text: Noninterest-bearing deposits ................... 
  Interest-bearing deposits 
  $  385,012 
  
  Interest-bearing checking.................... 
  Savings and money market accounts.. 
  Time deposits under $100,000............ 
  Time deposits of $100,000 or more.... 
  Total interest-bearing deposits............ 
  Total average deposits.............................. 
  315,688 
  389,337 
  371,970 
   182,163 
   1,259,158 
  $ 1,644,170 
  
  **December 31, 2002**
  
  Three months or less............................................................ 
  Over three through six months ............................................ 
  Over six through twelve months ......................................... 
  Over twelve months............................................................. 
  Total time deposits of $100,000 or more ........................ 
  
  $ 
  
  75,477 
  39,710 
  57,785 
   22,782 
  $ 195,754 
  
  **Capital Resources**
  
  Total shareholders’ equity was $238.8 million, or 11.98% of total assets, at December 31, 2002, as compared to 
  $213.6 million, or 11.07% of total assets, at December 31, 2001. During 2002, total shareholders’ equity averaged 
  $224.4 million, or 11.76% of average assets, as compared to $204.5 million, or 11.29% of average assets, during 
  2001. 