text: Salaries and employee benefits for 2002 totaled $32.0 million, an increase of $3.3 million, or 11.5%, as 
  compared to 2001. Salaries for 2002 were up $1.6 million with the increase attributable to normal pay increases, a 
  higher number of full time equivalent employees, and higher performance incentive payments. Profit sharing and 
  pension expenses for 2002 increased $823 thousand and $549 thousand, respectively, as compared to the prior year. 
  The higher profit sharing expense related to the Company’s 2002 increase in net earnings. In 2002, the Company 
  lowered the expected long-term rate of return on pension plan assets from 8.5% to 6.5%; this change is the primary 
  factor contributing to higher pension expense in the current year as compared to the prior year. Net occupancy 
  expense for 2002 was virtually unchanged from the prior year and equipment expense was up $343 thousand over 
  the 2001 amount. The higher equipment expense resulted primarily from higher depreciation and higher repairs and 
  maintenance expense as compared to 2001. Intangible asset amortization for 2002 decreased $1.5 million and 
  resulted primarily from the change in accounting principle that became effective January 1, 2002 and which 
  eliminated the amortization of goodwill. Printing, stationery and supplies expense for 2002 increased $391 thousand 
  over the prior year amount. The increase for 2002 was due to $735 thousand in check printing fees being included 
  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. 