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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>$ 205.591</td><td>$ 209.159</td></tr><tr><td>< underline > Loans </ underline ></td><td>106.755</td><td>108.607</td></tr><tr><td>< underline > Deposits </ underline ></td><td>182.715</td><td>189.597</td></tr><tr><td>Equity</td><td>20.364</td><td>18.040</td></tr><tr><td>< underline > Net Income </ underline ></td><td>3.451</td><td>3.120</td></tr><tr><td>< underline > Return on Average Assets </ underline ></td><td>1.72 %</td><td>1.62 %</td></tr><tr><td>Return on Average Equity</td><td>17.66</td><td>17.08</td></tr></tbody>
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