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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>$ 59.090</td><td>$ 57.412</td></tr><tr><td>< underline > Loans </ underline ></td><td>31.931</td><td>29.904</td></tr><tr><td>< underline > Deposits </ underline ></td><td>50.109</td><td>51.577</td></tr><tr><td>Equity</td><td>6.113</td><td>5.737</td></tr><tr><td>< underline > Net Income </ underline ></td><td>1.016</td><td>894</td></tr><tr><td>< underline > Return on Average Assets </ underline ></td><td>1.70 %</td><td>1.58 %</td></tr><tr><td>Return on Average Equity</td><td>16.90</td><td>15.91</td></tr></tbody>
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