Turnstone

Prospectus Summary

This summary does not contain all of the information that you should consider before investing in our common stock. You should read the entire prospectus carefully, especially "Risk Factors" beginning on page 5. Unless otherwise indicated, this prospectus assumes that the underwriters do not exercise their option to purchase additional shares in this offering. In addition, except as otherwise indicated, all information in this prospectus reflects a two-for-one split of our common stock paid on August 23, 2000 in the form of a stock dividend to stockholders of record on August 9, 2000.