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              [html]<thead><tr><td></td><td>December 31.2002.2001 and 2000</td><td>________________________________________________________________________________________________________________________________________________________________________________________________________</td><td>__2 ( dp )</td></tr></thead><tbody><tr><td>__2000__</td><td></td><td></td><td></td></tr><tr><td>CASH FLOWS FROM OPERATING ACTIVITIES :</td><td>Net earnings</td><td>$ 33.952.550</td><td>$ 29.354.505</td></tr><tr><td>$ 28.316.047</td><td></td><td></td><td></td></tr><tr><td>Adjustments to reconcile net earnings to net cash</td><td>provided by operating activities :</td><td>Depreciation and amortization</td><td>4.125.655</td></tr><tr><td>5.679.082</td><td>5.502.224</td><td>Provision for loan losses</td><td>2.369.634</td></tr><tr><td>1.964.050</td><td>2.397.750</td><td>Premium amortization, net of discount accretion</td><td>2.077.358</td></tr><tr><td>1.662.108</td><td>1.359.124</td><td>Loss ( gain ) on sale of assets</td><td>42.890</td></tr><tr><td>( 52.815 )</td><td>( 540.304 )</td><td>Deferred federal income tax expense ( benefit )</td><td>350.415</td></tr><tr><td>( 188.982 )</td><td>( 304.240 )</td><td>( Increase ) decrease in other assets</td><td>( 1.508.089 )</td></tr><tr><td>3.565.172</td><td>( 2.567.832 )</td><td>Increase ( decrease ) in other liabilities</td><td>_2.695.533</td></tr><tr><td>_ ( 1.778.326 )</td><td>___1.026.945</td><td>Total adjustments</td><td>_10.153.396</td></tr><tr><td>__10.850.289</td><td>___6.873.662</td><td>Net cash provided by operating activities</td><td>44.105.946</td></tr><tr><td>40.204.794</td><td></td><td></td><td></td></tr><tr><td>35.189.714</td><td>CASH FLOWS FROM INVESTING ACTIVITIES :</td><td>Net increase in interest - bearing deposits in banks</td><td>( 950.140 )</td></tr><tr><td>( 1.269.947 )</td><td>( 100.258 )</td><td>Payment for stock of City Bancshares, Inc., net of cash acquired Activity in available - for - sale securities :</td><td>-</td></tr><tr><td>( 6.848.231 )</td><td>-</td><td>Sales</td><td>30.077.478</td></tr><tr><td>57.925.815</td><td>530.097</td><td>Maturities</td><td>814.880.024</td></tr><tr><td>660.484.725</td><td></td><td></td><td></td></tr><tr><td>21.660.247</td><td>Purchases</td><td>( 972.026.050 )</td><td>( 854.748.980 )</td></tr><tr><td>( 41.804.532 )</td><td>Activity in held - to - maturity securities :</td><td>Maturities</td><td>90.203.464</td></tr><tr><td>176.972.321</td><td>87.167.939</td><td>Purchases</td><td>( 2.360.727 )</td></tr><tr><td>( 76.102.656 )</td><td>( 57.628.266 )</td><td>Net increase in loans</td><td>( 26.012.420 )</td></tr><tr><td>( 31.639.533 )</td><td>( 63.728.244 )</td><td>Purchases of bank premises and equipment</td><td>( 2.913.886 )</td></tr><tr><td>( 5.151.260 )</td><td>( 2.507.214 )</td><td>Proceeds from sale of other assets</td><td>_____526.065</td></tr><tr><td>_____200.461</td><td>_392.305</td><td>Net cash used in investing activities</td><td>( 68.576.192 )</td></tr><tr><td>( 80.177.285 )</td><td></td><td></td><td></td></tr><tr><td>( 56.017.926 )</td><td>CASH FLOWS FROM FINANCING ACTIVITIES :</td><td>Net increase ( decrease ) in noninterest - bearing deposits</td><td>36.066.687</td></tr><tr><td>41.179.967</td><td>( 4.236.804 )</td><td>Net ( decrease ) increase in interest - bearing deposits</td><td>( 9.667.069 )</td></tr><tr><td>41.583.909</td><td>( 593.942 )</td><td>Net increase ( decrease ) in securities sold under agreements to repurchase</td><td>6.861.927</td></tr><tr><td>( 6.317.292 )</td><td>16.526.625</td><td>Common stock transactions :</td><td>Acquisition of treasury stock</td></tr><tr><td>-</td><td>( 315.050 )</td><td>( 3.925.069 )</td><td>Proceeds of stock issuances</td></tr><tr><td>573.116</td><td>356.670</td><td>161.919</td><td>Dividends paid</td></tr><tr><td>_ ( 16.052.983 )</td><td>_ ( 13.921.211 )</td><td>_ ( 12.543.863 )</td><td>Net cash provided by ( used in ) financing activities</td></tr><tr><td>__17.781.678</td><td>_62.566.993</td><td>__ ( 4.611.134 )</td><td>NET ( DECREASE ) INCREASE IN CASH AND CASH EQUIVALENTS</td></tr><tr><td>( 6.688.569 )</td><td>22.594.502</td><td>( 25.439.346 )</td><td>CASH AND CASH EQUIVALENTS, beginning of year</td></tr><tr><td>. 185.125.214</td><td>_162.530.712</td><td>__187.970.058</td><td>CASH AND CASH EQUIVALENTS, end of year</td></tr></tbody>
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