2003	2002
Total Assets	$1,797,655	$1,756,877
.
Total Deposits	$1,408,651	$1,435,874
.
Net Loans	$1,028,410	$1,252,886
.
Shareholder's Equity	$202,699	$184,090
.
Net Income	$19,469	$20,636
.
Return On Average Shareholder's Equity	9.92%	11.85%
.
Return On Average Assets	1.13%	1.20%
.
.
Capital Ratios (%)
.
Total Risk-Based Capital Tier 1 Risk-Based Capital Tier 1 Leverage	15.16% 13.91% 11.38%	12.37%1 11.12% 10.01%
Efficiency Ratio (%)	45.86%	38.40%
.

Total Assets	Total Deposits	Net Loans

*This document has not been reviewed or confirmed for accuracy or relevance, by the Federal Deposit Insurance Corporation.