text: 5. TIME DEPOSITS 
  
  Time deposits of $100,000 or more totaled approximately $195,754,000 and $196,905,000 at December 31, 2002 
  and 2001, respectively. Interest expense on these deposits was approximately $11,559,000, $10,163,000, and 
  $10,022,000 during 2002, 2001, and 2000, respectively. 
  
  At December 31, 2002, the scheduled maturities of time deposits were, as follows: 
  
  Year ending December 31, 
  
  2003 
  2004 
  2005 
  2006 
  2007  $466,285,411 
  42,007,875 
  12,232,334 
  2,222,764 
   10,878,020 
  
  $533,626,404 