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              [html]<thead><tr><tdrowspan="2"></td><tdcolspan="2">2002</td><tdcolspan="2">Increase ( Decrease )</td><tdcolspan="2">2001</td><tdcolspan="2">Increase ( Decrease )</td><tdcolspan="2">2000</td></tr><tr><td>Salaries.</td><td>$</td><td>23.984</td><td>$</td><td>1.604</td><td>$</td><td>22.380</td><td>$</td><td>1.417</td><td>$</td></tr></thead><tbody><tr><td>20.963</td><td>Medical and other benefits</td><td></td><td>2.297</td><td>180</td><td></td><td>2.117</td><td></td><td>133</td><td></td><td>1.984</td></tr><tr><td>Profit sharing</td><td>2.681</td><td></td><td>823</td><td>1.858</td><td></td><td>( 16 )</td><td></td><td>1.874</td><td></td><td>Pension</td></tr><tr><td>1.173</td><td>549</td><td></td><td>624</td><td>( 56 )</td><td></td><td>680</td><td></td><td>Payroll taxes</td><td></td><td>1.858</td></tr><tr><td>152</td><td>1.706</td><td></td><td>130</td><td>1.576</td><td></td><td>Total salaries and employee benefits..................................</td><td></td><td>31.993</td><td></td><td>3.308</td></tr><tr><td>28.685</td><td>1.608</td><td></td><td>27.077</td><td>Net occupancy expense</td><td></td><td>3.909</td><td></td><td>( 87 )</td><td></td><td>3.996</td></tr><tr><td>433</td><td>3.563</td><td></td><td>Equipment expense</td><td>4.801</td><td></td><td>343</td><td></td><td>4.458</td><td></td><td>277</td></tr><tr><td>4.181</td><td>Intangible amortization</td><td></td><td>135</td><td>( 1.506 )</td><td></td><td>1.641</td><td></td><td>-</td><td></td><td>1.641</td></tr><tr><td>Other :</td><td>Data processing and operation fees</td><td></td><td>1.078</td><td>( 38 )</td><td></td><td>1.116</td><td></td><td>( 147 )</td><td></td><td>1.263</td></tr><tr><td>Postage</td><td>1.094</td><td></td><td>( 80 )</td><td>1.174</td><td></td><td>128</td><td></td><td>1.046</td><td></td><td>Printing, stationery and supplies.........................................................</td></tr><tr><td>1.475</td><td>391</td><td></td><td>1.084</td><td>202</td><td></td><td>882</td><td></td><td>Advertising.............................................................................................................................................................................................</td><td></td><td>1.169</td></tr><tr><td>64</td><td>1.105</td><td></td><td>51</td><td>1.054</td><td></td><td>Correspondent bank service charges.........................................</td><td></td><td>1.491</td><td></td><td>162</td></tr><tr><td>1.329</td><td>67</td><td></td><td>1.262</td><td>ATM expense</td><td></td><td>1.361</td><td></td><td>266</td><td></td><td>1.095</td></tr><tr><td>145</td><td>950</td><td></td><td>Credit card fees</td><td>696</td><td></td><td>27</td><td></td><td>669</td><td></td><td>65</td></tr><tr><td>604</td><td>Telephone</td><td></td><td>870</td><td>( 8 )</td><td></td><td>878</td><td></td><td>124</td><td></td><td>754</td></tr><tr><td>Public relations and business development...................</td><td>758</td><td></td><td>43</td><td>715</td><td></td><td>12</td><td></td><td>703</td><td></td><td>Directors ’ fees.</td></tr><tr><td>516</td><td>30</td><td></td><td>486</td><td>33</td><td></td><td>453</td><td></td><td>Audit and accounting fees.</td><td></td><td>785</td></tr><tr><td>39</td><td>746</td><td></td><td>80</td><td>666</td><td></td><td>Legal fees...............................................................................................................................................................................................</td><td></td><td>383</td><td></td><td>50</td></tr><tr><td>333</td><td>54</td><td></td><td>279</td><td>Other professional and service fees........................................</td><td></td><td>796</td><td></td><td>( 37 )</td><td></td><td>833</td></tr><tr><td>302</td><td>531</td><td></td><td>Regulatory exam f</td><td>526</td><td></td><td>83</td><td></td><td>443</td><td></td><td>19</td></tr><tr><td>424</td><td>Travel</td><td></td><td>311</td><td>7</td><td></td><td>304</td><td></td><td>54</td><td></td><td>250</td></tr><tr><td>Courier expense</td><td>676</td><td></td><td>127</td><td>549</td><td></td><td>101</td><td></td><td>448</td><td></td><td>Operational and other losses............................................................................................................................</td></tr><tr><td>743</td><td>203</td><td></td><td>540</td><td>( 205 )</td><td></td><td>745</td><td></td><td>Other miscellaneous expense</td><td></td><td>3.516</td></tr><tr><td>623</td><td>2.893</td><td></td><td>( 23 )</td><td>2.916</td><td></td><td>Total other.</td><td></td><td>18.244</td><td></td><td>1.952</td></tr><tr><td>16.292</td><td>1.062</td><td></td><td>15.230</td><td>Total Noninterest Expense</td><td></td><td>S.</td><td></td><td>59.082</td><td></td><td>�</td></tr><tr><td>4.010</td><td>55.072</td><td></td><td>3.380</td><td>S</td><td></td><td>51.692</td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td></tr></tbody>
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