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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>$ 67.750</td><td>$ 65.554</td></tr><tr><td>Loans</td><td>45.132</td><td>42.366</td></tr><tr><td>< underline > Deposits </ underline ></td><td>61.532</td><td>59.672</td></tr><tr><td>Equity</td><td>6.295</td><td>5.845</td></tr><tr><td>Net Income</td><td>412</td><td>652</td></tr><tr><td>Return on Average Assets</td><td>0.62 %</td><td>1.07 %</td></tr><tr><td>Return on Average Equity</td><td>6.74</td><td>10.97</td></tr></tbody>
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