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              [html]<thead><tr><td>IN THOUSANDS</td><td>December 31.2002</td><td>December 31.2001</td></tr></thead><tbody><tr><td>Assets</td><td>$ 93.969</td><td>$ 91.252</td></tr><tr><td>< underline > Loans </ underline ></td><td>51.224</td><td>48.838</td></tr><tr><td>< underline > Deposits </ underline ></td><td>84.043</td><td>82.339</td></tr><tr><td>Equity</td><td>9.538</td><td>8.433</td></tr><tr><td>< underline > Net Income </ underline ></td><td>1.659</td><td>574</td></tr><tr><td>< underline > Return on Average Assets </ underline ></td><td>1.79 %</td><td>1.25 %</td></tr><tr><td>Return on Average Equity</td><td>18.02</td><td>13.22</td></tr></tbody>
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