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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>$ 112.079</td><td>$ 104.968</td></tr><tr><td>< underline > Loans </ underline ></td><td>49.487</td><td>46.666</td></tr><tr><td>< underline > Deposits </ underline ></td><td>100.306</td><td>90.100</td></tr><tr><td>Equity</td><td>11.114</td><td>10.204</td></tr><tr><td>< underline > Net Income </ underline ></td><td>2.078</td><td>1.605</td></tr><tr><td>Trust Assets</td><td>64.854</td><td>66.118</td></tr><tr><td>Return on Average Assets</td><td>1.99 %</td><td>1.53 %</td></tr><tr><td>< underline > Return on Average Equity </ underline ></td><td>19.15</td><td>15.82</td></tr></tbody>
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