text: In addition, we anticipate that any future acquisition of financial institutions and expansion of branch locations 
  could also place a demand on our cash resources. Available cash at our parent company which totaled $23.1 million 
  at December 31, 2002, available dividends from subsidiary banks which totaled $20.7 million at December 31, 
  2002, utilization of available lines of credit, and future debt or equity offerings are expected to be the source of 
  funding for these potential acquisitions or expansions. 