text: 9. COMMITMENTS AND CONTINGENCIES: 
  
  The Company is engaged in legal actions arising from the normal course of business. In management’s opinion, the 
  Company has adequate legal defenses with respect to these actions, and the resolution of these matters will have no 
  material adverse effects upon the results of operations or financial condition of the Company. 
  
  The Company leases a portion of its bank premises and equipment under operating leases. At December 31, 2002, 
  future minimum lease commitments are not significant. 