text:  The Company has no other off-balance sheet arrangements or transactions with unconsolidated, special purpose 
  entities that would expose the Company to liability that is not reflected on the face of the financial statements. 
  
  *Parent Company Funding*. Our ability to fund various operating expenses, dividends, and cash acquisitions is 
  generally dependent solely on our own earnings (without giving effect to our subsidiaries), cash reserves and funds 
  derived from our subsidiary banks. These funds historically have been produced by intercompany dividends and 
  management fees that are limited to reimbursement of actual expenses. We anticipate that our recurring cash 
  sources will continue to include dividends and management fees from our subsidiary banks. At December 31, 2002, 
  approximately $20.7 million was available for the payment of intercompany dividends by the subsidiary banks 
  without the prior approval of regulatory agencies. Our subsidiary banks paid aggregate dividends of $26.6 million 
  in 2002 and $25.5 million in 2001. Also at December 31, 2002, we had $25.0 million available under a line of credit 
  with an unaffiliated financial institution. 
  
  *Dividends*. Our long-term dividend policy is to pay cash dividends to our shareholders of between 40% and 
  50% of net earnings while maintaining adequate capital to support growth. The cash dividend payout ratios have 