in noninterest income for 2002 versus a reduction in printing expense in prior years.  ATM expense for 2002 was
$266 thousand higher than the 2001 amount and reflects increased customer usage in 2002.
Salaries and employee benefits for 2001 totaled $28.7 million, an increase of $1.6 million as compared to 2000.
The increase resulted primarily from normal salary increases and the addition of employees from our acquisition
finalized in July 2001. Net occupancy and equipment expense in the aggregate for 2001 increased by $710 thousand
and resulted primarily from higher utilities and repair and maintenance expense. Other professional fees for 2001
increased $302 thousand as compared to the prior year.  The increase resulted primarily from; (i) executive search
fees; (ii) leasehold improvement design fees; and (iii) technology systems conversions. Printing, stationery, and
supplies expense for 2001 increased $202 thousand as compared to 2000 and reflects expense related to the printing
of additional customer disclosures and supplies related to implementation of check imaging at a number of our
subsidiary banks.