  We present a method to calculate directly the K-matrices for the pion
electro-production processes in the framework of chiral quark models which
allows for a clean separation of the resonant amplitudes from the background.
The method is applied to the calculation of the multipole amplitudes M_{1+},
E_{1+}, and S_{1+} in the Delta channel within the Cloudy Bag Model. A good
overall description is found in a broad energy range.
