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              [html]<thead><tr><td>IN 1HOUSANUS</td><td>December 31.2002</td><td>Llecerriber 31.2001</td></tr></thead><tbody><tr><td>Assets</td><td>$ 705.468</td><td>$ 670.959</td></tr><tr><td>Loans</td><td>353.564</td><td>344.341</td></tr><tr><td>< underline > Deposits </ underline ></td><td>624.262</td><td>598.310</td></tr><tr><td>Equity</td><td>68.670</td><td>63.276</td></tr><tr><td>< underline > Net Income </ underline ></td><td>14.277</td><td>13.051</td></tr><tr><td>Trust Assets</td><td>740.745</td><td>722.504</td></tr><tr><td>Return on Average Assets</td><td>2.12 %</td><td>1.98 %</td></tr><tr><td>< underline > Return on Average Equity </ underline ></td><td>21.05</td><td>20.19</td></tr></tbody>
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