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              [html]<thead><tr><td>IN THOUSANDS</td><td>December 31.2002</td><td>December 31.2001</td></tr></thead><tbody><tr><td>Assets</td><td>$ 303.124</td><td>$ 299.808</td></tr><tr><td>< underline > Loans </ underline ></td><td>115.450</td><td>110.685</td></tr><tr><td>< underline > Deposits </ underline ></td><td>251.931</td><td>257.212</td></tr><tr><td>Equity</td><td>30.634</td><td>27.986</td></tr><tr><td>< underline > Net Income </ underline ></td><td>4.917</td><td>4.167</td></tr><tr><td>< underline > Trust Assets </ underline ></td><td>144.047</td><td>129.471</td></tr><tr><td>Return on Average Assets</td><td>1.70 %</td><td>1.46 %</td></tr><tr><td>< underline > Return on Average Equity </ underline ></td><td>16.48</td><td>15.13</td></tr></tbody>
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