text:  December 31, 
   2002   2001 
  
  Commercial, financial, and agricultural 
  Real estate - construction 
  Real estate - mortgage 
  Consumer  $311,743,212 
  50,911,156 
  375,255,678 
   226,140,626  $312,053,042 
  47,173,297 
  350,381,887 
   230,616,297 
  
  964,050,672 
   (10,899)  940,224,523 
   (93,548) 
  
  $964,039,773  $940,130,975 
  
  The Company’s recorded investment in impaired loans and the related valuation allowance are as follows: 
  
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              [html]<thead><tr><tdcolspan="2">December</td><tdcolspan="2">S1, < underline > A </ underline > W < underline >, </ underline ></td></tr><tr><td>Levels</td><td>STx_2001_</td><td>Recorded vestment</td><td>Valuation Allowance</td></tr></thead><tbody><tr><td>Recorded Investment</td><td>Valuati Allowar</td><td>1.734.261</td><td>$ __752_385</td></tr></tbody>
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