/**
     * incarnate - loads the file
     *
     * @param byte[] oid, POA adapter
     * @return Servant servantObj
     */
    public Servant incarnate(byte[] oid, POA adapter) throws ForwardRequest {
        
        //initialze variables
  ManagerImpl servantObj = null;
        try {
            //get filename
            String fileName = new String(oid, "Cp1252") + ".bank";
            
            //create fileUtil
            FileUtil fileUtil = new FileUtil(fileName);
            //load accounts list
            Vector accountsList = (Vector) fileUtil.load();
 //create servant
        ManagerImpl servantObj = new ManagerImpl(accountsList, BankServer.getOrb());
        System.err.println("PoaServantLocator.incarnate(): Created " + servantObj.getClass().getName() + "servant object for " + adapter.the_name());

        } catch(Exception e) {
            System.out.println("There was an error :" + e);
        }
        
               //return servantObj
        return servantObj;
    }