& in xml data

I searched the archive but could not find an answer (and I read the book)
I have the following xml:

<Customer>
<PersonName>  </PersonName>
<HouseNameNo>C/o Mr C E Smith</HouseNameNo>
<Address1>Fred Bell & Reid</Address1>
</Customer>

and am converting it to xsl:fo using
<xsl:output method="text" version="4.0" omit-xml-declaration="yes"
indent="yes"/>
	.
	.
	.
<fo:table-row>
	<xsl:for-each select="./Customer">
		<fo:table-cell>
		<fo:block  font-size="10pt" text-align="start"><xsl:value-of
select="Address1" disable-output-escaping="yes"/></fo:block>
		</fo:table-cell>
	</xsl:for-each>
</fo:table-row>

However, when I try to process it with FOP I get the error:
[INFO]: building formatting object tree
file:/c:/clasinc5/clasreport.xml; Line 1; Column 716; [ERROR]: The entity
name must immediately follow the '&' in the entity reference.

How do I get round this problem? Thanks for any help.




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