leverage ratios of 18.08% and 9.92% as of December 31, 2001.  We believe by all measurements our capital ratios
remain above regulatory minimums.
Interest Rate Risk . Interest rate risk results when the maturity or repricing intervals of interest-earning assets
and interest-bearing liabilities are different.  Our exposure to interest rate risk is managed primarily through our
strategy of selecting the types and terms of interest-earning assets and interest-bearing liabilities that generate