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              [html]<thead><tr><td>JIN THOUSANDS</td><td>December 31.2002</td><td>December 31.2001</td></tr></thead><tbody><tr><td>Assets</td><td>$ 138.260</td><td>$ 130.186</td></tr><tr><td>< underline > Loans </ underline ></td><td>75.454</td><td>71.367</td></tr><tr><td>< underline > Deposits </ underline ></td><td>125.226</td><td>118.903</td></tr><tr><td>Equity</td><td>12.755</td><td>10.954</td></tr><tr><td>< underline > Net Income </ underline ></td><td>2.313</td><td>2.151</td></tr><tr><td>< underline > Trust Assets </ underline ></td><td>36.578</td><td>40.859</td></tr><tr><td>Return on Average Assets</td><td>1.75 %</td><td>1.79 %</td></tr><tr><td>< underline > Return on Average Equity </ underline ></td><td>19.06</td><td>19.88</td></tr></tbody>
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