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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>$ 211.235</td><td>$ 201.768</td></tr><tr><td>Loans</td><td>96.660</td><td>91.096</td></tr><tr><td>< underline > Deposits </ underline ></td><td>189.630</td><td>182.696</td></tr><tr><td>Equity</td><td>20.526</td><td>18.595</td></tr><tr><td>Net Income</td><td>3.862</td><td>3.721</td></tr><tr><td>< underline > Return on Average Assets </ underline ></td><td>1.97 %</td><td>1.99 %</td></tr><tr><td>Return on Average Equity</td><td>19.43</td><td>20.83</td></tr></tbody>
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