text: *Noninterest Income*. Noninterest income for 2002 was $29.6 million, an increase of $2.0 million, or 7.2%, as 
  compared to 2001. The increase resulted primarily from (i) an increase in service fees on deposit accounts of $692 
  thousand which reflects growth in number of accounts and transactions processed; (ii) an increase in real estate 
  mortgage fees of $248 thousand which reflects a continued high volume of mortgage originations and refinancing 
  transactions generated by low mortgage rates; (iii) an increase of $429 thousand in ATM transaction fees which 
  reflects the Company’s focus to increase the cardholder base and the usage of check cards; and (iv) $735 thousand in 
  check printing fees that, in periods prior to 2002, were recorded as a reduction in printing and supplies expense. The 
  change in classification for check printing fees was made in response to a change in bank regulatory financial 
  reporting guidelines. 
  
   Noninterest income for 2001 was $27.6 million, an increase of $1.6 million, or 6.3%, as compared to 2000. 
  This increase was primarily a result of; (i) an increase in trust fees of $397 thousand; (ii) an increase in service fees 
  on deposit accounts of $669 thousand; and (iii) an increase of $588 thousand in real estate mortgage fees. Table 3 
  provides comparisons for other categories of noninterest income. 