text: “We promise that our dedication 
  to you will not waver as we 
  continue to focus on the 
  importance of value and values.” 
  
  **Dear Shareholders:**The theme of this year’s annual report  Consolidated assets at year-end 2002 totaled $1.993 bil- 
  
  is Value and Values. We ﬁrmly believe that values do drive  lion, up 3.3% from $1.930 billion in 2001. Loans increased 