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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>$ 80.976</td><td>$ 84.246</td></tr><tr><td>Loans</td><td>38.383</td><td>46.261</td></tr><tr><td>Deposits</td><td>71.926</td><td>70.546</td></tr><tr><td>Equity</td><td>8.529</td><td>8.120</td></tr><tr><td>Net Income</td><td>1.205</td><td>1.277</td></tr><tr><td>Return on Average Assets</td><td>1.48 %</td><td>1.57 %</td></tr><tr><td>Return on Average Equity</td><td>14.41</td><td>15.64</td></tr></tbody>
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