// example of an incorrectly initialized array:
 
        public class Test {
           public static void main(String args[]) {
              String sa[] = new String[5];
              sa[0].charAt(0);
           }
        }
 
     // example of a correctly initialized array:
 
        public class Test {
           public static void main(String args[]) {
              String sa[] = new String[5];
 
              for(int i = 0; i < 5; i++) {
                 sa[i] = new String();
              }
  
              sa[0].charAt(0);
           }
        }