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              [html]<thead><tr><td></td><td>Notional Amount at</td></tr></thead><tbody><tr><td>December 31.2002</td><td></td></tr><tr><td>Financial instruments whose contract amounts represent credit risk :</td><td>Unfunded lines of credit</td></tr><tr><td>$ 123.803.128</td><td>Commitments to extend credit</td></tr><tr><td>62.092.132</td><td>Standby letters of credit</td></tr></tbody>
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  Unfunded lines of credit and commitments to extend credit are agreements to lend to a customer as long as there is 
  no violation of any condition established in the contract. These commitments generally have fixed expiration dates 
  or other termination clauses and may require payment of a fee. Since many of the commitments are expected to 
  expire without being drawn upon, the total commitment amounts do not necessarily represent future cash 
  requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of 
  collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit 
  evaluation of the counterparty. Collateral held varies but may include accounts receivable, inventory, property, 
  plant, and equipment, and income-producing commercial properties. 