivative are recognized
as gains or losses in the statement of operations. Credit risk relating to these
hedges  is  minimal   because  of  the  credit  risk   standards   required  for
counter-parties  and  monthly  settlements.  The Company  only has entered  into
hedging  contracts with large and  financially  strong companies.  See "Recently
Issued Accounting Pronouncements" below for information  regarding the Company's
adoption  of  new  accounting  rules  for  hedging   activities  and  derivative
instruments.

The Company's financial instruments that are exposed to concentrations of credit
risk consist primarily of cash equivalents, short-term investments and trade and
accrued production receivables in addition to the product price hedges discussed
above. The Company's cash equivalents and short-term investments represent high-
quality  securities  placed with various  investment  grade  institutions.  This
investment  practice limits the Company's  exposure to  concentrations of credit
risk. The Company's trade and accrued production receivables are dispersed among
various customers and purchasers;  therefore,  concentrations of credit risk are
limited.

Also,  the  Company's  more  significant  purchasers  are large  companies  with
excellent credit ratings.  If customers are considered a credit risk, letters of
credit are the primary security obtained to support lines of credit.

                       Fair Value of Financial Instruments

As of December 31, 2000 and 1999,  the carrying value of the Company's bank debt
and most other financial  instruments  approximates their fair market value. The
Company's  bank debt is based on a floating  interest  rate and thus  adjusts to
market as interest rates change. During 1998, the Company issued $125 million of
9% Senior  Subordinated  Notes due 2008. As of December 31, 2000 and 1999, these
notes had a market value of  approximately  $108.4  million and $113.8  million,
respectively,  based on quoted  market  prices.  The Company's  other  financial
instruments  are primarily cash, cash  equivalents,  short-term  receivables and
payables  which  approximate  fair value due to the nature of the instrument and
the relatively short maturities.

                                      -46-


<PAGE>


Notes to Consolidated Financial Statements
Years Ended December 31, 2000, 1999 and 1998

                                Use of Estimates

The preparation of financial  statements in conformity  with generally  accepted
accounting principles requires management to make estimates and assumptions that
affect the reported amount of certain assets, liabilities, revenues and expenses
as of and for the reporting period.  Estimates and assumptions are also required
in the  disclosure of contingent  assets and  liabilities  as of the date of the
financial statements. Actual results may differ from such estimates.

                    Recently Issued Accounting Pronouncements

In June 1998, the Financial  Accounting Standards Board ("FASB") issued SFAS No.
133,  "Accounting  for  Derivative  Instruments  and Hedging  Activities."  This
statement   establishes   accounting  and  reporting  standards  for  derivative
instruments and hedging activities. It requires that every derivative instrument
be  recorded on the balance  sheet as either an asset or  liability  measured at
fair value. The statement  requires that changes in the derivative's  fair value
be recognized  currently in earnings unless specific hedge  accounting  criteria
are met. If hedge accounting criteria are met, the change in a derivative's fair
value (for a cash flow hedge) is deferred in stockholders' equity as a component
of  comprehensive  income to the extent the hedge is effective.  These  deferred
gains and losses are  recognized in income in the period in which the hedge item
and hedging  instrument are settled.  The ineffective  portions of hedge returns
are recognized currently in earnings.

SFAS No.  137,  issued  in August  1999,  postponed  for one year the  mandatory
effective  date for SFAS No.  133,  to January 1, 2001.  In June 2000,  the FASB
issued SFAS No. 138, "Accounting for Certain Derivative  Instruments and Certain
Hedging Activities," as an amendment to SFAS No. 133.

All  derivatives  within the  Company  have been  identified.  The  Company  has
designated,  documented and assessed the hedging relationships, all of which are
cash flow  hedges.  Adoption  by the Company of this  accounting  standard as of
January 1, 2001 resulted in the recognition of $1.6 million of derivative assets
with a cumulative effect increase to other comprehensive income of approximately
$1.0 million after tax for the transition adjustment as of January 1, 2001.

                                      -47-
<PAGE>

Notes to Consolidated Financial Statements
Years Ended December 31, 2000, 1999 and 1998



                         NOTE 2. PROPERTY AND EQUIPMENT

       Unevaluated Oil and Natural Gas Properties Excluded From Depletion

Under full cost accounting,  the Company may exclude certain  unevaluated  costs
from the amortization base pending determination of whether proved reserves have
been  discovered  or  impairment  has  occurred.  A summary  of the  unevaluated
properties  excluded  from oil and natural gas  properties  being  amortized  at
December 31, 2000 and 1999 and the year in which they were incurred follows:



<TABLE>
<CAPTION>


                                           DECEMBER 31, 2000                              DECEMBER 31, 1999
                             ---------------------------------------------   -------------------------------------------
                             Costs Incurred During:                          Costs Incurred During:
                             ---------------------------------               ---------------------------------
                                2000        1999       1998       Total        1999         1998       1997      Total
                             ----------  ----------  ---------  ----------   ---------    ---------  ---------  --------
AMOUNTS IN THOUSANDS
<S>                          <C>         <C>         <C>        <C>          <C>          <C>        <C>        <C>
Property acquisition costs.. $   10,709  $      750  $      65  $   11,524   $   1,283    $   4,693  $  30,566  $ 36,542
Exploration costs...........      1,332         193        761       2,286       1,427        3,402          -     4,829
                             ----------  ----------  ---------  ----------   ---------    ---------  ---------  --------
    Total................... $   12,041  $      943  $     826  $   13,810   $   2,710    $   8,095  $  30,566  $ 41,371
                             ==========  ==========  =========  ==========   =========    =========  =========  ========
</TABLE>

Costs are  transferred  into the  amortization  base on an ongoing  basis as the
projects are evaluated and proved reserves established or impairment determined.
Pending  determination  of proved reserves  attributable to the above costs, the
Company cannot assess the future impact on the amortization rate. As of December
31, 2000,  approximately $10.0 million of the total unevaluated property balance
of $13.8  million  related  to the  Company's  purchase  of  Thornwell  Field in
Southwestern  Louisiana  in the  fourth  quarter  of  2000.  This  cost  will be
transferred into the amortization base as the undeveloped areas are tested.  The
Company  anticipates  that the  majority of this  activity  should be  completed
during 2001 and 2002.

               1998 Writedown of Oil and Gas Properties Resulting
                           From Full Cost Ceiling Test

Due to low oil prices in 1998,  the Company  incurred a writedown of its oil and
gas  properties  pursuant  to the full cost pool  ceiling  test  mandated by the
Securities and Exchange Commission.  As of June 30, 1998, the Company incurred a
$165 million writedown and as of December 31, 1998,  incurred an additional $115
million  writedown,  or a total of $280 million for the year ended  December 31,
1998.

                                Capitalized Costs

Capitalized general and administrative costs that directly relate to exploration
and development  activities were $3.2 million, $2.8 million and $2.7 million for
the years ended December 31, 2000, 1999 and 1998, respectively.

Amortization per BOE,  excluding the full cost pool writedown,  was $4.62, $4.17
and $7.26 for the years ended December 31, 2000, 1999 and 1998, respectively.

                                      -48-


<PAGE>


Notes to Consolidated Financial Statements
Years Ended December 31, 2000, 1999 and 1998



                NOTE 3. NOTES PAYABLE AND LONG-TERM INDEBTEDNESS

                                                           DECEMBER 31,
                                                   ----------------------------
                                                       2000            1999
                                                   ------------    ------------
AMOUNTS IN THOUSANDS

Senior bank loan................................   $     74,000    $     27,500
9% Senior Subordinated Notes due 2008...........        125,000         125,000
                                                   ------------    ------------
   Total long-term debt.........................   $    199,000    $    152,500
                                                   ============    ============

                                Senior Bank Loan

The Company has a credit facility with Bank of America,  as agent for a group of
seven other banks.  The credit facility is secured by  substantially  all of the
Company's  producing  oil and gas  properties  and matures on December 31, 2003.
This credit facility has several  restrictions  including,  among others:  (i) a
prohibition on the payment of dividends, (ii) a requirement for a minimum equity
balance,  (iii) a requirement to maintain positive working capital,  as defined,
(iv) a minimum  interest  coverage test and (v) a  prohibition  of most debt and
corporate  guarantees.  The  Company's  bank  credit  facility  provides  for  a
semi-annual redetermination of the borrowing base on April 1st and October 1st.

On October 13, 2000, the Company amended and restated its bank credit  facility.
Among other things,  this amendment (i) extended the maturity of the credit line
for one additional  year, to December 31, 2003, (ii) increased the interest rate
on the loan by increasing the LIBOR margin for Eurodollar loans by 0.25%,  (iii)
reduced the number of banks in the line by one and  re-allocated  the loan among
the remaining eight banks, and (iv) increased the Company's conforming borrowing
base from $60 million to $110 million.  In December  2000, at the request of the
Company,  the banks  conducted  an  additional  review of the  Company's  credit
facility and increased the borrowing base from $110 million to $150 million.

As of December 31, 2000,  the Company had $74.0  million  outstanding  under the
facility,  at a weighted average  interest rate of 7.9%,  $370,000 of letters of
credit  outstanding  and a borrowing  base of $150 million.  The next  scheduled
redetermination  of the  borrowing  base will be as of April 1,  2001,  based on
December 31, 2000 assets and proved reserves.

                                Subordinated Debt

On February 26, 1998, Denbury Management Inc. ("DMI"), a wholly owned subsidiary
of the Company at that time,  issued $125 million in aggregate  principal amount
of 9% Senior Subordinated Notes due 2008 which require only semi-annual interest
payments until  maturity.  In April 1999, DMI was merged into Denbury  Resources
Inc.,  which expressly  assumed all liabilities of DMI,  including the 9% Senior
Subordinated  Notes.  These notes  contain  certain  debt  covenants,  including
covenants  that  limit  (i)  indebtedness,   (ii)  certain  restricted  payments
including dividends, (iii) sale/leaseback  transactions,  (iv) transactions with
affiliates,  (v) liens,  (vi) asset sales and (vii) mergers and  consolidations.
The net proceeds to the Company from the debt offering were approximately $121.8
million, before offering expenses.

                                      -49-


<PAGE>


Notes to Consolidated Financial Statements
Years Ended December 31, 2000, 1999 and 1998

                         Indebtedness Repayment Schedule

The Company's indebtedness as of December 31, 2000 is repayable as follows:

AMOUNTS IN THOUSANDS
- -------------------------------------------------------
YEAR

2001.......................................$          -
2002.......................................           -
2003.......................................      74,000
2004.......................................           -
2005.......................................           -
Thereafter.................................     125,000
                                           ------------
         Total indebtedness................$    199,000
                                           ============

                              NOTE 4. INCOME TAXES

The Company's income tax provision (benefit) is as follows:

<TABLE>
<CAPTION>

                                                           YEAR ENDED DECEMBER 31,
                                                   ----------------------------------------
AMOUNTS IN THOUSANDS                                  2000           1999          1998
                                                   -----------    ----------    -----------
<S>                                                <C>             <C>          <C>
Current income tax expense
    Federal........................................$       558    $        -    $         -
    State..........................................          -             -              -
                                                   -----------    ----------    -----------
           Total current income tax expense........$       558    $        -    $         -
                                                   ===========    ==========    ===========
Deferred income tax benefit
    Federal........................................$   (67,852)   $        -    $   (15,620)
    State..........................................          -             -              -
                                                   -----------    ----------    -----------
           Total deferred income tax benefit.......$   (67,852)   $        -    $   (15,620)
                                                   ===========    ==========    ===========
               Total income tax benefit............$   (67,294)   $        -    $   (15,620)
                                                   ===========    ==========    ===========
</TABLE>

The  Company's  income  tax  benefit  for 2000 is  primarily  the  result of the
elimination of the Company's  valuation allowance on its net deferred tax assets
as of December 31, 2000.  The valuation  allowance on the Company's net deferred
tax assets was initially  recorded at December 31, 1998 and remained recorded at
December  31, 1999 based upon  management's  belief that it was more likely than
not that the Company would not be able to generate  sufficient taxable income to
realize the benefit of its net deferred tax assets. In reaching this conclusion,
management  considered both historical  results and its  expectations  regarding
future taxable income based on oil and gas pricing consistent with the Company's
long-term forecasting and anticipated levels of capital spending. As a result of
the  near-term  recovery  of oil and natural gas prices that began in the latter
part of 1999 and continued throughout 2000, the Company was able to generate net
income for 2000 and taxable income that utilized  approximately $27.2 million of
the Company's net operating losses. Based on current production levels,  current
expectations  regarding near-term oil and gas prices, current hedging positions,
anticipated  capital  expenditures,  the  estimated  reversal  of  book  and tax
temporary  differences,  available  tax planning  strategies  and the  Company's
expectations  regarding  future taxable  income,  management  concluded that the
valuation  allowance on its net deferred tax assets was no longer  necessary and
at December 31, 2000 eliminated the entire  valuation  allowance.  The Company's
current income tax expense in 2000 is for alternative minimum taxes that may not
be offset by net operating losses.

                                      -50-


<PAGE>

Notes to Consolidated Financial Statements
Years Ended December 31, 2000, 1999 and 1998


At December 31, 2000, the Company had net operating loss  carryforwards for U.S.
federal income tax purposes of  approximately  $112.7 million and  approximately
$47.7 million for alternative minimum tax purposes. The net operating losses are
scheduled to expire as follows:

                                              INCOME      ALTERNATIVE
AMOUNTS IN THOUSANDS                           TAX        MINIMUM TAX
- -----------------------------------------------------   ---------------
  YEAR

  2012   .................................$    20,200         $       -
  2018   .................................     70,777            32,157
  2019   .................................     21,713            15,585

Deferred  income  taxes relate to  temporary  differences  based on tax laws and
statutory rates in effect at the December 31, 2000 and 1999 balance sheet dates.
At December 31, 2000 and 1999, the Company's deferred tax assets and liabilities
were as follows:

                                                          DECEMBER 31,
                                                  ----------------------------
AMOUNTS IN THOUSANDS                                  2000            1999
                                                  -------------   ------------

Deferred tax assets:
     Loss carryforwards........................   $      41,695   $     51,748
     Basis difference of exploration and
         production assets.....................          26,144         43,883
     Tax credit carryover......................             558              -
Deferred tax liabilities:
     Other.....................................            (545)          (494)
                                                  -------------   ------------
Net deferred tax asset.........................          67,852         95,137
     Less: Valuation allowance.................               -        (95,137)
                                                  -------------   ------------
         Total net deferred tax asset..........   $      67,852   $          -
                                                  =============   ============


The Company's  income tax provision  (benefit) varies from the amount that would
result from applying the statutory income tax rate to income before income taxes
as follows:

<TABLE>
<CAPTION>

                                                                   YEAR ENDED DECEMBER 31,
                                                          -----------------------------------------
AMOUNTS IN THOUSANDS                                          2000          1999               1998
                                                          ------------  ------------  -------------
<S>                                                       <C>           <C>           <C>
Income tax provision (benefit) calculated using the
   statutory income tax rate............................. $     26,227  $      1,615  $    (105,968)
State income taxes and other.............................        1,616          (350)        (6,054)
Change in valuation allowance............................      (95,137)       (1,265)        96,402
                                                          ------------  ------------  -------------
      Total income tax benefit........................... $    (67,294) $          -  $     (15,620)
                                                          ============  ============  =============

</TABLE>

                                      -51-


<PAGE>


Notes to Consolidated Financial Statements
Years Ended December 31, 2000, 1999 and 1998

                          Note 5. Stockholders' Equity

                                   Authorized

The Company is authorized to issue 100 million shares of Common Stock, par value
$.001 per share,  and 25 million shares of Preferred  Stock, par value $.001 per
share.  The preferred shares may be issued in one or more series with rights and
conditions determined by the board of directors.

                  1999 Sale of Stock to the Texas Pacific Group

In April 1999, the stockholders approved the sale of 18,552,876 shares of common
stock to an affiliate  of the Texas  Pacific  Group  ("TPG") for $100 million or
$5.39  per  share.  As a result  of this  transaction,  TPG's  ownership  of the
Company's   outstanding   common  stock  increased  from  approximately  32%  to
approximately  60%.  The  net  proceeds  from  this  sale  of  common  stock  of
approximately $98.5 million were used to pay down the Company's revolving credit
facility.

                              1998 Equity Offering

On February  26,  1998,  the Company  closed on a public  offering of  5,240,780
shares of common  stock at a price to the  public of $16.75  per share and a net
price to the Company of $15.955 per share (the "Equity Offering").  Concurrently
with the Equity Offering,  TPG purchased 313,400 shares of common stock from the
Company  at $15.955  per share,  equal to the price to the public per share less
underwriting discounts and commissions (the "TPG Purchase"). The net proceeds to
the Company from the Equity Offering and TPG Purchase were  approximately  $88.6
million, before offering expenses.

                                    Warrants

On May 5, 2000, 75,000 warrants that were previously  outstanding at an exercise
price of Cdn.  $8.40  expired.  Each  warrant  entitled  the  holder  thereof to
purchase one share of common stock at any time prior to the expiration date.

                                Stock Option Plan

As of December 31, 2000,  the Company had a total of 4,535,000  shares of Common
Stock  reserved for issuance  pursuant to its Stock Option Plan. On February 22,
2001, the Board of Directors of the Company authorized a 600,000 increase to the
number of shares  that may be  issued  pursuant  to this  plan,  subject  to the
approval of shareholders at the May 23, 2001 annual meeting.  Under the terms of
the plan,  incentive and  non-qualified  options may be issued to officers,  key
employees and consultants. Options generally become exercisable over a four year
vesting  period with the specific  terms of vesting  determined  by the Board of
Directors at the time of grant.  The options expire over terms not to exceed ten
years from the date of grant,  ninety days after  termination  of  employment or
permanent  disability or one year after the death of the  optionee.  The options
are granted at the fair market  value at the time of grant,  which is  generally
defined as the average closing price of the Company's shares of Common Stock for
the ten trading days prior to issuance.  The plan is  administered  by the Stock
Option Committee of the Board.

                                      -52-


<PAGE>


Notes to Consolidated Financial Statements
Years Ended December 31, 2000, 1999 and 1998

Following is a summary of stock option  activity during the years ended December
31, 2000, 1999 and 1998:

<TABLE>
<CAPTION>


                                                              YEAR ENDED DECEMBER 31,
                                ------------------------------------------------------------------------------------
                                           2000                         1999                        1998
                                --------------------------- ---------------------------- ---------------------------
                                  Number       Weighted        Number        Weighted       Number       Weighted
                                of Options   Average Price   of Options   Average Price   of Options  Average Price
                                ----------- --------------- ------------- -------------- ------------ --------------
<S>                             <C>         <C>             <C>           <C>            <C>          <C>
Outstanding at beginning of
  year.........................   3,317,384 $          8.66    1,890,531  $       13.04   1,546,256   $       11.06
Granted........................     595,635            4.11    1,830,503           4.38     488,559           17.71
Exercised......................     (40,458)           4.60            -              -    (132,256)           7.29
Forfeited......................     (70,439)           6.70     (403,650)          9.78     (12,028)           7.15
                                ----------- --------------- ------------- -------------- ------------ --------------
Outstanding at end of year.....   3,802,122 $          8.03    3,317,384  $        8.66   1,890,531   $       13.04
                                =========== =============== ============= ============== ============ ==============
Exercisable at end of year.....   1,310,382 $          9.35      622,001  $        9.39     398,474   $        8.85
                                =========== =============== ============= ============== ============ ==============
Weighted average fair value of
  options granted..............             $          2.26               $        2.56               $        7.64
                                            ===============               ==============              ==============
</TABLE>

The Company applies the intrinsic value method in accounting for options granted
under the Stock Option Plan and accordingly no compensation  cost is recognized.
Had compensation  expense been recognized based on the fair value of the options
on the date they were  granted,  the  Company's net income (loss) and net income
(loss) per common share would have been reduced (increased) to the following pro
forma amounts:

<TABLE>
<CAPTION>

                                                                                YEAR ENDED DECEMBER 31,
                                                                       -----------------------------------------
                                                                           2000          1999           1998
                                                                       ------------   -----------   ------------
<S>                                                                    <C>            <C>           <C>
NET INCOME (LOSS):
   As reported (thousands).............................................$    142,227   $     4,614   $  (287,145)
   Pro forma (thousands)...............................................     139,574           772      (289,463)

NET INCOME (LOSS) PER COMMON SHARE:
   As reported:
       Basic...........................................................$       3.10   $      0.12   $    (11.08)
       Diluted.........................................................        3.07          0.12        (11.08)
   Pro forma:
       Basic...........................................................$       3.05   $      0.02   $    (11.16)
       Diluted.........................................................        3.05          0.02        (11.16)

</TABLE>

The  Company   estimated   the  fair  value  of  each  option  grant  using  the
Black-Scholes  option pricing method while using the following  weighted average
assumptions:

                                            2000          1999           1998
                                        ------------  ------------    ----------
Risk-free interest rate                         6.5%          4.7%          5.7%
Expected life                                5 years       5 years       5 years
Expected volatility                            55.0%         64.7%         39.2%
Dividend yield                                -             -             -


                                      -53-


<PAGE>


Notes to Consolidated Financial Statements
Years Ended December 31, 2000, 1999 and 1998

The  following  table  summarizes  information  on the  Company's  stock options
outstanding at December 31, 2000:

<TABLE>
<CAPTION>


                                              Options Outstanding                      Options Exercisable
                                 ---------------------------------------------      --------------------------
                                                   Weighted
                                     Number         Average        Weighted            Number       Weighted
                                   of Options      Remaining        Average          of Options      Average
                                   Outstanding    Contractual      Exercise          Exercisable    Exercise
   Range of Exercise Prices        at 12/31/00        Life           Price           at 12/31/00      Price
- ------------------------------   --------------- --------------  -------------      -------------  -----------
 <S>                             <C>             <C>             <C>                <C>            <C>
 $ 3.77 -  $ 5.50                      2,172,847      8.0 years  $        4.18            383,149  $      4.25
   5.51 -    8.00                        294,507      5.5 years           6.64            253,625         6.72
   8.01 -   11.50                        222,282      4.9 years           9.92            220,550         9.93
  11.51 -   14.50                        627,938      5.7 years          13.38            321,240        13.39
  14.51 -   22.25                        484,548      6.7 years          18.32            131,818        18.40
                                 -----------------------------------------------------------------------------
 $ 3.77 -  $22.25                      3,802,122      7.1 years  $        8.03          1,310,382  $      9.35
                                 -----------------------------------------------------------------------------
</TABLE>

                               Stock Purchase Plan

The Company  maintains a Stock Purchase Plan which  authorizes the sale of up to
750,000 shares of Common Stock to all full-time  employees.  Under the plan, the
employees may contribute up to 10% of their base salary and the Company  matches
75% of the  employee  contribution.  The  combined  funds  are used to  purchase
previously  unissued  Common  Stock of the Company  based on its current  market
value at the end of each quarter.  The Company recognizes  compensation  expense
for the 75% Company  matching  portion,  which  totaled  $560,000,  $501,000 and
$648,000 for the years ended  December 31,  2000,  1999 and 1998,  respectively.
This plan is administered by the Stock Purchase Plan Committee of the Board.

                                   401(k) Plan

The Company offers a 401(k) Plan to which  employees may contribute tax deferred
earnings  subject to Internal Revenue Service  limitations.  The Company matches
75% of employee  contributions  up to an employee's  contribution of 6% of their
salary. This Company match becomes vested over a four year period.  During 2000,
1999 and 1998, the Company made matching contributions of $427,000, $239,000 and
$217,000, respectively, to the 401(k) Plan.

                     NOTE 6. PRODUCT PRICE HEDGING CONTRACTS

The Company  enters into  various  financial  contracts to hedge its exposure to
commodity  price risk  associated  with  anticipated  future oil and natural gas
production.  These  contracts  consist of price  ceilings  and floors,  no- cost
collars and fixed price swaps.

As of December 31, 1998, the Company had no-cost financial contracts ("collars")
in place  that  hedged a total of 40 million  cubic feet of natural  gas per day
("MMcf/d")  through August 1999 and 30 MMcf/d thereafter  through December 2000.
The first set of contracts had a weighted average ceiling price of approximately
$2.95 per MMBtu and the second set of contracts had a ceiling price of $2.58 per
MMBtu. Both contracts had a

                                      -54-


<PAGE>
Notes to Consolidated Financial Statements
Years Ended December 31, 2000, 1999 and 1998

floor  price of $1.90 per  MMBtu.  During the first  half of 1999,  the  Company
collected  $603,000 on these contracts,  but paid out $729,000 during the second
half of the year.  During the second half of 1999,  the Company also retired six
MMcf/d of the 30  MMcf/d  collar at a cost of  approximately  $672,000.  The net
out-of-pocket  cost  during  1999  on the  natural  gas  collars  was  $798,000,
including  the cost of the  buyouts.  During  2000,  the Company  paid out $11.9
million relating to these natural gas collars,  reducing the net average natural
gas price it received by $0.88 per Mcf.  All of the natural gas collars  expired
as of December 31, 2000.

During  March and April 1999,  the Company  entered  into two collars to hedge a
portion of its oil  production.  The first  contract  was a fixed price swap for
3,000 Bbls/d for the period of April through  December 1999 at a price of $14.24
per Bbl.  The second  contract was a collar to hedge 3,000 Bbls/d for the period
of May 1999  through  December  2000 with a floor  price of $14.00 per Bbl and a
ceiling price of $18.05 per Bbl. The Company paid  approximately $8.6 million on
these contracts  during 1999, which lowered the effective net oil price received
by the Company for the year by $1.95 per barrel.  During 2000,  the Company paid
out $13.4  million  relating to these oil collars,  reducing the net average oil
price  it  received  by $2.39  per Bbl.  All of the oil  collars  expired  as of
December 31, 2000.

In the aggregate,  the Company paid out a net amount of $9.4 million during 1999
and $25.3 million during 2000 on its commodity  hedges.  All of these  contracts
expired as of December 31, 2000.

For the years  2001 and 2002,  the  Company  acquired  puts or floors in 2000 to
hedge a portion of its anticipated oil and natural gas production. For 2001, the
Company  acquired  a $22.00  floor on 12,800  Bbls/d  and a $2.80  floor on 37.5
MMBtu/d  for  an  aggregate   cost  of  $2.6  million,   which   together  cover
approximately  75%  of  the  Company's  anticipated  production,  excluding  the
anticipated production from the acquisitions made in the fourth quarter of 2000.
The floors  relating  to the  acquisitions  cost a total of  approximately  $2.5
million and have varying volume and price floors each quarter for 2001 and 2002.
The price floor varies by quarter,  but have a weighted  average  price of $3.51
for 2001 and $3.23 for 2002. The volumes on the floors also vary by quarter with
a weighted average volume of 23.0 MMBtu/d for 2001 and 7.8 MMBtu/d for 2002. The
Company has  recorded  the cost of these  floors in either  current or long-term
other  assets  in its  Consolidated  Balance  Sheet  as of  December  31,  2000,
depending  on their  expiration  dates.  The fair  value of these  floors  as of
December  31,  2000 was $6.7  million.  The  following  table  lists  all of the
individual floors in place as of December 31, 2000.
<TABLE>
<CAPTION>
                      Volume       Floor                                           Volume     Floor
           Period     Per Day      Price                              Period      Per Day     Price
        -----------------------------------                       ------------------------------------
<S>    <C>               <C>         <C>                           <C>                  <C>      <C>
 Oil Options or "puts" (Bbls/d):                             Gas Options or "puts" (MMBtu/d):
           2001          12,800      $22.00                        Q1 - 2002            5.3      $3.65
                                                                   Q1 - 2002            6.7      $3.07
 Gas Options or "puts" (MMBtu/d):                                  Q2 - 2002            3.8      $3.40
           2001            37.5       $2.80                        Q2 - 2002            4.4      $3.04
                                                                   Q3 - 2002            2.9      $3.38
         Q1 - 2001         11.5       $4.25                        Q3 - 2002            3.5      $2.99
         Q1 - 2001         15.1       $3.52                        Q4 - 2002            2.1      $3.38
         Q2 - 2001         10.5       $3.95                        Q4 - 2002            2.5      $2.93
         Q2 - 2001         13.9       $3.23
         Q3 - 2001         10.0       $3.70
         Q3 - 2001         13.0       $3.07
         Q4 - 2001          7.9       $3.56
         Q4 - 2001         10.4       $2.94

</TABLE>
                      NOTE 7. COMMITMENTS AND CONTINGENCIES

The  Company  has  operating  leases  for the  rental  of office  space,  office
equipment, and vehicles that totaled $1.4 million, $1.2 million and $672,000 for
the years ended December 31, 2000, 1999 and 1998, respectively.  At December 31,
2000, long-term commitments for these items require the following future minimum
rental payments:

AMOUNTS IN THOUSANDS

2001.............................$         1,475
2002.............................          1,457
2003.............................          1,327
2004.............................          1,346
2005.............................          1,477
Thereafter ......................          5,663
                                 ---------------
     Total lease commitments.....$        12,745
                                 ===============

                                      -55-
<PAGE>


Notes to Consolidated Financial Statements
Years Ended December 31, 2000, 1999 and 1998


The Company is subject to various possible  contingencies  which arise primarily
from interpretation of federal and state laws and regulations  affecting the oil
and natural gas industry.  Such contingencies include differing  interpretations
as to the prices at which oil and natural  gas sales may be made,  the prices at
which royalty owners may be paid for production from their leases, environmental
issues and other matters. Although management believes that it has complied with
the various laws and  regulations,  administrative  rulings and  interpretations
thereof,  adjustments could be required as new  interpretations  and regulations
are issued. In addition,  production rates,  marketing and environmental matters
are subject to regulation by various federal and state agencies.

The Company and its  subsidiaries are involved in various  lawsuits,  claims and
regulatory  proceedings  incidental  to  their  businesses.  In the  opinion  of
management,  the outcome of such matters will not have a material adverse effect
on  the  Company's  business,   consolidated  financial  position,   results  of
operations or cash flows.

                        NOTE 8. SUPPLEMENTAL INFORMATION

                   Significant Oil and Natural Gas Purchasers

Oil and natural  gas sales are made on a  day-to-day  basis or under  short-term
contracts at the current area market price.  The loss of any purchaser would not
be expected to have a material  adverse  effect  upon  operations.  For the year
ended  December 31, 2000,  the Company sold 10% or more of its net production of
oil and natural gas to the following purchasers:  Hunt Refining (24%), Southland
Refining (17%), EOTT Energy (16%), and Dynegy (10%). For the year ended December
31, 1999,  four purchasers each accounted for more than 10% of the Company's net
production of oil and natural gas and 68% in the  aggregate.  For the year ended
December 31, 1998,  three  purchasers  each  accounted  for more than 10% of the
Company's net production of oil and natural gas and 62% in the aggregate.

                                 Costs Incurred

The following table summarizes costs incurred and capitalized in oil and natural
gas property  acquisition,  exploration  and  development  activities.  Property
acquisition  costs are those costs  incurred to  purchase,  lease,  or otherwise
acquire  property,  including  both  undeveloped  leasehold  and the purchase of
reserves in place. Exploration costs include costs of identifying areas that may
warrant  examination and in examining specific areas that are considered to have
prospects  containing oil and natural gas reserves,  including costs of drilling
exploratory  wells,  geological  and  geophysical  costs and  carrying  costs on
undeveloped  properties.  Development  costs are  incurred  to obtain  access to
proved  reserves,  including  the cost of  drilling  development  wells,  and to
provide facilities for extracting,  treating,  gathering and storing the oil and
natural gas.

Costs  incurred in oil and natural gas  activities  for the years ended December
31, 2000, 1999 and 1998 are as follows:

                                                YEAR ENDED DECEMBER 31,
                                       -----------------------------------------
AMOUNTS IN THOUSANDS                      2000          1999            1998
                                       -----------   -----------     -----------

Property acquisitions:
     Proved.........................   $    50,285   $    20,488     $    13,674
     Unevaluated....................        11,741         1,283           6,604
Exploration.........................         6,782         7,672          12,222
Development.........................        65,213        25,524          70,152
                                       -----------   -----------     -----------
     Total costs incurred...........   $   134,021   $    54,967     $   102,652
                                       ===========   ===========     ===========


                                      -56-


<PAGE>
Notes to Consolidated Financial Statements
Years Ended December 31, 2000, 1999 and 1998


                              Property Acquisitions

During the fourth quarter of 2000, the Company completed  acquisitions  totaling
$56.5  million  in the  Thornwell,  Porte  Barre and  Iberia  Fields  located in
southwestern  Louisiana.  Approximately $10.0 million of these acquisition costs
were recorded as  unevaluated  property  costs at December 31, 2000. The Company
also completed other minor acquisitions totaling $3.8 million during 2000.



During  1999,  the  Company  completed   acquisitions  totaling  $20.5  million,
primarily  comprised of a $12.3 million  acquisition of a tertiary  recovery oil
field (Little Creek) in southern  Mississippi and a $4.9 million  acquisition of
the King Bee Field, also in Mississippi.

              NOTE 9. SUPPLEMENTAL RESERVE INFORMATION (UNAUDITED)

Net proved oil and natural gas reserve  estimates  as of December  31, 2000 were
prepared by DeGolyer and MacNaughton,  and as of December 31, 1999 and 1998 were
prepared by  Netherland & Sewell,  independent  petroleum  engineers  located in
Dallas,  Texas.  The  reserves  were  prepared  in  accordance  with  guidelines
established by the Securities and Exchange  Commission  and,  accordingly,  were
based on existing economic and operating conditions.  Oil and natural gas prices
in effect as of the reserve report date were used without any escalation  except
in those  instances  where the sale is  covered by  contract,  in which case the
applicable  contract prices  including fixed and  determinable  escalations were
used for the duration of the contract,  and  thereafter  the last contract price
was used (See  "Standardized  Measure  of  Discounted  Future Net Cash Flows and
Changes  Therein  Relating to Proved Oil and Natural Gas  Reserves"  below for a
discussion of the effect of the different
prices on reserve  quantities and values.)  Operating  costs,  production and ad
valorem taxes and future  development  costs were based on current costs with no
escalation.

There are numerous  uncertainties  inherent in  estimating  quantities of proved
reserves  and in  projecting  the  future  rates of  production  and  timing  of
development  expenditures.  The following reserve data represents estimates only
and should not be construed as being exact.  Moreover, the present values should
not be construed as the current  market value of the  Company's  oil and natural
gas reserves or the costs that would be incurred to obtain equivalent  reserves.
All of the reserves are located in the United States.


                                      -57-

<PAGE>

Notes to Consolidated Financial Statements
Years Ended December 31, 2000, 1999 and 1998

<TABLE>
<CAPTION>
                        Estimated Quantities of Reserves

                                                                    YEAR ENDED DECEMBER 31,
                                            -----------------------------------------------------------------------
                                                     2000                    1999                     1998
                                            ----------------------  ----------------------   ----------------------
                                               Oil         Gas         Oil          Gas         Oil         Gas
                                             (MBbl)       (MMcf)      (MBbl)      (MMcf)      (MBbl)       (MMcf)
                                            ---------   ----------  ----------   ---------   ---------   ----------
<S>                                         <C>         <C>         <C>          <C>         <C>         <C>
BALANCE AT BEGINNING OF YEAR................   51,832       50,438      28,250      48,803      52,018       77,191
     Revisions of previous estimates........    4,078        8,271          83         418      (7,267)     (15,369)
     Revisions due to price changes.........      412        1,905      15,884          75     (14,921)        (990)
     Extensions and discoveries.............    2,746       25,593       4,383       8,910         678        1,951
     Improved recovery (1)..................   16,466        5,613           -           -           -            -
     Production.............................   (5,555)     (13,533)     (4,413)    (10,201)     (4,965)     (13,361)
     Acquisition of minerals in place.......    1,182       23,209       7,722       2,693       2,998           21
     Sales of minerals in place.............     (494)        (946)        (77)       (260)       (291)        (640)
                                            ---------   ----------  ----------   ---------   ---------   ----------
BALANCE AT END OF YEAR......................   70,667      100,550      51,832      50,438      28,250       48,803
                                            =========   ==========  ==========   =========   =========   ==========

PROVED DEVELOPED RESERVES
     Balance at beginning of year...........   32,767       41,635      20,357      44,995      31,355       69,805
     Balance at end of year.................   52,353       77,358      32,767      41,635      20,357       44,995

<FN>

(1)  For years  prior to December  31,  2000,  the  changes  related to improved
     recovery  were not material and were  included  with  revisions of previous
     estimates.
</FN>
</TABLE>



          Standardized Measure of Discounted Future Net Cash Flows and
         Changes Therein Relating to Proved Oil and Natural Gas Reserves

The Standardized Measure of Discounted Future Net Cash Flows and Changes Therein
Relating to Proved Oil and Natural Gas Reserves  ("Standardized  Measure")  does
not purport to present the fair market  value of the  Company's  oil and natural
gas properties.  An estimate of such value should consider, among other factors,
anticipated  future prices of oil and natural gas, the probability of recoveries
in excess of  existing  proved  reserves,  the value of  probable  reserves  and
acreage prospects, and perhaps different discount rates. It should be noted that
estimates of reserve quantities, especially from new discoveries, are inherently
imprecise and subject to substantial revision.

Under the Standardized  Measure,  future cash inflows were estimated by applying
year-end  prices,  adjusted  for  fixed  and  determinable  escalations,  to the
estimated future production of year-end proved reserves. The product prices used
in  calculating  these reserves have varied widely during the three year period.
These prices have a significant  impact on both the  quantities and value of the
proven  reserves as the reduced oil price causes wells to reach the end of their
economic life much sooner and also makes certain  proved  undeveloped  locations
uneconomical,  both of which reduce the reserves.  The following  representative
oil and natural gas year-end prices were used in the Standardized Measure. These
prices were adjusted by field to arrive at the appropriate corporate net price.

                                         YEAR ENDED DECEMBER 31,
                               -------------------------------------------
                                   2000           1999            1998
                               -------------  ------------   -------------
Oil (NYMEX)                    $      26.80   $     25.60    $      12.00
Natural Gas (NYMEX Henry Hub)          9.78          2.12            2.15

                                      -58-

<PAGE>

Notes to Consolidated Financial Statements
Years Ended December 31, 2000, 1999 and 1998


Future cash inflows were reduced by estimated future  production and development
costs based on year-end costs to determine  pre-tax cash inflows.  Future income
taxes were  computed by applying the statutory tax rate to the excess of pre-tax
cash  inflows  over the  Company's  tax basis in the  associated  proved oil and
natural gas properties.  Tax credits and net operating loss  carryforwards  were
also  considered in the future income tax  calculation.  Future net cash inflows
after income taxes were discounted using a 10% annual discount rate to arrive at
the Standardized Measure.

<TABLE>
<CAPTION>

                                                                                           DECEMBER 31,
                                                                            ------------------------------------------
AMOUNTS IN THOUSANDS                                                            2000           1999           1998
                                                                            ------------   ------------   ------------
<S>                                                                         <C>            <C>            <C>
Future cash inflows.......................................................  $  2,609,306   $  1,222,590   $    317,148
Future production costs...................................................      (600,195)      (370,385)      (112,521)
Future development costs..................................................       (95,068)       (69,642)       (23,887)
                                                                            ------------   ------------   ------------
    Future net cash flows before taxes ...................................     1,914,043        782,563        180,740
10% annual discount for estimated timing of cash flows....................      (755,074)      (319,693)       (65,721)
                                                                            ------------   ------------   ------------
    Discounted future net cash flows before taxes.........................     1,158,969        462,870        115,019
Discounted future income taxes............................................      (317,670)       (14,496)             -
                                                                            ------------   ------------   ------------
STANDARDIZED MEASURE OF DISCOUNTED FUTURE NET CASH FLOWS..................  $    841,299   $    448,374   $    115,019
                                                                            ============   ============   ============

</TABLE>



The  following  table sets  forth an  analysis  of  changes in the  Standardized
Measure of  Discounted  Future Net Cash Flows from  proved oil and  natural  gas
reserves:

<TABLE>
<CAPTION>

                                                                                    YEAR ENDED DECEMBER 31,
                                                                         ----------------------------------------------
AMOUNTS IN THOUSANDS                                                         2000             1999            1998
                                                                         -------------    -------------  --------------
<S>                                                                      <C>              <C>            <C>
BEGINNING OF YEAR......................................................  $     448,374    $     115,019  $      335,308
Sales of oil and natural gas produced, net of production costs.........       (132,645)         (51,884)        (52,721)
Net changes in sales prices............................................        255,917          253,244        (198,836)
Extensions and discoveries, less applicable future  development
   and production costs................................................        200,966           48,918           6,605
Improved recovery (1)..................................................         77,702                -               -
Previously estimated development costs incurred........................         20,623            8,402          30,742
Revisions of previous estimates, including revised estimates of
   development costs, reserves and rates of production.................         48,018            6,433         (76,532)
Accretion of discount..................................................         46,287           11,502          33,531
Acquisition of minerals in place.......................................        183,634           71,631          12,869
Sales of minerals in place.............................................         (4,403)            (395)         (1,968)
Net change in income taxes.............................................       (303,174)         (14,496)         26,021
                                                                         -------------    -------------  --------------
END OF YEAR............................................................  $     841,299    $     448,374  $      115,019
                                                                         =============    =============  ==============
<FN>

(1) For years  prior to  December  31,  2000,  the  changes  related to improved
recovery  were not  material  and  were  included  with  revisions  of  previous
estimates.

</FN>
</TABLE>

                                      -59-
<PAGE>
Notes to Consolidated Financial Statements
Years Ended December 31, 2000, 1999 and 1998


                            Note 10. Subsequent Event

On January 18, 2001,  the Company  entered  into a purchase and sale  agreement,
effective  January 1, 2001, to acquire certain carbon dioxide ("CO2")  reserves,
production and associated assets from a division of Airgas Inc. for $42 million.
The  acquisition  included ten  producing  CO2 wells and  production  facilities
located near  Jackson,  Mississippi,  and a 183-mile 20-inch  pipeline  which is
currently  transporting CO2 to Denbury's  tertiary recovery  operation at Little
Creek Field, as well as to other commercial customers. The Company completed the
purchase of these assets on February 2, 2001.  The operating  results from these
assets in future periods will be accounted for separately from the Company's oil
and gas producing activities.



                    NOTE 11. UNAUDITED QUARTERLY INFORMATION

The following  table  presents  unaudited  summary  financial  information  on a
quarterly basis for 2000 and 1999:

<TABLE>
<CAPTION>

- ------------------------------------------------------------------------------------------------------------------
IN THOUSANDS EXCEPT PER SHARE AMOUNTS                MARCH 31         JUNE 30         SEPT. 30       DECEMBER 31
- ------------------------------------------------------------------------------------------------------------------
2000
- ----
<S>                                                <C>             <C>             <C>              <C>
Revenues .......................................   $     35,767    $      37,550   $       44,749   $       63,585
Expenses .......................................         24,232           23,927           25,629           32,930
Net income .....................................         11,515           13,603           19,039           98,070
Net income per share: ..........................
      Basic ....................................           0.25             0.30             0.42             2.14
      Diluted ..................................           0.25             0.30             0.41             2.09
Cash flow from operations (a)...................         19,562           21,340           27,502           43,151
Cash flow used for investing activities.........         16,088           21,462           24,069           71,421
Cash flow provided by (used for) financing
      activities................................            308           (3,806)          (2,131)          53,222


1999
- ----
Revenues .......................................   $     15,064    $      18,228   $       22,378   $       27,320
Expenses .......................................         18,092           17,736           19,974           22,574
Net income (loss) ..............................         (3,028)             492            2,404            4,746
Net income (loss) per share: ...................
      Basic ....................................          (0.11)            0.01             0.05             0.10
      Diluted ..................................          (0.11)            0.01             0.05             0.10
Cash flow from operations (a)...................          2,497            6,598            9,547           12,977
Cash flow used for investing activities.........          6,917           13,232           21,841           16,305
Cash flow provided by financing activities......          9,155            7,441           10,179               39

<FN>

(a) Exclusive of the net change in non-cash working capital balances.

</FN>
</TABLE>

                                      -60-

<PAGE>


                          Common Stock Trading Summary

The following  table  summarizes  the high and low last reported sales prices on
days in which there were trades of the  Company's  common  stock on the New York
Stock Exchange ("NYSE"),  and on The Toronto Stock Exchange ("TSE") (as reported
by such exchange) for each quarterly  period for the last two fiscal years.  The
trades on the NYSE are reported in U.S.  dollars and the TSE trades are reported
in Canadian dollars.

As of February 1, 2001, to the best of the Company's knowledge, the common stock
was held of record by approximately  1,300 holders,  of which  approximately 300
were U.S. residents holding approximately 80% of the outstanding common stock of
the Company.

The Company has never paid any dividends on its common stock and currently  does
not anticipate  paying any dividends in the foreseeable  future.  The Company is
restricted from declaring or paying any cash dividends on its common stock under
its bank loan agreement.

<TABLE>
<CAPTION>

                                                          NYSE (U.S. $)                     TSE (CDN $)
- ---------------------------------------------------------------------------------------------------------------
                                                       HIGH             LOW             HIGH            LOW
- ---------------------------------------------------------------------------------------------------------------
<S>                                                 <C>              <C>             <C>             <C>
2000
- ----
First quarter                                       $     4.56       $    3.75       $     7.00      $     4.80
Second quarter                                            6.38            3.75             9.50            5.00
Third quarter                                             8.44            4.31            12.65            5.80
Fourth quarter                                           11.44            6.31            16.80            9.30
- ---------------------------------------------------------------------------------------------------------------
              2000 annual                           $    11.44       $    3.75       $    16.80      $     4.80
- ---------------------------------------------------------------------------------------------------------------
1999
- ----
First quarter                                       $     6.69       $    3.81       $    10.00      $     5.50
Second quarter                                            5.00            3.38             7.45            5.00
Third quarter                                             5.44            4.00             7.45            5.90
Fourth quarter                                            5.31            3.69             7.50            5.25
- ---------------------------------------------------------------------------------------------------------------
              1999 annual                           $     6.69       $    3.38       $    10.00      $     5.00
- ---------------------------------------------------------------------------------------------------------------
</TABLE>



                                       -61-

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>4
<FILENAME>0004.txt
<DESCRIPTION>EXHIBIT 21 - LIST OF SUBSIDIARIES
<TEXT>



<TABLE>
<CAPTION>


                                   EXHIBIT 21

                              LIST OF SUBSIDIARIES

                                               JURISDICTION OF
NAME OF SUBSIDIARY                              INCORPORATION                                STATUS
- ------------------------------------    -----------------------------     ---------------------------------------------
<S>                                     <C>                               <C>
Tallahatchie Resources, Inc.            Texas                             Wholly owned subsidiary of Denbury
                                                                          Resources Inc. - dormant
Denbury Marine, L.L.C.                  Louisiana                         Wholly owned subsidiary of Denbury
                                                                          Resources Inc. - marine company
Denbury Energy Services, Inc.           Texas                             Wholly owned subsidiary of Denbury
                                                                          Resources Inc. - marketing company
Denbury Carbonics, L.L.C.               Mississippi                       Wholly owned subsidiary of Denbury
                                                                          Resources Inc. - CO2 production and
                                                                          transportation
</TABLE>






                                    EX 21 - 1


</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23
<SEQUENCE>5
<FILENAME>0005.txt
<DESCRIPTION>EXHIBIT 23 - INDEPENDENT AUDITORS' CONSENT
<TEXT>




                                   EXHIBIT 23

INDEPENDENT AUDITORS' CONSENT

DENBURY RESOURCES INC.

We consent to the  incorporation  by reference in  Registration  Statement  Nos.
333-1006,  333-27995, 333- 55999, 333-70485,  333-39172 and 333-39218 of Denbury
Resources Inc. on Forms S-8 of our report dated February 22, 2001,  appearing in
this Annual  Report on Form 10-K of Denbury  Resources  Inc.  for the year ended
December 31, 2000.

/s/ Deloitte & Touche LLP

Dallas, Texas
March 16, 2001

                                    EX 23 - 1





</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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