text: **December 31,**
  **2000** **2002** **2001** **1998**
  
  Commercial, financial and agricultural................ 
  Real estate — construction ................................... 
  Real estate — mortgage........................................ 
  Consumer, net of unearned income...................... 
  $ 311,743 
  50,911 
  375,256 
   226,130 
  $ 964,040  $ 312,053 
  47,173 
  350,382 
   230,523 
  $ 940,131  $ 295,032 
  40,610 
  290,920 
   232,709 
  $ 859,271  $ 297,966 
  43,039 
  208,895 
   247,375 
  $ 797,275  $ 278,647 
  36,721 
  198,447 
   265,729 
  $ 779,544 
  
  **Table 6 — Maturity Distribution and Interest Sensitivity of Loans at December 31, 2002 (in thousands):**
  
  The following tables summarize maturity and yield information for the commercial, financial, and agricultural 
  and the real estate-construction portion of the loan portfolio as of December 31, 2002: 
  
  **After One**
  **Year**
  **Through**
  **Five Years**
  $ 
  76,860 
   15,619 
  $ 92,479 
  
  **One Year**
  **or less** **After Five**
  **Years** **Total**
  
  $ 
  216,797 
   35,292 
  $ 252,089  $ 
  18,086 
   - 
  $ 18,086  $ 
  311,743 
   50,911 
  $ 362,654 