text:  (2,624,941) 
  
  Balance at end of year  $10,602,419 
  
  An analysis of the changes in loans to officers, directors, principal shareholders, or associates of such persons for the 
  years ended December 31, 2002 and 2001 (determined as of each respective year-end) follows: 
  
  Beginning 
   Balance  Additional 
   Loans  Ending 
   Balance   Payments 
  
  Year ended December 31, 2002  $44,426,313  $27,349,995  $44,235,855  $27,540,453 
  
  Year ended December 31, 2001  $35,575,573  $51,556,164  $42,970,581  $44,161,156 
  
  In the opinion of management, those loans are on substantially the same terms, including interest rates and collateral 
  requirements, as those prevailing at the time for comparable transactions with unaffiliated persons. 