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              [html]<thead><tr><td></td><td>2002</td><td>2001</td><td>< underline > 2000 </ underline ></td></tr></thead><tbody><tr><td>discount rate</td><td>6.9 %</td><td>6.9 %</td><td>7.5 %</td></tr><tr><td>future compensation levels</td><td>4 %</td><td>4 %</td><td>4 %</td></tr><tr></tr></tbody>
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  As of December 31, 2002 and 2001, the fair value of the plan’s assets included Company common stock valued at 
  approximately $468,000 and $297,000, respectively. 
  
  The Company also provides a profit sharing plan, which covers substantially all full-time employees. The profit 
  sharing plan is a defined contribution plan and allows employees to contribute up to 5% of their base annual salary. 
  Employees are fully vested to the extent of their contributions and become fully vested in the Company’s 
  contributions over a seven-year vesting period. Costs related to the Company’s defined contribution plan totaled 
  approximately $2,681,000, $1,858,000 and $1,874,000 in 2002, 2001 and 2000, respectively, and are included in 
  salaries and employee benefits in the accompanying consolidated statements of earnings. As of December 31, 2002 
  and 2001, the fair value of the plan’s assets included Company common stock valued at approximately $14,323,000 
  and $10,881,000, respectively. 